SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply.

¹$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used and there is no guarantee you will reach any specific value. $1,000 value assumes a SoFi Plus member uses the following benefits in the year: $6,000 deposited in a high yield savings account, $27,000 spent on the SoFi Unlimited 2% Credit Card, and one additional annual session (beyond the basic benefit) with a financial planner. Other benefits may be available. Rewards points redeem at a rate of 1 cent per every point. SoFi Plus member must be approved for a SoFi Credit Card in order to receive the corresponding benefit. Savings and spend assumptions are based on median activity from existing SoFi Plus members for the period of 10/16/23 – 10/16/24.

²America’s most rewarding financial membership: Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. A nationally representative sample of 900 consumers were asked to rank offerings based on the question “Which financial membership brand is most rewarding?” Results as of January 2025. See SoFi.com/plus-survey for details.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

When you open a SoFi Savings Account, SoFi Bank will also automatically open a SoFi Checking Account in your name. See the SoFi Bank Deposit Account Agreement for details.

³SoFi Bank Savings APY: SoFi members with direct deposit activity can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.

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 3.80% APY, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your APY is not showing as 3.80%, 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 3.80% APY from the date you contact SoFi for the rest of the current 30-day Evaluation Period. You will also be eligible for 3.80% APY on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi members with Eligible Direct Deposit are eligible for other SoFi Plus benefits.

As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 3.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 3.80% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Separately, SoFi members who enroll in SoFi Plus by paying the SoFi Plus Subscription Fee every 30 days can also earn 3.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. For additional details, see the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, or who do not enroll in SoFi Plus by paying the SoFi Plus Subscription Fee every 30 days, 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 1/24/25. There is no minimum balance requirement. Additional information can be found at SoFi.com/legal/banking-rate-sheet.

⁴Unlimited financial planning sessions: SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

⁵1% match on recurring SoFi Invest® deposits: You must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Invest® account in order to receive this 1% match benefit. “Recurring deposits” refer to ACH transfers scheduled with a frequency of weekly, every two weeks, or monthly into either your Active SoFi Invest® account or your SoFi Wealth Automated Investing account. Regular deposits set up from your SoFi Checking & Savings account using Autopilot are eligible for the bonus. One-time transfers are excluded from the bonus. If funds are withdrawn and later redeposited manually into your SoFi Invest® account, the manual deposit will not be eligible for the bonus. Offer can be combined with SoFi Invest 1% IRA match.

SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below:

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Clearing and custody of all securities are provided by APEX Clearing Corporation.

Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the SoFi Invest platforms described above please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform.

Please note that the Active Invest platform is self-directed, therefore all monies transferred to your SoFi Active Invest will not be automatically invested.

Bonuses will be paid out as rewards points within two weeks of the end of the calendar month. See Rewards Terms of Service. Members must enroll in Rewards in order to redeem their points, but not to be eligible for the bonus. Learn more about our Rewards program here. Bonus will not be paid out on SoFi Invest® or SoFi Wealth accounts that are closed or pending closure.

Bonus amounts are calculated on the total net recurring inflows (incoming recurring ACH transfers less outgoing transfers) per calendar month. For example, if you have a recurring Invest deposit of $1,000 on 11/4/2024 and withdraw $500 on 11/15/2024 and make no other deposits or withdrawals to your SoFi Invest® account for the month, you will earn 500 rewards points, equal to 1% of $500 net monthly inflows. If you lose SoFi Plus eligibility at any point throughout the month, you will earn the 1% match only on recurring deposits received while you were a Plus member. All withdrawals in the calendar month (regardless of Plus status) will count against your bonus. For example, if you have a recurring Invest deposit of $1,000 on 11/4/2024 as a SoFi Plus member, lose Plus status on 11/10/2024, and have another recurring Invest deposit of $1,000 on 11/12/2024, you would earn $10 in rewards points (1% of the $1,000 that was deposited while you were a Plus member).

Eligibility Period: Funds must remain in your SoFi Invest® account for two years to be eligible for the bonus. If the deposit is removed prior to the end of the two-year Eligibility Period, SoFi, at its discretion may remove the corresponding proportion of the 1% Match from the customer’s account. For instance, if $1,000 was deposited receiving a $10 rewards points match and $500 was withdrawn in a subsequent month, SoFi may remove $5 in rewards points from the bonus. SoFi reserves the right to liquidate securities to pay for the removal of the Match bonus. Further, SoFi may bill this to a receiving firm in the event of an account transfer.

