| Before | After | ||
|---|---|---|---|
| 383 | Bank Referral Program The following terms and conditions govern your participation in the SoFi Bank Referral Program (“Bank Referral Program”) during the Promotion Period (as defined below). | 383 | Bank Referral Program The following terms and conditions govern your participation in the SoFi Bank Referral Program ("Bank Referral Program") during the Promotion Period (as defined below). |
| 384 | The Promotion provides: A Standard Bonus for each qualifying referral. | 384 | The Promotion provides: • A Standard Bonus for each qualifying referral. |
| 385 | The Standard Bonus amount differs for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($50), as described in the “Standard Bonus” section below; and A SoFi Plus Additional Bonus ($25 for each party) if the Eligible Recipient also subscribes to SoFi Plus within the required timeframe described below. | 385 | The Standard Bonus amount differs for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($50), as described in the "Standard Bonus" section below; and • A SoFi Plus Additional Bonus ($25 for each party) if the Eligible Recipient also subscribes to SoFi Plus within the required timeframe described below. |
| 387 | Promotion Period August 5 , 2026 at 12:00 a.m. E.T. – September 30, 2026 at 11:59 p.m. E.T. Only referrals that satisfy all required activities during the Promotion Period will qualify for this Promotion. | 387 | Promotion Period September 17 , 2026 at 1:00 p.m. E.T. – September 30, 2026 at 11:59 p.m. E.T. Only referrals that satisfy all required activities during the Promotion Period will qualify for this Promotion. |
| 388 | Eligible Bank Referrer Requirements To be eligible for a referral bonus under this Promotion (including both the Standard Bonus and the SoFi Plus Additional Bonus), a referrer (an “Eligible Bank Referrer”) must: Share their unique referral link during the Promotion Period; and Have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment. | 388 | Eligible Bank Referrer Requirements To be eligible for a referral bonus under this Promotion (including both the Standard Bonus and the SoFi Plus Additional Bonus), a referrer (an "Eligible Bank Referrer") must: • Share their unique referral link during the Promotion Period; and • Have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment. |
| 389 | Eligible Recipient Requirements To be eligible for the Standard Bonus, an Eligible Recipient must: Apply and successfully open a SoFi Checking and Savings account prior to the end of the Promotion Period as their first SoFi product by opening the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible); and Make deposits totaling $500 or more that settle within 21 calendar days from opening the referral link and registering or logging in as a SoFi user. | 389 | Eligible Recipient Requirements To be eligible for the Standard Bonus, an Eligible Recipient must: Apply and successfully open a SoFi Checking and Savings account prior to the end of the Promotion Period as their first SoFi product by opening the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible); and Make deposits totaling $500 or more that are initiated during the 21 calendar day period beginning on the day after you register or log in as a SoFi user by opening the referral link. |
| 390 | Deposits must be made via an ACH transfer from a linked bank account, direct deposit, via “Instant Transfer” from a debit card (if available), from cash deposits, mobile check deposits (if available), or wires. | 390 | The 21-day period ends at 11:59 p.m. E.T. on the twenty first (21st) day following registration or login. |
| 391 | Deposits must be made via an ACH transfer from a linked bank account, direct deposit, via "Instant Transfer" from a debit card (if available), from cash deposits, mobile check deposits (if available), or wires. | ||
| 392 | To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all requirements for the Standard Bonus outlined above and then: Subscribe to SoFi Plus for $10/month within 21 calendar days after opening the referral link and registering or logging in as a SoFi user. | 393 | To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all requirements for the Standard Bonus outlined above and then: • Subscribe to SoFi Plus for $10/month within 21 calendar days after registering or logging in as a SoFi user through the referral link. |
| 393 | The $10/month payment for SoFi Plus must be processed and validated by SoFi within the 21 calendar day timeframe. | 394 | Your $10/month SoFi Plus payment must be processed and validated by SoFi. The 21-day period begins on the day after you register or log in as a SoFi user and ends at 11:59 p.m. E.T. on the twenty first(21st) day after registration or login. |
| 395 | Standard Bonus Once both the Eligible Bank Referrer and Eligible Recipient have met all eligibility requirements, SoFi will credit each party a cash bonus (each, a “Standard Bonus”), with the amount determined as follows: Eligible Recipient Standard Bonus: The Eligible Recipient will receive a cash bonus of: $50 into their SoFi Checking account for opening a SoFi Checking and Savings account and making deposits totaling $500 or more. | 396 | Standard Bonus Once both the Eligible Bank Referrer and Eligible Recipient have met all eligibility requirements, SoFi will credit each party a cash bonus (each, a "Standard Bonus"), with the amount determined as follows: Eligible Recipient Standard Bonus: The Eligible Recipient will receive a cash bonus of: • $50 into their SoFi Checking account for opening a SoFi Checking and Savings account and making deposits totaling $500 or more. |
| 396 | Eligible Bank Referrer Standard Bonus: The Eligible Bank Referrer will receive a cash bonus in one of the following amounts, credited into their SoFi Checking account: $100 if the Eligible Bank Referrer is a SoFi Plus Member, has received an Eligible Direct Deposit (defined below) into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits (defined below) or $75 if the Eligible Bank Referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit (defined below), or has not received $5,000 or more in Qualifying Deposits (defined below). | 397 | Eligible Bank Referrer Standard Bonus: The Eligible Bank Referrer will receive a cash bonus in one of the following amounts, credited into their SoFi Checking account. |
