Through January 31, 2026, you could earn up to a $300 SoFi checking bonus when you complete the following requirements.
- Open a new SoFi Checking and Savings account by clicking the button below.
- Set up and receive at least one direct deposit before the promotion period ends. When your eligible direct deposits total between $1,000 and $4,999.99, you’ll earn $50. However, when your direct deposits are $5,000 or more, you’ll earn a $300 bonus.
Once you complete the requirements, your direct deposit will be added to your account within seven business days.
Features of the SoFi Checking and Savings Account
When you sign up for the SoFi direct deposit bonus, you’ll be able to take advantage of the following features of your new SoFi account.
- High APY: Earn up to 4.00% annual percentage yield (APY) on your savings account balance.
- No Account Fees: No overdraft, minimum balance, or monthly fees.
- Extra FDIC Insurance: You’ll have access to $2 million in FDIC insurance.
- Early Paycheck: Receive your paycheck up to two days early when you set up direct deposit.
SoFi Account Fees
There are no fees with a SoFi Checking and Savings account. This includes overdraft fees, monthly maintenance fees, or minimum balance fees.
SoFi Locations
Because SoFi is an online bank, it’s available to customers located in all 50 states.
How Does This SoFi Direct Deposit Bonus Stack Up?
Want to compare this SoFi bonus to what else is available? Here are some other promotions to consider. Make sure you also check out the other SoFi promotions.
U.S Bank Smartly® Checking
Earn up to a $450 cash bonus when you complete qualifying activities.
Truist One Checking Account
Earn a $400 bonus when you open a Truist One Checking account and set up qualifying direct deposits.
BMO Smart Advantage Checking
Earn a $350 bonus when you sign up for a BMO Smart Advantage checking account and complete qualifying activities.
