U.S. SoFi Checking & Savings Account Opening [Updated 2025.03: $575 Account Opening Bonus + ITIN support].

SoFi Company and Business Introduction

SoFi (formerly Sofi Money) is an American online personal finance company currently headquartered in San Francisco. Its main activities are in the areas of personal loans, credit cards, mortgages, investment accounts, banking services and financial planning.

SoFi currently has three main businesses: SoFi money, SoFi Invest and SoFi Loan, here we will focus on SoFi money and SoFi Invest, which offer checking accounts with no monthly fee and no minimum deposit requirement. They are more popular than traditional banks.

SoFi Account Opening Bonus

SoFi currently offers$300 account opening incentives, while also stacking third-party rebate platform offers and$25 refer awards. The specific requirements are listed below:

• Receive Direct Deposit amount of at least $5000 within 30 days after opening the account
• If stacking third-party rebate offers, both offer conditions must be met

SoFi account link

official (relating a government office) $325-Apply for a link:https://www.yunjumin.com/refer/sofi

Rakuten $250 rebate offer:https://www.rakuten.com/r/MALVOL10?eeid=44971

Swagbucks $230 rebate offer:https://sbmobile.page.link/b7pC

Mypoints $230 rebate offer:https://www.mypoints.com?rb=195762256

Stacked Bonus Account Opening Method::Open the official application link first, then open the third-party offer link in a new tab on your browser and follow the process to open an account.

For those who have successfully registered, you can also leave your invite link in the comment section below.

SoFi Application Requirements

• valid passport
• SSN or ITIN
• U.S. Cell Phone Numbers
• U.S. Residential Addresses

Refer to the article:U.S. Individual Tax Identification Number ITIN Application ,US Private Address Anytimemailbox Registration

SoFi Account Opening Process

camaraderieTip:It is recommended to use real U.S. residential IP or carrier traffic such as T-mobile, ATT, etc. as well as change the U.S. time zone and English system for account opening operations.Apply using the app or mobile browser, similar to the demo application steps.

Pre-steps - Open the official link

First, in your browser, open theofficial (relating a government office) $325-Application LinkThen you need to keep this page open.

• If you want to iterate Rakuten's rewards, create a new tab on your browser and open theRakuten $350 Rebate OfferCarry out the application steps
• If you want to iterate Swagbucks rewards, create a new tab on your browser and open theSwagbucks $230 Rebate OfferCarry out the application steps
• If you want to iterate on Mypoints rewards, create a new tab on your browser and open theMypoints $230 Rebate OfferCarry out the application steps

Rebate platform offer amount will be adjusted from time to time, not in a hurry friends can wait for the history of high rewards before registering. We take Rakuten as an example to open an account demo (demo chart on does not represent the final rebate amount).

Step 1: Open the offer link

First find the SoFi introductory page in Rakuten and click (Shop Now) to jump to the official SoFi account signup page. Keep the page open and create a new tab on your browser, type or copy and paste the aboveSoFi Application Link

As shown below, click on (Open an account) and (Claim your bonus) on each of the two pages.

Step 2: Register for an account

After the jump, enter your personal information and Email (State selects the region of your U.S. address) on the page shown in the image below.

Next.

Direct Deposit Method

If you have a U.S. business account, you can choose Direct Deposit method. Most of the cloud residents do not have U.S. salary income, usually can only choose Fake Direct Deposit method to complete the deposit requirements, the following collection of several can trigger Fake DD method:

• Wise's dollar account (includes personal or business accounts), ACH with note: Payroll
• HSBC AU/UK account in USD, select Send money internationally for the transfer method and note: Payroll.
• Hang Seng (name)

Anyone who has other triggerable Fake DD cases is welcome to leave a comment!

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