{"id":"bank-bonus-sofi-checking-and-savings-675-signup-bonus","name":"SoFi Checking and Savings Up to $400 Direct-Deposit Bonus","provider":"SoFi Bank","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"Eligible SoFi members setting up their first qualifying direct deposit can earn $50 or $400 based on the total eligible direct deposits received during the 25-day measurement period.","benefit":{"description":"Up to $400 in a direct-deposit cash bonus","estimated_value_usd":400},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["New or existing SoFi member who has never previously set up direct deposit with SoFi"],"requirements":"Receive a first eligible direct deposit by December 31, 2026. SoFi totals eligible direct deposits received over the following 25 calendar days: $1,000 to $4,999.99 earns $50 and $5,000 or more earns $400.","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"SoFi advertises no account, service, or maintenance fees; outgoing-wire, instant-transfer, and global-remittance fees may apply.","personalized":false,"regions":["US"],"expires":"2026-12-31"},"status":"verified","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T17:03:57.521Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.sofi.com/banking"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T17:03:57.521Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.sofi.com/banking/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-sofi-checking-and-savings-675-signup-bonus?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.sofi.com/banking/","source":{"primary_url":"https://www.sofi.com/banking/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.sofi.com/banking/","kind":"provider","checked_at":"2026-08-25"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-sofi-checking-and-savings-675-signup-bonus","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}