SoFi Checking and Savings bonus: is $400 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$400: more than leaving it at 4.15%
With $0 for 90 days, the tier that adds the most.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$50$0$50 bonus · 90 days
- +$400$0Best for you$400 bonus · 90 days
The math
Bonus
+$400
Extra
+$400
Get $5,000 in direct deposits. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $5,000 in direct deposits
- Ends
- Dec 31, 2026
- Where
- Nationwide
- Pays while it's there
- 3.3% a year
- Monthly fee
- None
- Bonus paid
- Usually within 10 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the SoFi Checking and Savings bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$400.
What are the requirements?
Get $5,000 in direct deposits. Open nationwide.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.