Janet, tune up your finances with Kelsea Ballerini 🎶💸

Kelsea Ballerini helps your finances hit the right note.

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Log in ›     Hi Janet—ready to get your money in tune with your dreams? Grammy-nominated artist Kelsea Ballerini is teaming up with SoFi to help you get your money right.     As an award-winning singer-songwriter who's always on the go, Kelsea knows the value of staying grounded—especially when it comes to her finances. She's sharing how SoFi can help members stay focused on their future.     Set it and forget it with Vaults. "Some of my best songs came together line by line—and saving money can work the same way. By setting up automatic deposits into SoFi Vaults, you can consistently grow your savings without even thinking about it."   Hit play on bill pay. "When you're chasing big dreams, the last thing you need is a missed payment. Make your busy life easier and set up bill pay with your SoFi Checking and Savings account to stay on top of your mortgage, utilities, credit card payments, and subscriptions—so everything stays in rhythm."       Love your savings like you mean it. "High-yield savings is music to my ears. Now you can earn 4.50% APY1 on your savings when you open a SoFi Checking and Savings account with SoFi Plus by 1/31/2026 and make the most of every dollar you save. That's a 0.70% boost on our highest savings rate. Terms apply. Plus, you'll get access to other premium benefits that can help build your financial future—it's like having your money perform an encore every month."   Protect your money  like a headliner. "SoFi's security gives me peace of mind. With FDIC insurance up to $250K—and up to $3 million in additional insurance through a seamless network of participating banks2—I know my money's safe, wherever the road takes me."       Ready to tune up your financial goals like Kelsea Ballerini? Open a SoFi Checking and Savings account to earn more and save more today.     Open an account     Earn a $50 or $300 bonus with eligible direct deposit. • Cash in on a bonus of $50 or $300.3 • Ditch the frustration and say goodbye to monthly account fees.4   Open an account         customerservice@sofi.com   855.456.SoFi (7634) M‑Th 5 AM‑7 PM PT, F‑Su 5 AM‑5 PM PT   SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. 1SoFi Plus members can earn up to 4.50% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.80% (rate current as of 8/5/2025). Rates are variable and subject to change. SoFi Boost APY Promotion Terms The following terms and conditions (the "Terms") apply to the SoFi APY Boost Promotion (the "Promotion"), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield ("APY") boost to the APY earned on their SoFi Savings account (the "0.70% APY Boost") for up to six months by completing the required actions described below. Promotion Period: August 5, 2025 at 12:00 a.m. E.T. - January 31, 2026 at 11:59 p.m. E.T. Who is eligible for the Promotion? Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion ("Eligible Members"). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost. What qualifying activities do I need to complete to earn the 0.70% APY Boost? In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below. Option 1 Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026; AND Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either: Setting up and maintaining Eligible Direct Deposit, or Paying and maintaining the SoFi Plus Subscription Fee AND Maintain your SoFi Plus subscription for a period of six months. Option 2 Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND Open a new SoFi Checking and Savings account by 1/31/2026; AND Maintain your SoFi Plus Subscription Fee for a period of six months. When will I begin earning the 0.70% APY Boost? Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit. Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi. How long will I earn the 0.70% APY Boost? You will continue to receive the 0.70% APY Boost for a period of up to six months (the "Boost Period"), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details. During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus. Additional Important Terms: Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates. Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost. SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice. Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet. 2SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor 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 $3M through participation in the program. See full terms at Sofi.com/banking/fdic/sidpterms. See list of participating banks at Sofi.com/banking/fdic/participatingbanks. 3 The following describes the terms that apply to participation in the SoFi Checking and Savings direct deposit promotion (the "Direct Deposit Promotion") offered by SoFi Bank, N.A, Member FDIC ("SoFi"). Eligible Participants: All new and existing members without any history of direct deposit transactions into their SoFi Checking and Savings account are eligible to earn a cash bonus of either $50 OR $300 under the Direct Deposit Promotion. Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings, whether currently still enrolled or not, do not qualify for this Direct Deposit Promotion. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus. Member must have an open SoFi Checking account in good standing at the time of the bonus payment. Promotion Period: The Direct Deposit Promotion will begin on 12/7/2023 at 12:01AM ET and end on 1/31/2026 at 11:59PM ET. Bonus Terms: In order to qualify for a bonus of either $50 OR $300, SoFi must recognize receipt of at least one Eligible Direct Deposit (as defined below) from an Eligible Participant, the first of which must be before the end of the Promotion Period. The amount of the bonus, if any, will be calculated during the Direct Deposit Bonus Period as described and defined below. Eligible Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Eligible Direct Deposit") via the Automated Clearing House ("ACH") Network. Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as 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. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus Period will be treated as having started on the date we receive your first Eligible Direct Deposit. 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, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. Direct Deposit Bonus Period: The Direct Deposit Bonus Period begins when SoFi receives an Eligible Direct Deposit of $1 or more within the Promotion Period and ends 25 calendar days later (the "Direct Deposit Bonus Period"), subject to the Bonus Terms. For the avoidance of doubt, the Direct Deposit Bonus Period shall not extend beyond the Promotion Period. Bonus Amount: The bonus amount will vary based on the total amount of Direct Deposits received during the Direct Deposit Bonus Period. Total Direct Deposit Amount Received During Direct Deposit Bonus Period Cash Bonus Tier $1.00 - $999.99 $0 $1,000.00 - $4,999.99 $50 $5,000.00 or more $300 Once the Direct Deposit Bonus Period has elapsed, SoFi will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within seven (7) business days. For example, if SoFi receives between $1,000.00 and $4,999.99 in Eligible Direct Deposits during the Direct Deposit Bonus Period, you will receive a one-time cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if Eligible Direct Deposits subsequently increase after the Direct Deposit Bonus Period. Bonus Payment Timeline: SoFi will credit members who meet qualification criteria within seven (7) business days of the end of the Direct Deposit Bonus Period. Tax Reporting: Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable. Other Important Details: SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity. SoFi also reserves the right to modify or end the Promotion at any time. Interest Rates: SoFi members can earn the following annual percentage yields (APY): With Eligible Direct Deposit: Savings (including Vaults): 3.80% APY. Checking: 0.50% APY. No minimum Direct Deposit amount is required to earn the 3.80% APY on savings. Without Eligible Direct Deposit: Savings (including Vaults): 1.00% APY. Checking: 0.50% APY. Other Rates Details: Rates are variable and are subject to change at any time. Rates are current as of 1/24/2025. No minimum balance is required. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. 4 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 Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/. Screen images simulated. SoFi Bank values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. Unsubscribe Privacy Policy Licenses SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 © 2025 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 2925752 BNK25-2576700-C