SoFi Promotions

Read our in-depth review of SoFi to see why SoFi scored 3.8 stars out of 5. We like their competitive, fixed rates, low fees, and no collateral.

As of October 2026, the best SoFi checking account bonus offers $400 Bonus. $50 Bonus and $30 Bonus is also available.

$5,000

Personal Loans: Borrow Between $5k-$100k

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Active Investing with SoFi

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$2,000

SoFi Active Invest with SoFi Plus - Up to $2,000 Free Stock

Win a stock ranging from $10 - $2,000 through a one-time electronic claw "grab" when you open a SoFi Invest Active brokerage account and enroll in SoFi Plus on the SoFi mobile app or the SoFi website. The account must be enrolled in SoFi Plus membership within 45 days of utilizing the one-time electronic claw "grab". Terms and conditions apply.

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$1,000

SoFi Active Invest - Up to $1,000 Free Stock

Win a stock ranging from $5 - $1,000 through a one-time electronic claw "grab" when you open a SoFi Invest Active brokerage account on the SoFi mobile app or the SoFi website. The account must be funded with a minimum of $50 within 45 days of utilizing the one-time electronic claw "grab". Terms and conditions apply.

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SoFi Checking and Savings

Up to 3.10% APY with direct deposit on savings balances
$0 monthly fees
No minimum balance
Get paid 2 days early

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$30

Student Checking and Savings Account - $30 Bonus

Sign up for a student bank account with your .edu email address. Fund the account with at least $10 within 5 days of account opening.

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Expires 1/31/2027

$400

SoFi Checking and Savings Account - $400 Bonus

Set up at least one eligible direct deposit of $5,000 or more in your new or existing SoFi Checking and Savings account. Direct deposit must be received before the end of the promotion period. This offer is valid for new or existing customers who do not have any history of direct deposit transactions into their SoFi Checking and Savings account.

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Expires 12/31/2026

$50

SoFi Checking and Savings Account - $50 Bonus

Set up at least one eligible direct deposit of $1,000 - $4,999 in your new or existing SoFi Checking and Savings account. Direct deposit must be received before the end of the promotion period. This offer is valid for new or existing customers who do not have any history of direct deposit transactions into their SoFi Checking and Savings account.

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Expires 12/31/2026

0.70%

0.70% APY Boost for 6 Months

Get an APY boost of 0.70% for 6 months on your SoFi Savings account with a SoFi Plus subscription. Terms and conditions apply.

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Expires 12/31/2026

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Member FDIC

CIT Bank Platinum Savings - Up to 4.25% APY Boost

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Expires 12/15/2026

With 6 month boost, you earn:

Tier	Boost APY
Balance over $5,000	4.25%*
Balance less than $5,000	0.75%*

After boost is completed, you will continue to earn our best standard rates:

Tier	APY
Balance over $5,000	3.75%¹
Balance less than $5,000	0.25%¹

Needs to use promo code to qualify: Boost50
Boost lasts 6 months over standard APY
Tiered account
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees

Disclosures

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:

New customers must open a Platinum Savings account with a valid Promo Code, Boost50. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.

CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:

Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code Boost50.
Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code Boost50.
Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code Boost50.
Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.

There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.

There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.

Additional Important Terms

The Platinum Savings APY Boost promotion may not be combined with other promotions.
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
Custodial accounts and accounts in the name of a Trust are not eligible.
This offer is non-transferable.

The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

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Expires 1/31/2027

The up to $500 cash offer must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2027.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.

Cash Bonus Total Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC

Cash Bonus	Total Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

Member FDIC

Chase Total Checking® - $400 Bonus

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Expires 1/27/2027

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase is ranked #1 in Customer Satisfaction with Mobile Banking Apps among National Banks by JD Power.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Member FDIC

CIT Bank Savings Connect - 3.65% APY

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$100 minimum opening deposit
No monthly maintenance fee
Member FDIC

Disclosures

Member FDIC

High Yield Savings - 3.20% APY

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3.20% APY
$100 minimum opening deposit
No monthly service fees

SoFi Checking Bonus

What is the checking bonus at SoFi?

In-Depth Review

Highlights

Savings
Up to 3.10% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without)

Compare: SoFi vs CIT Bank

CD
N/A

Read: 13 Month CD Rates

Compare: SoFi vs Marcus

Checking
0.50% APY on checking balances

Read: Free Checking Account

Compare: SoFi vs Bank of America

Mobile App
iOS & Android

ATMs
55,000+ Allpoint ATMs

Customer Service
Checking and Savings Support:
Phone: (855) 456-7634
Monday - Thursday: 5AM - 7PM PT
Friday - Sunday: 5AM - 5PM PT
24/7 online chat

Locations
Online only

	SoFi	Chase
		Member FDIC
	Learn More	Learn More
	Benefits and Features
Savings	Up to 3.10% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without)	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 25. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	N/A	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	0.50% APY on checking balances	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App	iOS & Android	iOS & Android
ATMs	55,000+ Allpoint ATMs
Customer Service	Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat	Automated service available 24/7
Locations	Online only
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 09/30/2026.

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Member FDIC

Chase Secure Banking℠ - $175 Bonus

Get $175 Coupon

Expires 1/27/2027

Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Bank with confidence — no minimum deposit to open an account and no overdraft fees.
Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.
$0 Monthly Service Fee for customers ages 17-24.
Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
With Chase Credit Journey^®, help build and improve your credit with a personalized improvement plan provided by Experian.
Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app.
Manage your spending with Spending Planner and get daily spending insights in the Chase Mobile® app.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

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Expires 1/31/2027

The up to $500 cash offer must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2027.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.

Cash Bonus Total Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC

Cash Bonus	Total Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

Member FDIC

CIT Bank No Penalty CD - 3.90% APY

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Option to withdraw full balance and interest after 7 days of CD funding date
$1,000 minimum to open an account
11 months
No monthly maintenance fee
Member FDIC

Disclosures

Member FDIC

HSBC Premier - Up to $3,000

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Expires 12/31/2026

Earn a cash bonus when you open an HSBC Premier checking account and complete qualifying activities.

Get $1,000: Deposit or invest $50,000 to $99,999
Get $1,500: Deposit or invest $100,000 to $249,999
Get $2,000: Deposit or invest $250,000 to $499,999
Get $3,000: Deposit or invest $500,000+

The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).

How the offer works

Open a Premier checking account by December 31, 2026
Add your preferred amount of deposits and/or eligible investments within 30 days
Maintain your balances for 3 full consecutive months
Remain opted-in to receive HSBC marketing emails

If all offer requirements are met, the bonus will be paid within 8 weeks.

Your partner for every stage of life
We offer a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.

Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.