Bank Bonus Tracker

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

  1. Direct deposit ×1 totaling $5,000.
  2. 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.
Open account at SoFi ↗Also earning referrals?

More SoFi bonuses

Offer terms change; always confirm against the bank's current disclosure (source). Also see our guides.