Janet, unlock your eligible offers and start earning with SoFi Checking and Savings 💰✨

Upgrade your banking, upgrade your cash and rewards.

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Log in ›     Janet, Open a SoFi Checking and Savings account and claim your exclusive rewards:       $20 in rewards points1 just for opening a SoFi Checking and Savings account using the unique link in this email.         A welcome bonus of $50 or $300 when you set up eligible direct deposit2 of $1,000 or more on your new account. Terms apply.         Earn up to 3.30% APY on your savings when you set up eligible direct deposit.3 Terms apply.         Why choose SoFi Checking and Savings?     • No account fees or minimums.4     • Up to $3M additional FDIC insurance through a network of participating banks.5     • Easy online checking and savings, all in one place.       Ready to start earning?     Claim your bonus     To learn more, explore the Banking Page.       Have questions? Contact us   Download the SoFi app   © 2026 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. To learn more, explore the Banking Page. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 1 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 a SoFi Money or SoFi Checking and Savings account. This offer is limited to one per member. To receive the account $20 offer, participants must first apply and successfully open a SoFi Checking and Savings account. Qualifying participants will receive 2,000 SoFi rewards points, worth a value of $20, within 7 business days. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. In the case of joint accounts, participants will receive a total of 2,000 rewards points into the joint account. You must receive this offer directly from SoFi to be eligible and respond via the specific link contained in this communication. 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. Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. 2 Who is eligible for a Direct Deposit Bonus? New and existing SoFi members who have never set up direct deposit with SoFi are eligible for the Direct Deposit Bonus. Bonuses are limited to one bonus per SoFi member. In the case of a joint account, direct deposit activity will only be counted towards the primary account holder's eligibility for the bonus (the primary account holder is the member who opened the joint account first). How do I earn the Direct Deposit Bonus? 1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 12/31/26. 2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount. Total Eligible Direct Deposit Bonus Amount Timing $1.00 - $999.99 $0 To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit. $1,000.00 - $4,999.99 $50 $5,000.00 or more $300 3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment. What is an Eligible Direct Deposit? Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency ("Eligible Direct Deposit") Not Eligible: Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle®, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. 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 initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit. What else is important to know? This promotion is available between 12/7/2023 at 12:01AM ET and 12/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion. 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 members with Eligible Direct Deposit activity can earn 3.30% annual percentage yield (APY) on savings 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 rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet. Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences. This promotion is offered by SoFi Bank, N.A, Member FDIC ("SoFi"). 3 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. 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 Bank Fee Sheet for details at sofi.com/legal/banking-fees/. 5 SoFi 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. 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 © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 3454422