Credit card welcome offers often get the spotlight, but many banks are willing to pay you to open a new deposit account, too.
Checking accounts tend to have the biggest incentives. For example, Chase Private Client CheckingSM is offering a bonus of up to $3,000, while Wells Fargo Everyday Checking kicks in $325 for eligible new customers. Some savings accounts come with bonuses, as well. You can earn up to $900 by opening a Chase Savings account alongside a Chase Total Checking® account.
We've rounded up the best bank account bonus offers available right now, with details on how to qualify, when you'll receive your bonus and when each offer expires.
Best bank account bonuses
- HSBC Premier Checking: Up to $3,000 bonus
- Chase Private Client Checking: Up to $3,000 bonus
- Chase Savings and Total Checking: Up to $900 bonus
- Bank of America Advantage Checking: Up to $500 bonus
- U.S. Bank Smartly Checking: Up to $450 bonus
- E*TRADE Premium Savings Account: $400 bonus
- SoFi® Checking and Savings: Up to $400 bonus
- PNC Bank Virtual Wallet: Up to $400 bonus
- Citi Checking: $325 bonus
- Wells Fargo Everyday Checking: Up to $325 bonus
- Capital One 360 Checking: $250 bonus
HSBC Premier Checking: Up to $3,000 bonus
- Travel-friendly perks like no fees for foreign transactions or out-of-network ATMs, global emergency assistance
- Access to a dedicated financial adviser
- Monthly service fee is waived if you maintain account requirements
- Access to HSBC Premier World Mastercard.®
- High minimum balance requirement
- $50 monthly maintenance fee
- Low APY on interest-bearing account
*How to earn up to $5,000. 1. Open a new HSBC Premier Checking account and deposit the following amounts to earn a cash bonus:
- Deposit $150,000–$249,999 to earn a $1,500 bonus;
- Deposit $250,000–$499,999 to earn a $2,500 bonus;
- Deposit $500,000–$999,999 to earn a $3,500 bonus;
- Deposit $1,000,000 or more to earn a $5,000 bonus;
Deposits can be spread across HSBC accounts, including Premier checking, Premier savings, Premier Relationship Savings, Managed Portfolio or eligible Spectrum accounts. The offer is open to new customers who open a Premier checking account by Aug. 31, 2026, add the required deposits or investments within 20 days and maintain their balances for three full consecutive months. (You must also remain opted-in to HSBC marketing emails.)
The bonus will be paid within eight weeks of completing all of the offer requirements.
How do you qualify for the bonus? Deposit the required minimum into a new HSBC Premier Checking account within 30 days of account opening and maintain the balance for three full consecutive months. You must also remain opted in to receive HSBC marketing emails.
The amount of your bonus depends on how much you deposit or invest:
- $1,000 bonus: $50,000–$99,999
- $1,500 bonus: $100,000–$249,999
- $2,000 bonus: $250,000–$499,999
- $3,000 bonus: $500,000 or more
Qualifying deposits and investments can be held across eligible HSBC accounts, including Premier checking, Premier savings, Premier Relationship Savings, Managed Portfolio and eligible Spectrum accounts.
When will you receive your bonus? If you meet all the eligibility requirements, the bonus should be paid within eight weeks.
When does the offer expire? Dec. 31, 2026.
Chase Private Client Checking: Up to $3,000 bonus
Chase Private Client Checking℠
Annual Percentage Yield (APY)
0.01% APY (effective as of 03/20/2026)
Minimum balance
None, although customers who work with a J.P. Morgan Private Client Advisor generally intend to invest $100,000 or more.
Monthly fee
$35 (can be waived with an average beginning day balance of $150,000+)
Free ATM network
More than 15,000 Chase ATMs
ATM fee reimbursement
Chase will refund ATM fees charged by the ATM owner/network
Overdraft fee
N/A
Mobile check deposit
Yes
Terms apply.
Pros
- Potential interest rate discounts on mortgages and auto loans
- Access to a dedicated banker and a J.P. Morgan Client Advisor
- Invitations to cultural, sports and J.P. Morgan thought-leadership events
- Out-of-network ATM fees are reimbursed by Chase
Cons
- Intended for customers intending to invest $100,000 or more
- $35 monthly fee requires $150,000 average daily balance to waive
- Only earns 0.01% APY
How do you qualify for the bonus? Open or upgrade to a Chase Private Client Checking account, make qualifying new money deposits within 45 days and maintain the qualifying balance in the account for at least 90 days from your enrollment date.
