SoFi checking $400 Bonus
Personal account · Expires Dec 31, 2026 · Last verified Jul 26, 2026
Requirements
- $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
Timeline
- Direct deposit ×1 totaling $5,000.
- Complete all requirements within 25 days.
Bonus tiers
- $50 — Direct deposit: park $0, DD $1,000
- $400 — Direct deposit: park $0, DD $5,000
Closing the account (what we verified)
- Bonus typically posts within 7 days of completing requirements.
- Monthly fee: $0.
More SoFi bonuses
Offer terms change; always confirm against the bank's current disclosure (source). Also see our guides.