Matthew wants you to get $325 and pay no account fees.
For a limited time, get $25 when you sign up for a SoFi Checking & Savings account and deposit at least $10. Get an additional $3006 and earn up to 2.50% APY1 (62x the national average!!)2 plus free overdraft coverage3 and get paid up to 2 days early with qualifying direct deposits.4 Plus, sign up by 11/29 for a chance to win $50K and tickets to a VIP suite at SoFi Stadium.7Claim your bonus
*You may not use P2P transactions (eg. SoFi’s “Send money to a friend” or by linking your SoFi® debit card to Venmo) to fund your new account.
Helping members reach
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We work hard to charge no account fees. With that in mind, our fees charged are subject to change at any time. See our terms and conditions.
Earn more with SoFi
With no account fees and 2.50% APY1, you’ll earn more interest in one week with SoFi
than you would in an entire year in a big bank’s checking or savings account.
The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.
*Please note that any friend whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Money, (3) Checking and Savings accounts, (4) Invest products, (5) Credit Card, and (6) referring to the app generally. Only one referral reward and one welcome bonus per new customer. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions. SoFi mortgages are never eligible for the SoFi Referral Program. Additional terms and conditions apply.
Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.
SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.
Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.
Any person referred to a SoFi loan, SoFi Checking or Savings account, or SoFi Credit Card may not have an existing registered SoFi account. A person referred to a SoFi Invest account or SoFi Digital Assets account (for crypto) may have an existing SoFi registered account.
If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.
To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.