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SoFi bonus: $50 or $400 (tiered by direct deposit total)

SoFi Checking and Savings. Here's what it takes, when it ends, and what it's really worth per day.

Checked Oct 26, 2026

Net per day
$11.43
Max days to payout
35
Cash parked
$0
Net value
$400

The details

Bonus$50 or $400 (tiered by direct deposit total)
Requirements$5,000+ in eligible direct deposits within 25 calendar days of your first eligible direct deposit ($1,000-$4,999.99 pays $50).
Other conditionsNew and existing SoFi members who have never set up direct deposit with SoFi.
ExpiresDec 31, 2026. SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.
Max days to payout35
Cash parked$0
Opportunity cost$0
Net value$400
Bonus as APY—
Fine printOnly payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.
VerificationVerified at issuer (issuer). Last checked Oct 26, 2026.
Sourcehttps://www.sofi.com/banking/checking-offer/

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SoFi

SoFi Checking and Savings · Fintech
Verified at issuer
$400
$50 or $400 (tiered by direct deposit total)
$11.43net / day
Ends in 66 daysPaid in ≤35 daysSome effort
  • $5,000+ in eligible direct deposits within 25 calendar days of your first eligible direct deposit ($1,000-$4,999.99 pays $50).
  • New and existing SoFi members who have never set up direct deposit with SoFi.
Get this bonus
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Fine print & the math

Only payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.

Expires: Dec 31, 2026. SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400

Source page · last verified Oct 26, 2026