| 397 | SoFi Plus Additional Bonus If the Eligible Recipient subscribes to SoFi Plus for $10/month and the payment is processed and validated by SoFi within 21 calendar days after opening the referral link and registering or logging in as a SoFi user, SoFi will credit: The Eligible Recipient a $25 cash bonus (the “SoFi Plus Additional Bonus”) into their SoFi Checking account; and The Eligible Bank Referrer the SoFi Plus Additional Bonus of $25 into their SoFi Checking account. | 398 | The applicable Standard Bonus amount is determined based on the Eligible Bank Referrer's status at the time the Eligible Recipient registers or logs in as a SoFi user . |
| 399 | This timing is determined in Eastern Time (E.T.). • $100 if the Eligible Bank Referrer is a SoFi Plus Member, has received an Eligible Direct Deposit (defined below) into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits (defined below). | ||
| 400 | OR • $75 if the Eligible Bank Referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit (defined below), or has not received $5,000 or more in Qualifying Deposits (defined below). | ||
| 401 | SoFi Plus Additional Bonus If the Eligible Recipient subscribes to SoFi Plus for $10/month and the payment is processed and validated by SoFi within 21 calendar days after opening the referral link and registering or logging in as a SoFi user, SoFi will credit: • The Eligible Recipient a $25 cash bonus (the "SoFi Plus Additional Bonus") into their SoFi Checking account; and • The Eligible Bank Referrer the SoFi Plus Additional Bonus of $25 into their SoFi Checking account. | ||
| 399 | In all cases, bonus payments will be made no later than seventy-four (74) days after the applicable qualifying activities have been completed. | 403 | In all cases, bonus payments will be made no later than seventy-four (74) days after the applicable qualifying activities have been completed. • The Standard Bonus is earned after the Eligible Recipient opens a SoFi Checking and Savings account and completes deposits totaling $500 or more. |
| 400 | The Standard Bonus is earned after the Eligible Recipient opens a SoFi Checking and Savings account and completes deposits totaling $500 or more. | 404 | For the Eligible Bank Referrer, the applicable Standard Bonus amount ($75 or $100) is determined at the time the Eligible Recipient registers or logs in as a SoFi user. |
| 401 | The SoFi Plus Additional Bonus may only be earned after the Standard Bonus requirements have been satisfied and the Eligible Recipient enrolls in SoFi Plus within the required timeframe. | 405 | This timing is determined in Eastern Time (E.T.). • The SoFi Plus Additional Bonus may only be earned after the Standard Bonus requirements have been satisfied and the Eligible Recipient enrolls in SoFi Plus within the required timeframe. |
| 406 | See SoFi Referral Program Official Rules and full Bank Referral Program terms at: sofi.com/referral-program/ . | 410 | See SoFi Referral Program Official Rules and full Bank Referral Program terms at: https://www.sofi.com/referral-program/ . |
| 414 | This offer cannot be combined with the SoFi Checking and Savings “Account $20 Open Offer.” Joint Accounts Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses. | 418 | Furthermore, SoFi reserves the right to seek reimbursement from any customer of amounts paid as referral bonuses to customers who violate the terms and conditions of the referral program. |
| 419 | Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance. | ||
| 420 | This offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer." Joint Accounts Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses. | ||
| 424 | After SoFi validates the details of the Eligible Direct Deposit, Eligible Bank Referrer’s correct bonus will be paid. | 430 | After SoFi validates the details of the Eligible Direct Deposit, Eligible Bank Referrer's correct bonus will be paid. |
| 425 | Qualifying Deposits means one or more deposits, in the aggregate, totaling $5,000 or more into an Eligible Bank Referrer’s SoFi Checking and Savings account within a 31-calendar-day period. | 431 | Qualifying Deposits means one or more deposits, in the aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period. |
| 426 | Qualifying Deposits may include ACH transfers, inbound wire transfers, peer-to-peer transfers, check deposits, instant funding to Eligible Bank Referrer’s SoFi Debit Card, push payments to SoFi Debit Card, and cash deposits. | 432 | Qualifying Deposits may include ACH transfers, inbound wire transfers, peer-to-peer transfers, check deposits, instant funding to Eligible Bank Referrer's SoFi Debit Card, push payments to SoFi Debit Card, and cash deposits. |
| 427 | Qualifying Deposits do not include transfers between Eligible Bank Referrer’s own SoFi accounts (including SoFi Checking, Savings, Invest accounts, or Vaults), interest payments, bonuses issued by SoFi or its affiliates, or credits, reversals, or refunds from SoFi or a merchant. | 433 | Qualifying Deposits do not include transfers between Eligible Bank Referrer's own SoFi accounts (including SoFi Checking, Savings, Invest accounts, or Vaults), interest payments, bonuses issued by SoFi or its affiliates, or credits, reversals, or refunds from SoFi or a merchant. |
| 434 | Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. | 440 | Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.10% APY on all other Savings balances with a SoFi Plus membership. |
| 440 | Terms apply at sofi.com/terms-of-use/#sofi-plus . | 446 | Terms apply at https://www.sofi.com/terms-of-use/#sofi-plus . |
| 441 | See additional rates and information at: sofi.com/legal/banking-rate-sheet . | 447 | See additional rates and information at: http://www.sofi.com/legal/banking-rate-sheet . |
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