SoFi Checking Account

Bonuses

• $400Account bonus · ends 12/31/2026 at 11:59PM ET

  Set up your first Eligible Direct Deposit, which SoFi must receive on or before 12/31/26; after SoFi receives and recognizes your first Eligible Direct Deposit of $1 or more, the Total Eligible Direct Deposits received over the next 25 calendar days determines the bonus amount.

  Can you meet it? The bank bonus finder

• $25With a current customer’s referral · SoFi Bank Referral Program — Standard Bonus ($75 tier)

  The recipient must open their first SoFi Checking and Savings account through the friend's referral link during the Promotion Period and make deposits totaling at least $50 within the 25-calendar-day period beginning the day after registeri

Fees

Monthly fee

NoneSource · checked Oct 10, 2026

Minimum to open

NoneSource · checked Oct 10, 2026

Overdraft fee

NoneSource · checked Oct 10, 2026

Returned item (NSF) fee

NoneSource · checked Oct 10, 2026

ATM network

AllpointSource · checked Oct 10, 2026

ATMs in the network

55,000Source · checked Oct 10, 2026

Out-of-network ATM fee

NoneSource · checked Oct 10, 2026

International ATM fee

NoneSource · checked Oct 10, 2026

Foreign transaction fee (debit card)

NoneSource · checked Oct 10, 2026

Incoming domestic wire

NoneSource · checked Oct 10, 2026

Outgoing domestic wire

$30Source · checked Oct 10, 2026

Inactivity fee

NoneSource · checked Oct 10, 2026

Stop payment

NoneSource · checked Oct 10, 2026

Card replacement

NoneSource · checked Oct 10, 2026

Who can open it

Where

Anywhere in the USSource · checked Oct 10, 2026

Minimum age

18Source · checked Oct 10, 2026

Features

Bill payCheck writingDebit cardEarly direct depositExtended deposit insuranceInstant external transfersITIN acceptedJoint accountsMobile check depositMobile walletNo foreign transaction feeNo overdraft feesOnline openingZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.