SoFi Checking and Savings Up to $400 Direct-Deposit Bonus

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.

New or existing SoFi member who has never previously set up direct deposit with SoFi

Entitlement facts

Benefit type: Bank account bonus. Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account. Taxonomy definition →
What it unlocks: Up to $400 in a direct-deposit cash bonus
Who qualifies: 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.
How to activate: Open through the eligible offer path and complete every published requirement before its deadline.
Cost basis: Deposit or balance activity required. 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.
Cost and fees: SoFi advertises no account, service, or maintenance fees; outgoing-wire, instant-transfer, and global-remittance fees may apply.
Geography: US
Personalization: Published eligibility is not described as individually targeted.

EVIDENCE / 1 SOURCE

Eligibility is conditional, not guaranteed.

Check the provider's final terms immediately before applying, depositing funds, spending, or changing a paid relationship.

Latest audit: The latest official-source audit confirmed every normalized term it tested.

01Official bank or credit-union offer termsprovider↗

MACHINE RECORD

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  "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"
  }
}

View JSON ↗

SoFi Checking and Savings Up to $400 Direct-Deposit Bonus

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Eligibility is conditional, not guaranteed.

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