How much is the SoFi Checking & Savings bonus actually worth?
The headline number is $50 - $400. Counting the money you tie up and the time the requirements take, it works out to about $686/hr per hour of your own time.
Route one paycheck of $5K, pocket $400. No balance lock, no gimmick.
The numbers, in full
| Payout | $50 - $400 |
|---|---|
| What it takes | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. |
| Direct deposit needed | Yes |
| Money tied up | $5,000 |
| Time committed | 90 days |
| Effective APY | 32.4% |
| Per hour of your time | $686/hr |
| When it pays | 2-4 weeks after DD posts |
| Offer ends | Dec 31, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$5,000 committed for about 90 days pays $400, which annualizes to 32.4%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 97.3% | |
| 45 days | 64.9% | |
| 60 days | 48.7% | |
| 90 days | 32.4% | The offer's own stated window |
| 120 days | 24.3% | |
| 180 days | 16.2% | |
| 270 days | 10.8% | |
| 365 days | 8.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
What it is worth
Same question, different offer.
- How much is the Fifth Third Momentum Checking bonus actually worth?$350
- How much is the Capital One 360 Checking bonus actually worth?$250
- How much is the Chase Total Checking bonus actually worth?$400
- How much is the Webull Brokerage / IRA bonus actually worth?Up to $160 + 12 shares
- How much is the PNC Virtual Wallet bonus actually worth?Up to $400
- How much is the Bank of America Business Advantage Banking bonus actually worth?Up to $750
Get the changes by email
One free weekly email when offers change, die, or a better one shows up. No spam, unsubscribe anytime.