SoFi Checking & Savings: Up to $735 in Signup Bonuses ($400 from SoFi + $335 via Swagbucks)
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SoFiSoFi3h ago

SoFi Checking & Savings: Up to $735 in Signup Bonuses ($400 from SoFi + $335 via Swagbucks)

Up to $735 in signup bonuses

New SoFi Checking & Savings account holders can earn up to $400 directly from SoFi, plus an additional $335 through Swagbucks — for a combined total of up to $735 in signup bonuses. This offer is available nationwide and requires a qualifying direct deposit.

How the SoFi bonus tiers work:

  • $50 bonus with direct deposits totaling $1,000–$1,999
  • $100 bonus with direct deposits totaling $2,000–$4,999
  • $300–$400 bonus with direct deposits of $5,000+

Cashback portal bonuses (as of 7/21/26):

Key account details:

  • No monthly fees
  • Soft credit pull only (no hard inquiry)
  • No credit card funding
  • No household limit listed
  • Bonus paid within 14 days after the 25-day evaluation period ends

How to qualify:

  1. Open a new SoFi Checking & Savings account through a cashback portal (e.g., Swagbucks) to stack bonuses
  2. Set up qualifying direct deposit (must be from an employer, payroll, or benefits provider via ACH — P2P transfers and personal bank transfers do not count)
  3. Receive at least $5,000 in qualifying direct deposits within 25 days of your first deposit to earn the maximum SoFi bonus
  4. SoFi will credit the bonus within 14 days after the evaluation period closes

Things to keep in mind:

  • SoFi is known to be strict about what qualifies as a direct deposit — employer/payroll ACH only
  • The bonus may be reported as miscellaneous income (Form 1099-MISC) if it meets the IRS threshold
  • Existing SoFi customers who have never set up direct deposit may also be eligible

Note:

  • Prices and availability may change without prior notice
  • Check the retailer's website for the most current pricing

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