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SoFi Plus members can earn up to 4.30% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.60% (rate current as of 11/12/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period:

August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

•  Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026;

AND

•  Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:

  Setting up and maintaining Eligible Direct Deposit, or

  Paying and maintaining the SoFi Plus Subscription Fee

AND

•  Maintain your SoFi Plus subscription for a period of six months.

Option 2

•  Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND

•  Open a new SoFi Checking and Savings account by 1/31/2026; AND

•  Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

•  Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

•  Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

•  SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

•  Standard rates are variable and subject to change at any time. There is no minimum balance requirement.

Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

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Bank Referral Program:
The following terms and conditions govern your participation in the SoFi Bank Referral Program (“Bank Referral Program”) during the Promotion Period (as defined below).

Promotion Period:
July 30, 2025 at 12:00 a.m. E.T. -December 31, 2025 at 11:59 p.m. E.T.

Terms and Conditions:
To receive the referral bonus, a referrer must complete the following required activities: (i) share their unique referral link during the Promotion Period; (ii) have an existing SoFi Checking and Savings account at the time the referred member opens their SoFi Checking and Savings account; and (iii) be a SoFi Plus member at the time the referred member opens and funds their SoFi Checking and Savings account with the referrer’s unique referral link. To enroll in SoFi Plus, see the SoFi Plus Terms and Conditions for additional details.

To receive the referral bonus, a referred member must complete the following required activities: (i) apply and successfully open a SoFi Checking and Savings account and (ii) make deposits totaling $50 or more that settle within 21 calendar days of clicking the referral link. Deposits must be made via an ACH transfer from a linked bank account, direct deposit, via “Instant Transfer” from a debit card (if available), from cash deposits, mobile check deposits (if available), or wires. Peer-to-peer (P2P) transfers are excluded (P2P transfers are defined as ACH-based P2P or debit-card based P2P transfers from Venmo, PayPal, Apple Cash, Square Cash, Zelle, etc).

Once the referrer and the referred member have completed all required activities, SoFi will: (i) credit the referrer a one-time cash bonus of $100 into their SoFi Checking account ; and (ii) credit the referred member a one-time cash bonus of $25 into their SoFi Checking account. Please note that, if the referrer is not a SoFi Plus member at the time the referred member opens and funds their SoFi Checking and Savings account, the referrer will only receive a bonus of $75.

Bonus payments will be credited to the referrer and the referred member’s respective SoFi Checking accounts within seven (7) business days following confirmation by SoFi that all required activities have been completed by the referrer and referred member.

This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

Referrers will not earn a referral bonus if the referred member has previously opened a SoFi Checking and Savings account or does not use the unique referral link provided by the referrer to open a SoFi Checking and Savings account during the Promotion Period.

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Bank Referral Program. In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year.

Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

This offer cannot be combined with the SoFi Checking and Savings “account $20 open offer.” In the case of joint accounts, only the first account holder that opens the new Checking and Savings account is eligible for this offer. SoFi reserves the right to disqualify any participant from the referral program at its sole discretion, including but not limited to cases of actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of these terms. SoFi further reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend, or terminate this offer or the referral program at any time without notice.

Interest Rates:
SoFi members can earn the following annual percentage yields (APY):

With Eligible Direct Deposit:
Savings (including Vaults): 3.60% APY.
Checking: 0.50% APY.
No minimum Direct Deposit amount is required to earn the 3.60% APY on savings.

Without Eligible Direct Deposit:
Savings (including Vaults): 1.00% APY.
Checking: 0.50% APY.

Other Rates Details:
Rates are variable and are subject to change at any time.
Rates are current as of 11/12/25.
No minimum balance is required.
Fees may reduce earnings.
Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.