SoFi Bank Bonuses
Every SoFi bonus below is pulled from our tracked deals database — exact requirements, deadlines, and closing rules, verified against the bank's own offer terms.
Best current offer: $400 (checking)
Personal accounts
$1,000+ in cumulative qualifying direct deposit within 25 days -> $50 bonus · $5,000+ in cumulative qualifying direct deposit within 25 days -> $400 bonus · Qualifying Direct Deposit definition and exclusions · Open a new SoFi Checking and Savings account during the Promotion Period (or be an existing customer with no prior DD set up) · Cannot combine with the SoFi Checking and Savings Direct Deposit personal-loan rate discount · No monthly fees on this account -- nothing required to keep it fee-free
Available nationwide
Expires Dec 31, 2026 · Verified Jul 26, 2026
Friend must open a SoFi Checking and Savings account as their first SoFi product, via the referrer's unique link · Friend makes deposits totaling $50 or more, settling within 21 days of clicking the referral link · Optional: friend subscribes to SoFi Plus ($10/mo) within 21 days of clicking the link, for an extra $25 to both referrer and friend
Available nationwide
Expires Dec 31, 2026 · Verified Jul 25, 2026
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