SoFi Checking & Savings Bonus: Earn Up to $765 Total SoFi Checking & Savings is once again available with a lucrative signup bonus. New customers can earn up to $400 directly from SoFi by setting up qualifying direct deposits, and there’s currently an additional $365 available through Swagbucks. Combined, that brings the total potential bonus to $765. The account also offers a competitive interest rate of up to 3.80% APY with qualifying activities and has no monthly maintenance fees. Let’s take a look at the details. Article Updates: June 4, 2026 – Swagbucks is offering a bonus of $365 today for those who open a new SoFi Checking & Savings account. Add the $400 from SoFi and you can earn up to $765 total. This account also earns an interest rate of up to 3.80% (with qualifying activities). Must be a new SoFi Checking & Savings user. For account open award, you must complete the offer via website or app and directly apply and open a SoFi Checking & Savings account within 45 days. For direct deposit award, you must open a new SoFi account and make a qualifying direct deposit of $400 or more as your very first deposit within 45 days. Cannot be combined with any other enrollment bonuses, including a referral reward. To earn, you must complete the offer via website or app and apply directly to SoFi Checking & Savings. Award will pend for 31 days May 07, 2026 – Rakuten is now offering $300 cash back or 30,000 Amex/Bilt points. Add the $400 from SoFi and $25 from a referral link, and you can earn a total bonus of $725. You need to click the referral link first and then open Rakuten in a different tab and continue the account opening process from there. December 10, 2025 – The Rakuten offer is now $400, or 40,000 Amex/Bilt. Add the $300 from SoFi and $25 from a referral link, and you can earn a total bonus of $725. Jul 04, 2025 – InboxDollars currently has the best offer available at $325. Add the $300 from SoFi, and you can earn a total bonus of $625. This account also earns an interest rate of up to 3.80% (with qualifying activities). If you don’t have an InboxDollars account, you can also earn a $5 signup bonus as a new user. SoFi Checking and Savings $400 Bonus The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $1,000-$4,999 in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. You can see the bonus here. Expires 12/31/2026. Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash bonus $1,000 – $4,999 $50 $5,000 or more $400 In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than $1,000 during the Evaluation Period (defined below). SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period. $465 Swagbucks Bonus You can now also earn a $415 bonus from Swagbucks. Just search for SoFi. This is how it works: Must open a new account and complete direct deposit within 45 days. First deposit must be a qualifying direct deposit of $400 or more SB will appear as Pending for 32 days. Must be a new SoFi Checkings & Savings user. Earning 3.80% APY SoFi members with direct deposit can earn up to 3.80% annual percentage yield (APY) interest on all account balances in their Checking and Savings accounts (including Vaults). There is no minimum direct deposit amount required to qualify for 3.80% APY. Members without direct deposit will earn 1.00% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. Guru’s Wrap-Up This is one of the best nationwide bank account bonuses currently available. The ability to stack the SoFi bonus with a Swagbucks offer significantly increases the bonus, making the total package worth up to $765. If you’re eligible and don’t already have a SoFi Checking & Savings account, this is definitely worth considering. Just make sure you follow the requirements carefully, especially regarding qualifying direct deposits and the Swagbucks tracking requirements. Bank bonuses in general are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. You can also access bonuses available in your state by visiting dannydealguru.com/tag/NY-bank-bonus/ (this is an example for New York). Just replace “NY” with your state or with “nationwide”. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here. Link & Key Details OFFER PAGE Max Bonus: $765 Account Type: SoFi Checking & Savings Availability: Nationwide Inquiry Type: Soft pull Credit Card Funding: No Direct Deposit Requirement: $1,000 or more (see what works) Other Requirements: $200 deposit Monthly Fee: No Closing Account Fee: Unknown Expiration Date: 3/31/23 12/31/23 11/30/25 6/30/26 Share bank offers and other deals here The post SoFi Checking and Savings Bonus, Earn Up to $765 Total With New Account appeared first on Danny the Deal Guru.
