SoFi Checking and Savings: $50-$475 Sign-Up Bonus and $75 Referrals (New Offer July 2026)

SoFi Checking and Savings accounts offer up to a 3.10% APY on savings balances and a 0.50% APY on checking balances, plus there are no monthly maintenance fees, no minimum balance requirements, no overdraft fees, and no ATM fees at 55,000+ Allpoint ATMs worldwide.

To get a $50-$475 bonus for opening new SoFi Checking and Savings accounts, visit this SoFi Checking and Savings Bonus Referral Link, and you’ll get a $50 bonus when you deposit at least $50 within 21 days, plus you’ll get an additional $25 bonus if you enroll in SoFi Plus ($10/month) within 21 days, and you’ll get another $50/$400 bonus with eligible direct deposits totaling at least $1,000/$5,000.

Through the SoFi Checking and Savings Referral Program, new members can get a $50 bonus for opening SoFi Checking and Savings accounts and depositing $50 within 21 days, another $25 bonus for enrolling in SoFi Plus within 21 days, and another $50/$400 bonus with $1,000/$5,000 in total direct deposits, and current members can get a $75-$100 bonus for each new user that opens and funds a new SoFi Checking and Savings account with $50 within 21 days.

Check out the new SoFi Checking and Savings accounts to earn up to a 3.10% APY on savings balances and a 0.50% APY on checking balances, plus get access to a variety of other features, such as no-fee ATM withdrawals and 2-day early paychecks, all with no account fees.

Additionally, if you do decide to join SoFi Plus for $10/month (cancel online anytime), you will earn a 4.50% APY on Savings balances up to $20,000 (3.10% APY on all other balances), an unlimited 1% match on deposits into a SoFi Invest account, a 10% boost on cash back rewards with a SoFi Unlimited 2% Card, unlimited 1-on-1 sessions with SoFi Wealth Financial Planners, and many other benefits.

SoFi Checking and Savings Account Features

• Earn up to a 3.10% APY on Savings Balances (including Vaults) and a 0.50% APY on Checking Balances.
• Up to 15% Cash Back at Local Establishments with SoFi Debit Card.
• 2-Day Early Paycheck with Direct Deposit (No Minimum Required).
• Up to $50 of No-Fee Overdraft Coverage with $1,000 Monthly Direct Deposit.
• No Account Maintenance Fees.
• No Minimum Balance Requirements.
• No ATM Fees at 55,000+ Allpoint ATMs Worldwide.
• Automatic Savings Features like Vaults and Roundups.

SoFi Checking and Savings $50-$475 Account Opening Bonus

To qualify for this offer, join via this SoFi Checking and Savings $50-$475 Referral Bonus Link to get started.

You’ll get a $50 bonus when you sign up for a SoFi Checking and Savings account and deposit at least $50 into your new checking account within 21 days.

Additionally, you’ll earn another $25 bonus when you enroll in SoFi Plus within 21 days of opening your SoFi Checking and Savings account, which costs $10/month and can be easily canceled online anytime.

On top of that, you’ll earn an extra $50/$400 direct deposit bonus when you receive total direct deposits of at least $1,000/$5,000.

For the direct deposits bonus, you will get an additional $50 bonus when you have $1,000-$4,999 in total direct deposits, or an additional $400 bonus when you have $5,000+ in total direct deposits, as long as the total qualifying direct deposits occur within 25 days of your first direct deposit being received.

Qualifying direct deposits must be made from the enrolled member’s employer, payroll, or benefits provider via ACH deposit.

Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion.

SoFi will credit you with an additional $50/$400 cash bonus deposited into your SoFi Checking and Savings account within 7 business days of the direct deposit qualification.

SoFi Checking and Savings Referral Bonuses

Through the new SoFi Checking and Savings Referral Program, you can share $50-$475 bonuses with your friends, and you’ll get $75-$100 bonuses for each of your referrals.

In order for your referrals to earn $50 and for you to earn $75, your referrals must open a SoFi Checking and Savings account and deposit $50 into the new checking account within 21 days of account opening.

In addition to the initial $50 bonus, your referrals can earn an extra $25 bonus when they enroll in SoFi Plus for $10/month within 21 days, and another $50/$400 bonus when they receive total qualifying direct deposits of at least $1,000/$5,000.

To determine the direct deposit bonus amount, SoFi will add up all direct deposits received within 25 calendar days of the first direct deposit of $1 or more: $50 extra bonus for $1,000+ total direct deposits OR $400 extra bonus for $5,000+ total direct deposits.

If your referees only deposit $50 to receive the initial $50 bonus, then you (the referrer) will only earn a $75 bonus, but if your referees also join SoFi Plus, receive eligible direct deposits, OR receive $5,000 or more in qualifying deposits into their SoFi Checking and Savings account within a 31-calendar-day period, then you will earn a $100 bonus instead.

There is no limit to how many people you can refer to open a SoFi Checking and Savings account, and you can earn up to $10,000 in total referral bonuses per year from SoFi.

Take advantage of the new SoFi Checking and Savings accounts to earn up to $475 in bonus cash for a limited time, plus get additional cash for referring your friends and family to open SoFi Checking and Savings accounts.

To earn additional cash bonuses from SoFi, try this SoFi Loan Bonus and SoFi Investing Promotion as well as this SoFi Crypto Offer and SoFi App Deal, as SoFi provides a variety of sign-up rewards for new clients.