OUR STORY
Quality, not quantity
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SoFi Checking and Savings is offered
We have made quality our habit. It’s not something that we just strive for – we live by this principle every day. Hello James, it's never been easier to bring friends to SoFi—or more rewarding.
For a limited time you can earn $25† for each friend you refer to SoFi Checking and Savings when they open and fund their account with at least $10. Plus, they'll receive $25, too.
Make money for each friend you refer―as long as they use your unique link, they're good to go.
What makes SoFi Checking and Savings
worth sharing? All your favorite benefits.Up to 4.30% APY‡ on account balances.
No pesky account fees.*
Get your paycheck up to two days early with direct deposit.**
Up to $2M of FDIC insurance through the SoFi Insured Deposit Program.^
While most of the things about the creative process will be forgotten, the excellence of our products and services will be remembered.
e a good friend.
And get paid for it.
Hello ,
it's never been easier to bring friends to SoFi—or more rewarding.
For each friend you refer to SoFi Checking and Savings when they open and fund their account with at least $10. Plus, they'll receive $25, too.
Make money for each friend you refer―as long as they use your unique link, they're good to go.
What makes SoFi Checking and Savings
worth sharing? All your favorite benefits.
Up to 4.30% APY‡ on account balances.
No pesky account fees.*
Get your paycheck up to two days early with direct deposit.**
Up to $2M of FDIC insurance through the SoFi Insured Deposit Program.^fe ariend
SoFi Bank, N.A. Member FDIC.
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
†The terms below and those set forth in Part II govern your participation in the SoFi Bank, National Association (“SoFi Bank”) Checking and Savings Referral Program (the “Bank Referral Program”). The Bank Referral Program is open to all current Checking and Savings account holders who meet the criteria below and who wish to refer someone to open a Checking and Savings account. A referrer must be a SoFi Bank customer with a Checking and Savings account which is in good standing (i.e. not suspended) (an “Eligible Bank Referrer(s)”).
The Eligible Bank Referrers are encouraged to refer their contacts and people in their networks whom they believe may be interested in opening a Checking and Savings account (the “Eligible Bank Recipient(s)”). Eligible Bank Recipients do not include any individuals that already have a Checking and Savings account or any other SoFi account. SoFi Bank reserves the right to disqualify anyone from participation in the Bank Referral Program at any time. Anyone who violates these terms and conditions is ineligible for payment of any bonus.
To receive credit for a referral made under the Bank Referral Program, an Eligible Bank Referrer must access their own unique referral link and send it to the Eligible Bank Recipient(s), whom they wish to refer to open a new Checking and Savings account (a “New Checking and Savings Account”). An Eligible Bank Referrer will not receive credit for a referral link sent to an individual that already has a Checking and Savings account or any other SoFi account. Recipients must be new SoFi members. The Eligible Bank Recipient must use the Eligible Bank Referrer’s unique referral link to open and fund the New Checking and Savings Account, and the funds must settle into the New Checking and Savings Account within 14 days of receipt of the Eligible Bank Referrer’s unique referral link for the Eligible Bank Referrer to receive the referral bonus. Payment must be made via an ACH transfer from a linked bank account, or via “Instant Transfer” from a debit card (if available). P2P transfers (ACH-based P2P or debit-card based P2P from Venmo, PayPal, Apple Cash, Square Cash, etc.) are excluded. Once the funds have settled into the account, qualifying participants will receive a cash deposit into their SoFi Checking and Savings account within seven (7) business days of settlement.
For each Eligible Bank Recipient who meets the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral, SoFi Bank or its designee will: (a) credit the Checking and Savings account of the Eligible Bank Referrer, with a one-time referral bonus in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Bank Referral Bonus”); and (b) credit the New Checking and Savings Account of the Eligible Bank Recipient with a one-time welcome bonus in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Bank Welcome Bonus”). Only one Bank Referral Bonus and one Bank Welcome Bonus will be awarded for each referred Eligible Bank Recipient, regardless of whether the Eligible Bank Recipient opens and funds multiple accounts. An Eligible Bank Referrer will not earn a Bank Referral Bonus if the Eligible Bank Recipient has or had an existing funded SoFi Checking and Savings account, or does not use the unique referral link provided by the Eligible Bank Referrer.
If the Eligible Bank Recipient already has a Checking and Savings or other SoFi account, is on our opt-out list or the national email opt-out list, or has already received and used another Eligible Bank Referrer’s unique referral link, SoFi Bank will not send an email to the Eligible Bank Recipient. We cannot disclose to you any information about New Checking and Savings Accounts opened by any Eligible Bank Recipient you refer to us. Participation in the Bank Referral Program serves as a one-time, limited waiver of privacy rights by both you and the Eligible Bank Recipient, pursuant to which each may become aware that the other has an account relationship with SoFi Bank.
‡SoFi members with direct deposit can earn up to 4.30% annual percentage yield (APY) on savings balances (including Vaults) and 1.20% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.30% APY for savings. Members without direct deposit will earn 1.20% APY on all account balances in checking balances and savings balances without direct deposit (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 6/9/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
*Our account fee policy is subject to change at any time.
**Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.
^SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $2M through participation in the program. See full terms at sofi.com/banking/fdic/terms. See list of participating banks at sofi.com/banking/fdic/receivingbanks.
SoFi Bank values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us.
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