- $1,000 bonus: Deposit $150,000 to $249,999
- $2,000 bonus: Deposit $250,000 to $499,999
- $3,000 bonus: Deposit $500,000 or more
When will you receive your bonus? Within 40 days of completing the enrollment requirements.
When does the offer expire? Oct. 14, 2026.
Chase Savings and Total Checking: Up to $900 bonus
Chase Savings
Annual Percentage Yield (APY)
0.01% APY
Minimum balance
None ($300+ daily balance will waive maintenance fee)
Monthly fee
$5 (can be waived)
Maximum transactions
None
Excessive transactions fee
None
Overdraft fee
None
Checking account
Yes
ATM card
Yes, with access to more than 14,000 ATMs and 5,000 branches
Terms apply.
Pros
- No minimum opening deposit or balance requirement
- Monthly fee can be waived if you have $300 daily balance, $25 in direct deposits or for are under 25
- New account holders may be eligible for a cash bonus
Cons
- Very low APY.
- $5 monthly maintenance fee if you don't meet waiver requirements.
- No minimum deposit to open an account
- Access to over 4,700 branches and 15,000+ ATMs nationwide
- Monthly service fee can be waived by meeting direct deposit or minimum balance requirements.
- Overdraft assistance available
- No APY
- $34 overdraft fee
- No reimbursement for out-of-network ATM fees
How to avoid the monthly fee:
- Electronic deposits made into this account totaling $500 or more,
- or a balance at the beginning of each day of $1,500 or more in this account
- or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances
Information about Chase Total Checking® has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
How do you qualify for the bonus? Open a new Chase Savings and earn $200 when you deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment. Maintain your new money for 90 days from offer enrollment to have bonus added to account within 15 days.
Open a Chase Total Checking account and make direct deposits totaling $1,000 or more within 90 days of offer enrollment to earn $300.
Open a new Chase Total Checking and a new Chase Savings account and get $900 when you open both at the same time and complete qualifying activities.
When will you receive your bonus? According to Chase, you should receive the bonus within 15 days after completing all of the required activities, including balance maintenance periods.
When does the offer expire? Oct. 14, 2026.
Bank of America Advantage Checking: Up to $500 bonus
How do you qualify for the bonus? Open a qualifying Advantage Plus Banking® or Advantage Relationship Banking® account and receive qualifying direct deposits within 90 days of account opening.
- To earn $100 bonus: Direct deposits totaling $2,000 to $4,999
- To earn $300 bonus: Direct deposits totaling $5,000 to $9,999
- To earn $500 bonus: Direct deposits totaling $10,000+
When will you receive your bonus? Bank of America will typically deposit your bonus within 60 days of completing the promotional requirements.
When does the offer expire? Sep. 30, 2026.
U.S. Bank Smartly Checking: Up to $450 bonus
U.S. Bank Smartly® Checking
Annual Percentage Yield (APY)
None
Minimum balance
$25 minimum deposit
Monthly fee
$6.95 monthly service fee, with options to waive
Free ATM network
4,700 U.S. Bank ATMs
ATM fee reimbursement
None
Overdraft fee
Consumer checking accounts assessed an Overdraft Paid Fee may qualify for a fee waiver
Mobile check deposit
Yes
Terms apply.
Pros
- Low minimum deposit
- Options to waive monthly fee
- Overdraft assistance
Cons
- No APY
- $25 minimum deposit
- Monthly fees, but there are options to waive
- No reimbursement for out-of-network ATM fees
How do you qualify for the bonus? Open a new U.S. Bank Smartly® Checking account and complete two or more qualifying direct deposits of at least $25 within 90 days.
- $250 bonus: Total direct deposits of $2,000 to $4,999.99
- $350 bonus: Total direct deposits of $5,000 to $7,999.99
- $450 bonus: Total direct deposits of $8,000 or more
The account must remain funded with at least $25 for 30 days after account opening. You cannot have had a U.S. Bank consumer checking account or received a U.S. Bank bonus offer in the last 12 months.
When will you receive your bonus? Funds will be credited to your account within 30 days of verification and enrollment of your direct deposit.
When does the offer expire? Sep. 8, 2026.
E*TRADE Premium Savings Account: $400 bonus
- Cash bonus available if you meet deposit requirements
- Bonus APY available for the first six months
- No account fees
- No minimum deposit requirement
- High deposit minimum for cash bonus and promotional APY
- No ATM card
- No branch access
How do you qualify for the bonus? To earn your $400 incentive, open a new E*TRADE Premium Savings Account using promo code SAVING26 and deposit at least $20,000 in new money within 30 days. You must also maintain an average daily balance of at least $20,000 for an additional 45 days after the funding period.
