SoFi Checking Account Details

Rakuten - This account offers a bonus of $650 if you complete direct deposits totaling $5,000.00 or more within 25 days of account opening. Bonus offer ends on Dec 31, 2025.
Offer Details

Swagbucks - This account offers a bonus of $625 if you complete direct deposits totaling $5,000.00 or more within 25 days of account opening. Bonus offer ends on Jan 31, 2026.
Offer Details

This account offers a bonus of $325 if you complete direct deposits totaling $5,000.00 or more within 25 days of account opening. Bonus offer ends on Jan 31, 2026.
Offer Details

This account offers a bonus of $75 if you complete direct deposits totaling $1,000.00 or more within 25 days of account opening. Bonus offer ends on Jan 31, 2026.
Offer Details

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Federal Reserve Board Bank ID:	962966
FDIC Certificate Number:	26881
Annual Percentage Yield (APY):	0.50%
Early Paycheck?	Yes
Online Bill Pay?	Yes
Pay Anyone?	Yes
Check Writing included?	Free
Checks Deposits in App?	Yes
Joint accounts available?	Yes
Daily Transfer Out Limit:	$1,000,000.00

SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Direct Deposit. SoFi Plus members earn an unlimited 1% match on all recurring deposits to a SoFi Invest account, paid in rewards points.

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