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SoFi
Checking + Savings
$50–$735
Best tier bonus
checking
personal
Bonus Tiers
| Deposit / DD | Bonus |
|---|---|
| $1,000-$1,999 DD (SoFi direct) | $50 |
| $2,000-$4,999 DD (SoFi direct) | $100 |
| $5,000+ DD - $400 SoFi + $335 Swagbucks portal | $735 |
Requirements
Trigger
$5,000+ Direct Deposit
Hold Period
—
No balance to maintain — this is a one-time direct-deposit threshold. Bonus pays within 14 days after the evaluation period closes.
Monthly Fee
$0
Credit Pull
Soft pull
ChexSystems
Not reported
APY
3.3%
3.30% APY on savings with qualifying DD
Notes
- [Source: DoC sofi-checking-5000-direct-deposit-required, verified 2026-08-01] Direct deposit tiers: $50 for $1,000-$1,999, $100 for $2,000-$4,999, and the top tier for $5,000+.
- SoFi direct portion is $400. The DoC article title reads "SoFi Checking & Savings $400 + $335 Signup Bonus" and updates 3/26/26 and 4/13/26 both state $400; the older $300 figure still in the body table was never updated.
- DoC states the evaluation period as 25 days in the fine print but 30 days in the tier table and verdict — budget for 25 days from your first qualifying direct deposit.
- Portal cashback stacks on top of the SoFi bonus and moves constantly. Per DoC 7/21/26 the current rates are Swagbucks $335, Rakuten $250, TopCashback $200. Sign up through the portal before opening the account.
- Soft pull. No credit card funding.
- Portal rates are third-party offers and can change independently of SoFi's direct bonus.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Read our full post [https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/] Soft pull No credit card funding Direct deposit of $3,000+ required
- $300 from SoFi, $375 from Rakuten/portals. [Source: Text, scraped 2024-05-15]
- $300 is from SoFi and the other $375 is from Rakuten. Direct deposit of $3,000+ required.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Soft pull No credit card funding Direct deposit of $3,000+ required
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi.
- [Source: DoC Best Bank Bonuses, scraped 2026-08-26]
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Soft pull. No credit card funding. Direct deposit of $3,000+ required.
- $300 from SoFi, $375 from Rakuten. Direct deposit of $3,000+ required. No credit card funding.
- $300 from SoFi and $375 from Rakuten. Direct deposit of $3,000+ required.
- $300 from SoFi, $375 from Rakuten. Direct deposit of $3,000+ required.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Soft pull No credit card funding.
- $300 from SoFi + $375 from Rakuten (varies). Direct deposit of $3,000+ required.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Direct deposit of $3,000+ required.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Soft pull No credit card funding
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375. Soft pull. No credit card funding.
- [Source: DoC Best Bank Bonuses, scraped 2026-09-13] Soft pull No credit card funding. $300 is from SoFi and the other $375 is from Rakuten.
- $300 from SoFi and $375 from Rakuten (portal bonus, rates vary). Direct deposit of $3,000+ required.
- $300 from SoFi, $375 from Rakuten/portal. Direct deposit of $3,000+ required.
- [Source: DoC Best Bank Bonuses, scraped 2026-09-22] Bonus is a combination of SoFi and portal offers.
- Soft pull. No credit card funding. $300 from SoFi, $375 from Rakuten (portal bonus, rates vary).
- $300 from SoFi, $375 from Rakuten (varies). Requires direct deposit of $3,000+.
- $300 from SoFi + $375 from Rakuten (portal bonus varies). Requires $3,000+ direct deposit.
- $300 is from SoFi and the other $375 is from Rakuten. The Rakuten/Swagbucks/Topcashback rates move around a lot, but can often get $200-$375, that’s on top of the $300 from SoFi. Direct deposit of $3,000+ required. Soft pull. No credit card funding.
- $300 from SoFi + $375 from Rakuten. Requires $3,000+ direct deposit.