New account holders who meet the enrollment requirements also enjoy a 4.00% promotional APY (then 3.50% APY) for the first six months. After the promo period ends, the account reverts to E*TRADE's standard variable APY.
When will you receive your bonus? According to E*TRADE, bonuses are typically paid within 30 days of the end of the 45-day maintenance period (i.e., within 105 days of account opening).
When does the offer expire? Sep. 30, 2026.
SoFi Checking and Savings: Up to $400 bonus
- Earn a cash welcome bonus just for setting up direct deposit, giving you a head start on your savings goals.
- Unlock a competitive APY on your savings with direct deposit, so your money works harder without any extra effort.
- No minimum balance or monthly fees means you keep more of what you earn, regardless of your account balance.
- Get your paycheck deposited up to 2 days early with direct deposit, so you’re never waiting on funds you’ve already earned.
- Roundups automatically save your spare change with every purchase, and Vaults let you organize savings toward specific goals.
- Comes with a checking account, ATM access and no foreign transaction fees
- FDIC insured up to $3 million through the SoFi Insured Deposit Program,* offering far more protection than the standard $250,000 limit.
- Savings APY drops significantly without direct deposit, so you’ll earn less if you don’t use it as your primary bank.
- Out-of-network ATM fees aren’t reimbursed, which could add up if you frequently use cash.
- No physical branches, so customer support is entirely online or by phone.
How do you qualify for the bonus? Open a SoFi Checking and Savings account and set up direct deposit within the first 25 days. You must keep the account open for at least 14 days.
- $50 bonus: Direct deposit of $1,000 to $4,999.99
- $400 bonus: Direct deposit of at least $5,000
When will you receive your bonus? According to SoFi, you should receive your payout within seven business days following the 25-day enrollment period.
When does the offer expire? Dec. 31, 2026.
PNC Bank Virtual Wallet: Up to $400 bonus
Virtual Wallet® from PNC Bank
Annual Percentage Yield (APY)
Up to 4.00% APY on select Virtual Wallet Growth accounts with relationship rates
Minimum balance
Varies depending on Virtual Wallet account
Monthly fee
Ranges from $7 to $25 depending on Virtual Wallet account, with options to waive
Maximum transactions
Up to 6 free withdrawals or transfers per statement cycle
Excessive transactions fee
None
Overdraft fee
Overdraft protection offered by your Reserve and Growth accounts
Offer checking account?
Yes
Offer ATM card?
Yes, if have a PNC Bank checking account
Terms apply.
Pros
- Earn a welcome bonus of up to $400 just for setting up direct deposit, with the bonus amount scaling based on which Virtual Wallet tier you choose.
- Virtual Wallet combines checking and savings accounts that work together, with built-in tools like Money Bar® and Danger Days℠ to help you budget and avoid overdrafts.
- Two layers of automatic overdraft protection transfer funds from your Reserve and Growth accounts before any fees kick in — no setup required.
- Earn cash back or points on debit card purchases through the PNC Purchase Payback® program, with offers tailored to your shopping habits.
- Non-network ATM fees are reimbursable, giving you flexibility beyond PNC’s nearly 60,000 ATMs.
- Monthly maintenance fees can be waived by meeting minimum balance requirements.
- Higher APY relationship rates are available depending on your account tier.
Cons
- Has monthly maintenance fees
- Have to call PNC Bank to find out APY offered in your area
How do you qualify for the bonus? To earn a $100 bonus, open a PNC Virtual Wallet® account and make qualifying direct deposits of at least $500. To earn $400, open a Virtual Wallet with Performance Select account and make qualifying direct deposits of at least $5,000.
When will you receive your bonus? According to PNC, the bonus will be credited 60 to 90 days after you have met all the eligibility requirements.
When does the offer expire? Jan 7, 2026.
Citi Checking: $325 bonus
Citi® Checking Accounts
Monthly maintenance fee
Access Checking has a $5 monthly service fee and Regular Checking has a $15 monthly service fee. Both have options to waive.
Minimum opening deposit
None
Minimum balance
No minimum balance requirements. Accounts with a zero balance for 90 calendar days are subject to closure.
Annual Percentage Yield (APY)
None
Free ATM network
Access to more than 2,300 Citibank ATMs and over 60,000 other surcharge-free ATMs in the U.S.
ATM fee reimbursement
None
Overdraft fee
$0
Mobile check deposit
Yes
*Terms Apply.
