SoFi Checking and Savings
Our #1 bank bonus choice of 2026
Earn up to $300 with direct deposit, terms apply*
- Earn up to 4.50% APY with direct deposit
- No minimum balances
- No monthly service fees
Enter your email to view the rewards available.
Your exclusive access is now unlocked.
Last updated August 2026
Top banking bonuses with accounts full of amazing features
Our #1 bank bonus choice of 2026
Earn up to $300 with direct deposit, terms apply*
Bonus Amount: We prioritized bonuses that offer significant monetary rewards. The higher the bonus, the better the value for you.
Ease of Qualification: We examined the requirements for qualifying for the bonuses. We favored bonuses with straightforward and attainable criteria, ensuring you can easily take advantage of these offers.
Fees and Requirements: We evaluated the associated fees and account requirements, such as minimum balance and direct deposit requirements. We aim to help you find bonuses without high costs or stringent requirements.
Account Benefits: Beyond the bonus, we considered the overall benefits of the accounts, such as interest rates, ATM access, and additional features. This ensures you get a great account alongside your bonus.
Bank Reputation: We only recommend bonuses from reputable banks with strong customer satisfaction and financial stability history. Your peace of mind is important to us.
| Bank | |||
|---|---|---|---|
| Bonus Amount | $2,500 | $300* | $3,000 |
| Min. Opening Deposit | $100,000 | $0 | $150,000 |
| Offer Expiry | 11/22/26 | 12/31/26 | 10/16/26 |
Your Financial Habits: Choose a bonus with requirements that align with your financial behavior. For instance, if you regularly receive direct deposits, find an offer that rewards this activity.
Account Usage: Consider how you plan to use the account. If you need easy access to ATMs or plan to maintain a high balance, pick an account that offers favorable terms for these needs.
Long-term Value: Look beyond the bonus and evaluate the account's long-term benefits. An account with a great bonus but high fees might not be the best choice in the long run.
Compare Multiple Offers: Don't settle for the first bonus you find. Compare multiple offers to ensure you're getting the best deal. Our list is a great starting point for finding this month's top bonuses.
*SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2025. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
*Direct Deposit Promotion begins on 12/7/25 and will be available through 12/31/26. See full terms and disclosures at sofi.com/banking.