⁶Preferred IPO Access: A SoFi Plus membership is one of many factors used by Sofi Securities, LLC to determine an investor’s allocation. Members enrolled in the Plus program may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled. New offers (IPOs) generally have high demand and there are a limited number of shares available. Having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest (IOI) or any shares at all. For SoFi’s allocation procedures please refer to IPO Allocation Procedures.

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.

SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

⁷10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: “Members who meet the eligibility criteria shall earn a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

To be eligible for this Promotion, you must be successfully enrolled in SoFi Plus during the Promotion Period. In order to enroll in SoFi Plus and to continue to receive the 10% boost, you must either (i) receive Eligible Direct Deposit during each 30-Day Evaluation Period (as defined below) or (ii) pay the SoFi Plus Subscription Fee every 30 days, as detailed in the SoFi Plus Terms and Conditions. Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-Day Evaluation Period. 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 receiving the 10% boost on cash back rewards points for SoFi Credit Card purchases, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, 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 receiving the 10% boost on cash back rewards points for SoFi Credit Card purchases from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the 10% boost on cash back rewards points for SoFi Credit Card purchases on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Eligible Direct Deposit activity.

The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving Eligible Direct Deposit to your account, you will begin earning the 10% boost on cash back rewards. You will continue to earn the 10% boost for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-Day Evaluation Periods during which SoFi Bank determines you to have Eligible Direct Deposit activity without interruption. SoFi Bank reserves the right to grant a grace period to account holders following a change in Eligible Direct Deposit activity before terminating your 10% boost benefit. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not receive Eligible Direct Deposit during the current 30-Day Evaluation Period and, if applicable, the grace period, then you will no longer earn the 10% boost until SoFi Bank recognizes Eligible Direct Deposit activity in a subsequent 30-Day Evaluation Period. In certain cases, it may take up to 90 days for your Eligible Direct Deposit to be recognized, after which you will begin earning the 10% boost on cash back rewards. If you do not see your 10% boost on cash back rewards benefit after 90 days, please contact our help center.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

Eligible Participants: All new and existing SoFi Credit Card members who successfully enroll in SoFi Plus during the Promotion Period are eligible for this Promotion. In order to enroll in SoFi Plus and to continue to receive the 10% boost, you must either (i) receive Eligible Direct Deposit during each 30-Day Evaluation Period or (ii) pay the SoFi Plus Subscription Fee every 30 days, as detailed in the SoFi Plus Terms and Conditions. A member shall not earn the 10% boost under this Promotion if they are currently earning 3% cash back rewards points under the 3% Cash Back Rewards Promotion. If you currently benefit from the 3% Cash Back Rewards Promotion, then you will continue to earn 3% cash back rewards points until you are either no longer eligible or until the expiration of such benefit, as provided in the 3% Cash Back Rewards Promotion terms. Upon the expiration of your 3% cash back rewards points benefit, you will be eligible to earn the 10% boost under this Promotion, provided that you meet the eligibility criteria stated herein. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder receives Eligible Direct Deposit into their SoFi Checking or Savings account (or, in the case of a joint Checking and Savings account, a joint account holder receives Eligible Direct Deposit). SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

SoFi Travel: Terms, and conditions apply. This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Travel Services Terms & Conditions.

The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings

Eligibility:

You must be a SoFi registered user.

You must agree to SoFi’s privacy consent agreement.

You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.

You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: SoFi.com/rewards/.
Terms applicable to SoFi Member Rewards: SoFi.com/terms-of-use/#rewards.

Additional Terms:
Changes to your bookings will affect the rewards points balance for the purchase.
Any canceled bookings or fraud will cause rewards points to be rescinded.
Rewards points can be delayed by up to 7 business days after a transaction posts on members’ SoFi Credit Card ledger.
SoFi reserves the right to withhold rewards points for suspected fraud, misuse, or suspicious activities.

©2025 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

⁸Elevated Earn on SoFi Travel: SoFi Plus members earn 3% cash back in rewards points on hotel bookings through SoFi Travel. All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our help center or contact us at 855-456-7634. Bookings made on non-hotel lines of business (air, car, activities) are not eligible for elevated earn. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. SoFi reserves the right to exclude any Member 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.

⁹2x rewards points on qualifying activity: SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities during periods in which the SoFi Plus member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center.

Mortgage Loans: Terms and conditions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 1/15/25.

SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender.