You may be eligible for a cash bonus when you complete required activities - click here for details.
Pros
- No overdraft fees.
- Access to over 60,000 surcharge-free ATMs nationwide
- No minimum deposit to open an account
- Monthly maintenance fees can be waived
- Top-rated mobile app
Cons
- No APY on checking balances
- No reimbursement for out-of-network ATM fees
How do you qualify for the bonus? To receive a $325 bonus, open a new Citi® Checking account and make at least two qualifying enhanced direct deposits totaling $3,000 within 90 days. The offer's available online only by applying directly from this special offer page.
When will you receive your bonus? Citibank will deposit your cash bonus within 90 to 120 days of opening the account, provided you fulfill the enrollment requirements.
When does the offer expire? Oct. 26, 2026.
Wells Fargo Everyday Checking: Up to $325 bonus
- Four different ways to waive the $15 monthly maintenance fee, giving you more flexibility to avoid it than most checking accounts.
- Send and receive money with Zelle® directly from your account.
- Easy-to-use mobile app makes managing your finances straightforward from anywhere.
- $25 minimum deposit to open an account, so getting started doesn’t require a large upfront amount.
- $35 overdraft fee applies, with a maximum of three fees per day, meaning overdraft charges could cost you up to $105 in a single day.
- No APY, so your money won’t earn interest sitting in the account.
- No reimbursement for out-of-network ATM fees, so it may be worth planning withdrawals around Wells Fargo’s 13,000 ATMs when possible.
How to avoid the monthly fee:
- Maintain $500 in combined minimum deposit balances,
- or make qualifying direct deposits totaling $500 or more,
- or be between 17 - 24 years old
- or have a linked Wells Fargo Campus ATM Card or Campus Debit Card (for college students)
How do you qualify for the bonus? To earn $325, open a Wells Fargo Everyday Checking account with a minimum opening deposit of $25 and make at least $1,000 in qualifying direct deposits within 90 calendar days of account opening.
When will you receive the bonus? Wells Fargo will typically deposit your bonus into your account within 30 days after the 90-day qualification period ends.
When does the offer expire? Oct.13, 2026.
Capital One 360 Checking: $250 bonus
- Earns 0.10% APY on all balances
- No minimum opening deposit
- No overdraft fee or foreign transaction fee
- 750 physical branches and 60 Capital One cafés
- Get your direct deposits up to two days early
- Over 72,000 fee-free ATMs via Capital One, Allpoint and MoneyPass networks
- Out-of-network ATM fees aren’t reimbursed
- Physical branches limited to nine states and Washington, D.C.
How do you qualify for the bonus? Open a Capital One 360 Checking account using offer code CHECKING250 and receive at least two qualifying direct deposits of $500 or more each within 75 days of account opening.
When will you receive the bonus? According to Capital One, bonuses are typically deposited into accounts within 60 days after completing the required steps.
When does the offer expire? Not listed.
How do bank account bonuses work?
Banks usually give cash bonuses to customers who have not had a deposit account within a set period, usually 12 months.
Other eligibility requirements may include:
- Opening the account before the promotion expires
- Meeting a minimum amount in direct deposits within a certain number of days of account opening
- Making a minimum number of direct deposits or performing other qualifying transactions
- Depositing "new money" (funds from outside the bank)
- Maintaining a specific balance during the promotional period
The bonus is usually deposited into your account once the promotional period has passed.
If you were thinking of opening and closing an account quickly to score the bonus, you usually have to maintain a balance for 60 to 90 days. In addition, there may be an early closure fee if you close the account too soon after receiving the bonus.
How to choose a bank account bonus
When considering a bank account bonus, there's more to look at than just the dollar amount.
- Minimum deposit: Is the amount you need to deposit to qualify for the bonus feasible for your budget and liquidity?
- Direct deposit requirement: Many bonuses require a direct deposit of a certain amount within a specific timeline. Eligible sources include paychecks, pensions, Social Security and other income electronically deposited by an employer or outside agency.
- Account balance requirement: Most bonuses require a minimum account balance for up to 90 days or longer. Make sure you can afford to leave the required amount in the account long enough to earn the bonus.
- Fees: Consider monthly maintenance fees or other charges that could offset the bonus.
- Other account features: Ideally, this is a new account that will meet your needs for years to come. Look for benefits like earning interest, a large fee-free ATM network, convenient branch locations, mobile banking and other financial products you may use.
