SoFi vs Chase: Bank Bonus Comparison
Updated April 2026 — See which bank bonus is better for you.
SoFi Checking & Savings Bonus — Up to $400
$400 bonus
- Qualifying Period
- 25 calendar days from first direct deposit
- Requirements
- Open SoFi Checking and Savings account; Receive at least one qualifying direct deposit; Maintain SoFi Checking account in good standing at time of bonus payment
- Expires
- December 31, 2026
Chase Bank Checking & Savings Bonus — Up to $900
$900 bonus
- Hold Period
- 90 days
- Qualifying Period
- 90 days for checking (direct deposit); 30 days for savings deposit
- Requirements
- Open Chase Total Checking account and receive direct deposit within 90 days; Open Chase Savings account and deposit $15,000+ in new money within 30 days; Maintain $15,000 balance in savings for 90 days; Both accounts must be opened simultaneously for $400 extra bonus; Coupon code required (one-time use)
- Expires
- July 15, 2026
Bottom Line
Chase offers a higher bonus ($900 vs $400). However, be sure to compare hold periods and requirements before deciding.