¹⁰$1,000 home mortgage discount: SoFi offers a one-time standard member discount on loans originated by SoFi Bank of $500 off the standard $1,495 origination fee for a home purchase or refinance mortgage and $200 off the $1,295 origination fee for home equity loan or line of credit. To be eligible for the discount, a person must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. Based on regulatory requirements, the name of the origination fee may vary in certain states.

In addition to the standard SoFi member discount, SoFi Plus members are also eligible for an additional one-time discount on loans originated by SoFi Bank of $500 off the standard origination fee for a home purchase or refinance mortgage. To be eligible for the SoFi Plus member discount, the member must receive Eligible Direct Deposit (defined below and when recognized by SoFi) into their SoFi Checking and Savings account or pay the SoFi Plus Subscription Fee, at or before the time their home loan application is approved (indicated as “final approval”). Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-Day Evaluation Period (as defined below). 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 receiving the discount on SoFi home loan closing, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, 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 receiving the discount on SoFi home loan closing from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the discount on SoFi home loan closing on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder’s Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name.

SoFi reserves the right to change or terminate this discount at any time with or without notice.

Discounts are not available on products or in states where no origination fee is assessed including Texas and VA loans.

The Discounts described above are only available for new loans of a different type from loans previously or currently held by the member. For example, a person with an existing or prior SoFi mortgage or home equity loan or line of credit is not eligible to receive the Discount on another first-lien or second-lien loan. Consult your tax advisor to determine applicable tax consequences.

Personal Loans: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 1/15/25. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

¹¹SoFi Plus Rate Discount on New Personal Loans SoFi Plus members are eligible to receive an additional (0.25%) interest rate reduction on Personal Loans by setting up Eligible Direct Deposit (defined below and when recognized by SoFi) into an eligible SoFi Checking and Savings account offered by SoFi Bank, N.A. (a “Direct Deposit Account”), or paying the SoFi Plus Subscription Fee. To be eligible to receive the interest rate reduction for setting up Eligible Direct Deposit, you must have an open and eligible SoFi Checking and Savings account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Eligible Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion.

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-Day Evaluation Period (as defined below). 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 receiving the Personal Loan discount, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, 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 receiving the Personal Loan discount from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the Personal Loan discount on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder’s Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name.

To be eligible to receive the interest rate reduction by paying the SoFi Plus Subscription Fee, you must pay the SoFi Plus Subscription Fee within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Eligible Direct Deposit to your SoFi Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Eligible Direct Deposit to receive a loan.

Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Additional terms and conditions may apply. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to repay; see SoFi.com/eligibility-criteria. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance with an extended term.

SoFi refinance loans are private student loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Public Service Loan Forgiveness, Income-Based Repayment, Income-Contingent Repayment, PAYE or SAVE. Information current as of 1/15/25 and subject to change. SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

¹²SoFi Plus Rate Discount on Student Loan Refinancing: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your “Loan”) for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by setting up Direct Deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval.

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-Day Evaluation Period (as defined below). 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 receiving the Student Loan Refinance discount, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, 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 receiving the Student Loan Refinance discount from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the Student Loan Refinance discount on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder’s Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name.

If you are deemed to be eligible, as determined in SoFi’s sole discretion, you will continue to receive this SLR interest rate discount during periods in which you have either received Eligible Direct Deposits every 30 days to your Direct Deposit Account or paid the SoFi Plus Subscription Fee. This discount will be removed during periods in which SoFi determines you have not received Eligible Direct Deposits every 30 days to your Direct Deposit Account or not paid the SoFi Plus Subscription Fee. You are not required to enroll in Eligible Direct Deposit or to pay the SoFi Plus Subscription Fee to obtain a Loan. This discount lowers your interest rate but does not change the amount of your regular monthly payment. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice.

¹³Hello Privacy 50% Discount: SSoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy’s Data Broker Monitoring and Removal service. The discount can be applied at checkout on the HelloPrivacy site using the discount code and link provided in the SoFi Membership & Rewards Center. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Fees and taxes apply. Discount available to SoFi Plus members beginning 1/27/25. SoFi reserves the right to terminate or make changes to this discount at any time.

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription. Your payment method will automatically be charged at the start of each subscription period for the fees and taxes applicable to that period. You must cancel your subscription before the renewal date to avoid future charges. Please see HelloPrivacy Terms of Service for complete terms and how to cancel, including calling HelloPrivacy at (646) 863-8226. You will be subject to HelloPrivacy’s Privacy Policy and Terms & Conditions.