To estimate the annualized return of a bank account sign-up bonus, divide the bonus amount by the required deposit, then multiply by the number of holding periods in a year. This gives you an effective annualized return that you can compare with the account's APY, monthly fees and withdrawal restrictions.
Example: A $300 bonus that requires a $10,000 minimum deposit held for three months:
- $300 ÷ $10,000 = 3% return over three months
- 12 months ÷ 3 months = 4
- 3% × 4 = 12% annualized return
Keep in mind that this is a simplified annualized return. It doesn't account for taxes, compounding or any interest the account pays in addition to the bonus.
Regardless of the sign-up bonus, a good checking or savings account should also offer long-term value through competitive rates, low fees and features that fit your banking needs.
Are bank account bonuses worth it?
Yes, bank account bonuses are often worth it. Unlike credit card rewards, they're typically cash incentives, so they're easy to use. The key is making sure the effort required to receive the bonus doesn't force you to tie up money that you need readily available or that would change your financial habits in costly ways.
A $300 bonus for opening a checking account and setting up direct deposit will give you a much higher return than you'd earn by leaving that money in a savings account for a few months.
On the other hand, if you have to leave $25,000 in a checking account earning zero interest for six months to get that $300, you should investigate how much that money could otherwise earn in a high-yield savings account or CD.
When a sign-up bonus may be worth it
Bank account bonuses can offer an excellent return for relatively little risk. Here's when they're worth it:
- Maintaining the account balance requirement won't hurt your budget.
- You already receive payroll direct deposit and were planning to use a checking account anyway.
- You're eligible for other benefits, such as an elevated APY or a discount on a loan interest rate.
When a sign-up bonus may not be worth it
A bonus may become less attractive if:
- The direct deposit or transaction requirements are difficult for you to meet.
- You have to keep a large balance that could earn more elsewhere.
- The account charges monthly fees that you can't avoid.
Bank account bonus pros and cons
Run through this checklist before taking advantage of any new sign-up bonus:
Pros
- Free money. Even if you have to pay taxes on it, a few hundred dollars can help pay down debt or fatten your emergency fund.
- Easy to use. Unlike card rewards, which can have complicated rules and blackout dates, these bonuses are straight-up legal tender.
- May come with other perks. Some banks will offer a higher APY on the checking account or cash back on a linked credit card.
Cons
- Complicated eligibility requirements. Banks usually put strict rules in place to prevent customers from quickly opening and closing accounts. You'll need to deposit a minimum amount and leave it in your new account for several months.
- Poor account offerings. A hefty bonus can trick you into opening an account with lots of fees, little or no interest, a limited ATM network or other red flags.
- Bonuses are taxable. Bank account bonuses are taxable income, so a slice of what you receive will have to be given to the IRS.
FAQs
How long does it take to get a bank account bonus?
Banks usually require a minimum deposit to be held in the new account for a set period before issuing your bonus, but the number of days varies by institution and offer. When possible, we've listed how long it will take before you can expect to receive your money.
Can I close the account after I get my bonus?
Most banks have requirements about keeping the account open for a certain amount of time. There may be a penalty for closing your account immediately after earning your cash incentive, or you may need to repay the bonus. Review your terms and conditions or ask the financial institution about its policies.
Which banks are offering bonuses for opening a checking account?
Many brick-and-mortar and online banks offer cash bonuses for opening a new checking account, including Bank of America, Chase, Citibank, SoFi and TD Bank. Most require you to receive qualifying direct deposits and keep the account open for a minimum number of days. Existing bank customers are usually excluded from these offers.
Will opening a bank account to get a bonus hurt my credit?
Unless the bank performs a hard inquiry, opening a deposit account generally does not impact your credit score. But banks often use services like ChexSystems to review an applicant's banking history. Opening too many accounts in a short period — or "bank bonus churning" — may make it harder to qualify for new accounts.
Do I have to pay taxes on a bank account bonus?
Yes, in most cases, a cash bonus is considered taxable interest income by the IRS. If a bank gives you a $300 bonus for opening a checking account, for example, you need to report $300 as interest income on your tax return that year. If the bonus is $10 or more, your bank should send you a Form 1099-INT or 1099-MISC before taxes are due. Even if it doesn't, though, you still need to declare the bonus. The amount of tax you need to pay on the bonus depends on your tax bracket and effective tax rate for that year.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every banking article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of deposit accounts. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
The CNBC Select Recommends newsletter delivers practical money tips each week along with expert-picked financial product recommendations. Sign up here.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
Read more
* New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/ *SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn up to 3.10% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.10% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. *SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor 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 $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. *Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC. *Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
