SoFi Checking and Savings: up to $400 bonus
Category: bank | Product: Checking and Savings
Bonus: up to $400
Requirement: $5,000+ in direct deposits within 25 days ($50 at $1,000)
Dollar requirement: 5000
Status: live
Expires on: 2026-12-31
Fee: No account fees
Keep period: No minimum balance; keep direct deposit on for the APY
Payout timing: Within 7 business days of meeting the requirement
ChexSystems: Soft pull, no ChexSystems reported
Hard credit pull: false | Referral gated: false
Available in: nationwide
Verified on: 2026-07-17