SoFi Checking & Savings vs Chase Total Checking
These two are close enough that neither is clearly better. Pick the one whose requirement you can actually satisfy this month, and do the other one next.
| SoFi Checking & Savings | Chase Total Checking | |
|---|---|---|
| Bonus | $50 - $400 | $400 |
| Requirement | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. | Direct deposit $1,000 within 90 days of opening. |
| Direct deposit | Required | Required |
| Money tied up | None | None |
| Hold period | No hold | No hold |
| Effective APY | Not applicable | Not applicable |
| Payout | 2-4 weeks after DD posts | ~15 days after DD |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |