Not financial advice. Some links may earn us a commission. Rankings are math-only and never paid. Every offer links its source and shows when we last checked it.
7 offers · sorted by net $/day · checked Nov 4, 2026
Only payroll/pension/government ACH counts; Zelle, PayPal, Venmo, bank ACH transfers, wires and tax refunds do not. Bonus paid within 7 business days. May be reported on 1099-MISC. SoFi can end the promo any time.
Expires: Dec 31, 2026. SoFi must receive your first eligible direct deposit on or before 12/31/26. Promotion window 5/15/2026-12/31/2026.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400
Up to $350 ($200 deposit bonus + up to $150 card cash back)
$3.37net / day
Ends in 88 daysPaid in ≤104 daysHeavy lift
One qualifying direct deposit of $500+ within 34 days of opening; activate physical card within 14 days of it.
Invitation required (Chime app, text, push, email or ad) and you must enroll on that offer page. First-time Chime customers only. Full $150 cash back needs ~$500/month of eligible card spend for 90 days (10% back, $50/month cap).
Rent, bill payments, gift cards, money transfers and ATM withdrawals don't earn the cash back. Credits of $10+ reported on 1099-INT. Chime is a fintech, not a bank (accounts at The Bancorp Bank, N.A. or Stride Bank, N.A.).
Expires: Jan 31, 2027. Per the cited terms, valid 3/25/2026-1/31/2027.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $350
Also see: chime.com/350-intro-offer/ blocked our fetcher (Cloudflare) on 2026-10-26; NerdWallet's Oct 2026 roundup also lists 'Chime: up to $350'.
Referrers can earn for up to 10 referrals per calendar year. Payout timing is not stated on the help page; our day count uses the 14-day card-activation window as the lag.
Expires: No end date. Standard program, no end date published.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $100
Homepage says 'Terms apply; see full details and promotional disclosure' — we have not read that disclosure yet. Percapita is not a bank; deposits held at Sutton Bank, Member FDIC (pass-through insurance).
Expires: No end date. No end date on the homepage. Doctor of Credit (10/26/2026) reports a participant cap of 7,000 people.
Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $300
Also see: https://www.doctorofcredit.com/best-bank-account-bonuses/
SoFi Checking and Savings (friend referral) · Fintech
Verified at issuer
Last verified Nov 2, 2026
$25
$25 to the new member (+$25 more if they subscribe to SoFi Plus at $10/mo)
$0.71net / day
Ends todayPaid in ≤35 daysEasy
No direct deposit needed: deposits totaling $50+ within 25 days (ACH, direct deposit, debit-card funding, cash, mobile check or wire; P2P and FedNow don't count).
Must be your first SoFi product, opened via a friend's referral link. Can't combine with SoFi's '$20 Open Offer'.
Bonus within 7 business days of qualifying (no later than 74 days). The extra $25 requires a paid $10/month SoFi Plus subscription, so we don't count it. Whether it stacks with the $400 direct-deposit bonus isn't stated on this page.
Expires: Nov 4, 2026. Promotion period 10/1/2026-11/4/2026 11:59pm ET.
Cash parked $50 · Opportunity cost vs 4.00% savings $0.19 · Net $24.81