Your $20 is waiting, Janet. Review the benefits of a SoFi Checking & Savings account.

Earn up to 4.50% APY. Your wallet will thank you.

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Log in ›     Boost your savings with up to 4.50% APY1 and a $20 bonus.     Get started     Janet, if you're already in the know about SoFi, you're gonna love this:     Last year, SoFi members with direct deposit earned an average of $238 in interest compared to $10 from a traditional bank2.     Here's what you can look forward to when you bank with us:     Score $20* just for kick-starting your account (with a minimum of $10).     Get up to 4.50% APY on your account balances     Say goodbye to pesky account fees3.     Let our Roundups and Vaults features automate your savings game.     Up to $2M additional FDIC insurance^ on deposits through the SoFi Insured Deposit Program.      Open a SoFi Checking & Savings account and earn more on every dollar. Ready to get started?       Get started       Have questions? Contact us   Download the SoFi app   SoFi Bank, N.A. Member FDIC. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. 1SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder's SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder's SoFi Checking and Savings account ("Qualifying Deposits") during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder's Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. ("SoFi Bank") or from a merchant. SoFi Bank shall, in its sole discretion, assess each account holder's Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption. SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit. Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% 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 8/9/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet. 2Rates may vary by state and do not account for bonus, special or promotional APYs. Traditional bank rates are in comparison to Chase and Bank of America and current as of March 6, 2023. Calculated from February 1, 2022 to February 1, 2023. *The following describes the terms that apply to participation in the SoFi Checking and Savings $20 open offer ("Open Offer") offered by SoFi Bank, N.A ("SoFi"). This offer is available to new SoFi Checking and Savings members who have not previously opened an account. It is not available to any member who has previously opened a SoFi Money account. This offer is limited to one per person. To receive the account $20 offer, participants must first apply and successfully open a SoFi Checking and Savings account. Within 5 business days, qualifying participants will receive a $20 deposit into their SoFi Checking and Savings account. This offer is only available to members who have received marketing communications from SoFi that reference this offer. This SoFi Checking and Savings $20 open offer cannot be combined with the SoFi Checking and Savings Referral Offer. Participants must comply with the SoFi Checking and Savings terms of use. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received by applicable law. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer. Consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time without notice. 3Our account fee policy is subject to change at any time. ^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. SoFi Bank values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. Unsubscribe  |  Privacy  |  Licenses SoFi Bank, N.A., 2750 East Cottonwood Pkwy #300, Cottonwood Heights, UT 84121 © 2023 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. W:1258755 R:2884261