SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Don't recommend this bank for serious users unless your goal is just to earn the signing bonus. I had SoFi for roughly 6 months, used them for direct deposit and bill pays as I normally did with...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
This was mentioned in a previous comment, but reiterating it here for clarity. To maintain the 4.6% APY, one must have direct deposits of $5000 or more each month into the Savings and Checking...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
No issues with the accounts at first. Then I did one of their mortgage questionnaire promos. Very shortly after I received a marketing call from someone who stated they were calling in response to...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
You will not is what most DPs say (over on DoC) and the terms explicitly say you won't but at least one person there said yes, they did. Worth a shot, why not
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
I’ve been using them for about 8 years. First with a student loan refinance and then with banking and investing more recently. I’ve never had an issue. I have several other accounts with other banks...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Nice! ;)
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
I did not see this answered at aswell. Wondering the same thing
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Sign up for treasury direct. It’s annoying sign up process, requiring a notarized document. But now any bank bonuses requiring direct deposit - I can essentially do myself. Just send money to...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Is there a duration that you need to keep the direct deposit funds in the new account?
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
im not sure the rules of referrals, but If anyone is interested in additional 25 dollars I can PM you a referral link.
I have been with Sofi for five years -- they actually helped with reducing...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Buy Sofi stock— seeing all the negativity here says the company will do what it needs to do to stay afloat and make money for its investors. Reminds me of what Capital One did with its exorbitant...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Back when the rates were going up I went with SoFi, but then Primis came with significantly higher rates. Still at > 5% both Checking and Savings (maybe "grandfathered in"), no issues besides bill...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Same here. For similar amount in each bank, Chase gives me only a few cents as interest per month, SoFi gives me about $76 every month as interest. That is night and day difference!
Love SoFi -...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
SoFi is great but they still have some common FinTech limitations that are annoying.
- You can only link other bank accounts using Plaid. If you don't agree to Plaid terms you are pretty much out of...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Apple Savings by Goldman Sachs
There's a strange requirement that you need Apple Card for this.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
It is 25 days evaluation period for bonus
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
you don't need to keep the $5000 in SoFi for 1 day, not to mention for 1 month.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Thanks for this
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Been using sofi as my main bank for about a year now due to the high rates. Everything was great until a month ago when one of my bill payments was late. I scheduled the payment with sofi to arrive...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Cannot agree more.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Fk...just got $250 last week, I'm even using them as my savings while they still have 4.60% ... Oh well.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
It starts from the day your first paycheck hits your account.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
My employer gives us two options for payroll . A check or use a app called daily pay .. could I use daily pay as the direct deposit ?
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
The short answer is no. I wanted to do that but SoFi rejected it as a source of regular income (even with regular distributions).
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Maybe you should have actually read my post, to avoid looking like an idiot.
Even if you yourself make an opening deposit, which isn't necessary, it's still possible to have two qualifying direct...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
it’s $5k direct deposit in 25 days
It’s deceiving advertising
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
my salary is $85k but my biweekly after tax and 401k is under $2500.
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Watch this video before you decide to bank with Sofi.
https://youtu.be/09tMz2_t9Qs?si=tqGMVV_L3uudYnFS
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Might be doing this offer
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Got my 300$
Love the interface. Will keep it :)
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Can do either
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Have been Sofi member for a year or two. Just wanted to point out I got an email stating my rate will go from 4.5 to 4.3 tomorrow 10/8. Not sure if this deal has something special but wanted to point...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
Why not just use Charles Schwab and put the money in SWVXX at 5.27%, or open a chase brokerage and put the money into a money market fund earning 5.15% (VMVXX) ? while using their Chase Freedom and...
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
25 evaluation period seems to be tricky here. Usually pay-check comes every 2 weeks.. I.E 28 days ..
SoFi Checking & Savings: Earn Up to 3.10% APY + $50 or $400 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+167 Score
520 Replies
681,759 Views
What about eligibility relative to previous account holders? Do they qualify? Or are they classified as "members" even if not holding any accounts? Not seeing this question raised yet. Thanks. Key...
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