All fees, content, and features are subject to change. This offer cannot be combined with any other offer. Offer available to SoFi Plus members only.

All terms and conditions applicable to the use of SoFi Plus apply.

¹⁴$200 Off Trusts at Trust & Will: This SoFi Plus benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: Trust & Will Terms of Service.

Trust & Will is offering a $200 discount on the initial purchase of a Trust specifically for SoFi Plus members. You must use the link provided in the Membership & Rewards Center in the SoFi app. No promo code required; the discount is automatically applied at checkout to the initial purchase of a Trust-based estate plan. Cannot be combined with other offers or discounts. Subsequent upgrades aren’t eligible for discount. This offer begins on February 11, 2025. This offer may be terminated or changed at any time without notice.

¹⁵SoFi Plus Experiences: Unless otherwise specified, you must be a SoFi Plus member or guest of a SoFi Plus member to attend a SoFi Member In-Person Experience (a “Member Experience”). By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct.

¹⁶9x the national average savings rate: 9x based on FDIC monthly savings account rate as of December 16, 2024.

¹⁷$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

PARTICIPATING IN THE SOFRIDAYS PROMOTION (“PROMOTION”) CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES. BY PARTICIPATING IN THE PROMOTION, YOU REPRESENT AND WARRANT YOU MEET THE ELIGIBILITY REQUIREMENTS STATED HEREIN AND ACKNOWLEDGE THAT FAILURE TO MEET ALL ELIGIBILITY REQUIREMENTS WILL RESULT IN DISQUALIFICATION. SOFI RESERVES THE RIGHT TO MODIFY OR TERMINATE THIS PROMOTION AT ANY TIME.

PROMOTION PERIOD: This Promotion is valid for a limited time between May 9, 2025 at 12:00 AM PT and May 16, 2025 at 11:59 PM PT (the “Promotion Period”). This offer is only valid on select Fridays between 12:00 AM PT and 11:59 PM PT during the Promotion Period on which SoFi distributes Promotion marketing materials indicating a prize giveaway (“Eligible Fridays”). SoFi reserves the right to exclude certain Fridays from this Promotion at any time.

ELIGIBILITY: This Promotion is limited to the first 1,000 new SoFi Plus members who successfully sign up for SoFi Plus between 12:00 AM PT and 11:59 PT on Eligible Fridays during the Promotion Period through the Promotion link by following the steps outlined below. Users who have previously enrolled in this Promotion or previously signed up for SoFi Plus are not eligible. This Promotion may not be combined with other SoFi Plus welcome offers. All terms and conditions applicable to the use of SoFi Plus apply.

HOW TO ENTER: During the Promotion Period from 12:00 AM PT to 11:59 PM PT on Eligible Fridays, please follow the steps below:

Follow the Promotion link and instructions provided in the promotional material you received or viewed to complete and submit the registration form to sign up for SoFi Plus. You can join SoFi Plus in one (1) of two (2) ways:

Open a Checking or Savings account with SoFi bank and receive an Eligible Direct Deposit. You will be eligible for the giveaway when SoFi Bank detects your Eligible Direct Deposit (as defined in the SoFi Plus Terms and Conditions) into your SoFi Checking or Savings account. Due to the inherent delay in the direct deposit schedule, if you open a Checking or Savings account with SoFi Bank prior to the end of the Promotion Period, you will have a grace period within 35 days of the Eligible Friday until 11:59 PM PT, for SoFi Bank to detect your Eligible Direct Deposit. This grace period is only for those who have signed up for direct deposit to their new checking or savings account.

Subscribe to SoFi Plus by paying the SoFi Plus Subscription Fee of $10 every 30 days. Subscribers are billed every 30 calendar days based on the initial date of subscription.

Once you have successfully signed up for SoFi Plus, and meet the eligibility criteria outlined above, no further action is required.

CONDITIONS ON CLAIMING A PRIZE: All prizes will be paid out in the form of SoFi rewards points, regardless of the promotional representation. In the event of a joint account, only the primary account holder is eligible for the rewards points payout. To learn more about SoFi Member Rewards, please see the Rewards page.

PRIZE PAYMENT TIMELINE: SoFi will credit 1,000 SoFi rewards points to the first 1,000 members who meet the eligibility criteria on an Eligible Friday within 60 days of the qualifying Eligible Friday in the Promotion Period.

OTHER IMPORTANT DETAILS: SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

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