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† New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. Fees may reduce earnings. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
^ $1,000 value: See assumptions and details at SoFi.com/SoFi-Plus, Value is not guaranteed and varies depending on benefits used. Terms apply.
†† Your account is invested in assets that may lose value. However, SoFi Securities LLC, and the custodian of securities, Apex Clearing, are members of the Securities Investor Protection Corporation (SIPC). SIPC protects the securities in your brokerage account up to $500,000, including $250,000 for claims for cash. For more details, visit www.sipc.org.
^^ Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules. For more information visit FDIC.gov
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*Terms and conditions apply. Only applicable for mortgage refinance applications received from 1/12/26 to 2/3/26. To be eligible you must not have submitted a mortgage refinance application within the preceding 90 days. Offer is subject to lender approval. Not eligible for Jumbo loan products. Cannot be combined with any other origination fee discount offers. SoFi reserves the right to change or terminate this offer at any time with or without notice.
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