Bank sign-up bonusesbeta

Sign-up bonus

Offer

Up to $400 after $5,000 in direct deposits

Amount

$400

Minimum deposit

$5,000

Deposit window

—

Starts

Jan 1, 2026

Ends

Dec 31, 2026 99d

Personalized offer: your number is set at application from the range shown.

Verified Sep 22, 2026 · issuer page

Interest

APY

3.10%

Rate type

boosted

Notes

+0.90% limited-time boost, 6 months, first account

Boost

+0.90% for 6 months — $5,000 monthly deposits or direct deposits

Verified Sep 22, 2026 · issuer page

Fees & limits

Annual fee

—

Monthly fee

None

Waiver balance

—

Withdrawal limit

—

FDIC insured

Yes

To qualify

1. Open a checking + savings pair
2. Receive $5,000 in direct or monthly deposits

Availability

Nationwide

Apply at SoFi ↗