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From:

SoFi <no-reply@r.sofi.com>

Date:

February 27, 2025 6:38 PM

Subject:

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

To:

emailmarsubscr@gmail.com

Upgrade your banking, upgrade your cash and rewards.
 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
 
 
SoFi
Log in ›
 
 
Your SoFi banking offers are here--up to $320. Claim my bonus.
  Max,

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.  
 
 
 
  Up to $300 when you set up direct deposit2 on your new account.  
 
 
 
Why choose SoFi Checking and Savings?
 
  • No account fees or minimums.3  
  • SoFi Plus premium benefits4 like up to 3.80% APY and your paycheck up to two days early.5  
  • Easy online checking and savings, all in one place.  
 
  Ready to start earning?  
 
Claim your bonus
 
 
 
chat bubble   Have questions? Contact us
mobile phone   Download the SoFi app
 
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.
1The 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 person.

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. 2,000 Bonus Rewards Points are equal in value to $20 when redeemed into SoFi Checking and Savings, SoFi Active Invest, SoFi Personal, SoFi Student or Student Loan Refinance loans or as a SoFi Credit Card statement credit. 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.

SoFi and its affiliates have an obligation to meet its tax reporting requirements. Per applicable law, bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as other income to the recipient on Form 1099-MISC in the year received. The tax reporting threshold of $600 or greater is applied on a consolidated basis across all products. 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.

2 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 receive at least one 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.

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 (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network. 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 Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder’s 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 a Direct Deposit of $1 or more within the Promotion Period and ends 25 calendar days later (the “Direct Deposit Bonus Period”). 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 in 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 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 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 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 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.


3 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/.

4SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
5Early 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.
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.

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