SoFi Checking

SoFi's checking and savings combo with one of the highest checking bonuses available. No monthly fee, no overdraft fee, and a competitive APY when you set up direct deposit.

• U.S. resident, 18+ years old
• New SoFi Checking and Savings customer
• Valid Social Security Number
• Must have qualifying direct deposit (not bank transfer)

1. 01
   Open account

   Apply online in about 5 minutes. No credit pull required.
2. 02
   Set up direct deposit

   Have $5,000+ in qualifying direct deposits within 25 days.
3. 03
   Maintain balance

   Keep deposits active through the bonus posting.
4. 04
   Bonus pays out

   $325 deposited within 14 days of meeting the requirement.

• Direct deposit must come from employer or government — not P2P transfers
• Bonus is reportable as interest income
• Cannot combine with other SoFi referral offers