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1 The $150 Bonus is comprised of the three offers detailed below:

The following describes the terms that apply to participation in the SoFi Money $100 welcome offer (“Welcome Offer”) offered by SoFi Securities LLC (“SoFi”). Welcome Offer consists of two separate offers – a $25 Funding Offer and a $75 Direct Deposit Promotional Program with separate terms described below – and cannot be combined with any other offers not explicitly described below.

The following describes the terms that apply to participation in the SoFi Money account $25 funding offer (“Funding Offer”) offered by SoFi Securities LLC (“SoFi”). Only new SoFi Money members are eligible for this offer. Existing Money members (and those who previously closed their Money accounts) are not eligible. To receive the Funding Offer, participants must first apply and successfully open a SoFi Money cash management account. To receive the $25 promotional balance, deposit(s) of $250 or more must be made in the new account by the new SoFi Money member. Within 3 business days of such a deposit, qualifying participants will receive a $25 deposit into their SoFi Money account. This offer is limited to one per account. This is a limited time offer that will expire on 12/31/2020 at 5pm ET. SoFi reserves the right to expire the offer at any time. The deposit of $250 or more must be made into the new account prior to 12/31/2020. Participants must comply with the SoFi Money terms of use. Any fraudulent or returned funding will result in disqualification. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer, consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time or without notice.

The following describes the terms that apply to participation in the SoFi Money direct deposit promotional program (“Program”) offered by SoFi Securities LLC (“SoFi”). Eligible Participants: All new and existing SoFi Members without a prior history of Direct Deposit transactions (“Direct Deposit”) to their SoFi Money account are eligible for the Program. Enrollment period: Enrollment in the Program will be available from 8/4/20 12:01AM ET to 12/31/20 11:59PM ET. New SoFi Money members who open their account within the enrollment period are automatically enrolled in the Program with the account open date acting as the effective enrollment date. Existing members without a prior history of Direct Deposit transactions (“Direct Deposit”) are automatically enrolled in the Program at the start of the enrollment period. Promotion Period: Enrolled members have until 01/31/21 at 11:59PM EST in order to qualify for the bonus. Bonus Terms: In order to qualify for the bonus an enrolled member must have $500 or more in total qualifying Direct Deposit transactions within the promotion period. Qualifying Direct Deposits must be made from the enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of $75 deposited into their SoFi Money account within two weeks of qualification. Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.

The following describes the terms that apply to participation in the SoFi Money Holiday Roundups Match Program (“Program”) offered by SoFi Securities LLC (“SoFi”). This Program is offered solely by SoFi, and not by any named merchant or any other third party. Qualifying SoFi Money Members are opted into the Program by opting in to Roundups feature and using their SoFi Money debit card to make a purchase. Promotion Period: The Program will be available between 11/23/2020 at 12:00 AM PST and 12/24/2020 at 11:59 PM PST. Eligible Participants: Participation in the Program is open to all SoFi Members with a SoFi Money account with $500 in monthly deposits or more, or an account that was opened prior to June 9, 2020, who reside within the United States and have opted in to the Roundups feature.Eligible Transactions: All purchases using a SoFi Money debit card and posted during the Promotion Period, are eligible for Cash Back under the terms of the Program. P2P transfer transactions (e.g. Venmo/Paypal/Square) and wire transfer transactions are excluded. Cash Back Terms: For each Eligible Transaction posted during the Promotion Period, Members will receive a credit to their SoFi Money account equal to to 100% of the Roundup for that transaction, up to a maximum aggregate cap of $50 during the Promotion Period. Purchases of whole dollar amounts (e.g. $1.00) will not be rounded up and therefore will not receive cash back. Cash Back credits may post up to 5 business days after the eligible transactions are posted. There is a maximum aggregate cap on Cash Back bonuses of $50 per Account for this Program. Purchases that are made when Roundups are not enabled for an account will not receive cash back and cannot be backdated. SoFi is not liable for payment delays caused by named merchants or any third-party vendors. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.”

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✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.