Up to $300 Bonus
up to APY
4.00%
Annual Percentage Yield (APY)
- Checking & Savings Account
- Min. to Open: $0
- Bonus: up to $300 with Direct Depositⓘ
- Up to 4.00% APY on Savings Balances with Qualifying Activities
- $0 Monthly Fees
- FDIC Insured up to $250,000
- Earn $50 or $300 with direct deposit, terms apply
- Limited Time Offer: +0.70% Boost to 4.00% APY for up to 6 Months on New Accounts with Eligible Direct Deposit.
- Terms Applyⓘ
- See Site for Details
1. Up to $300 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
2. APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
3. Fee Policy
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
4. Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $2M through participation in the program. See full terms at SoFi.com/banking/fdic/terms See list of participating banks at SoFi.com/banking/fdic/receivingbanks
5. ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees
may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
7. Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
8. 0.70% Savings APY Boost
Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
On SoFi's Secure Site,
Member FDIC
Limited Time Offer
- Checking Account
- U.S. Bank Visa® Debit Card
- Minimum Deposit: $25
- Deposit can be Transferred from another Bank Account or Paid by Card
- Mobile Check Deposit
- Direct Deposit Switch - Makes it Easier to Switch Your Direct Deposit
- Send Money with Zelle®
- Fraud Prevention
- No ATM Fees at U.S. Bank ATMs
- Earn up to $450 when you open a new U.S. Bank Smartly® Checking account & complete qualifying activities.
- Get the bonus within 30 days after you have met the requirements.
- Offer valid through April 1, 2026. Member FDIC.
- Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
- Subject to Certain Terms & Limitations
- See Site for Details
On U.S. Bank National Association's
Secure Site, Member FDIC
$400 Bonus
- Checking Account
- Visa® Debit Card
- Minimum Deposit: $50
- Overdraft Fees: $0
- Mobile Check Deposit
- No ATM Fees at Truist ATMs
- Earn $400 with qualifying activities. For new checking clients only.
- Use Promo Code: AFL400TR1Q425
- Offer valid through 3/25/2026.
- Terms & Conditions Applyⓘ
- See Site for Details
Terms and Conditions for Truist One Checking $400 Affiliate Online Offer Q4 2025 and Q1 2026: AFL400TR1Q425
Offer Information: Open a new Truist One Checking account online from 10/30/25 through 3/25/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.
• Receive at least two qualifying direct deposits* totaling $2,000 or more AND
• Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.
Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code AFL400TR1Q425. Please refer to the Account Opening and Enrollment section below for full instructions.
*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.
Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 10/30/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.
Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.
Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/27 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. All standard account terms and conditions apply.
Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL400TR1Q425 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.
Version 3 09162025 AFL400TR1Q425
©2025 Truist Financial Corporation. TRUIST, the Truist logo and Truist Purple are service marks of Truist Financial Corporation. All rights reserved. Truist Bank, 214 N Tryon St., Charlotte, NC 28202.
On Truist's Secure Site,
Member FDIC
$300 Bonus
- Checking Account
- No Monthly Maintenance Fee
- Min. Opening Deposit: $10
- Send Money with Zelle®
- KeyBank Debit Mastercard® Offers Security & Convenience
- Deposit Checks in The Mobile App
- 24-hour access to 40,000+ KeyBank & AllPoint® ATMs Nationwide
- Earn a $300 Cash Bonus: Make the Minimum Opening Deposit of $10 and a Total of $2,000 or more in Eligible Direct Deposits within the First 90 Days of Account Opening.
- To be Bonus Eligible, You Must Open Your Account by May 22, 2026
- Account Must Not Be Closed at Time of Gift Payment
- Overdraft Protection Services Available
- Accounts are Subject to Approval
- Terms & Conditions Apply
- See Site for Details & Other Offers
On KeyBank's Secure Site,
Member FDIC