Active direct deposit earns you our highest APY across both your SoFi Checking and Savings accounts, which is 50x the national average. And to learn what qualifies as a valid direct deposit go here.
SoFi Checking and Savings Members without active direct deposit will still earn a competitive APY.
NOTE: There is no minimum direct deposit amount required to earn our highest APY or for 2-Day Early Paycheck, however, we do require $1,000 of monthly direct deposit inflows to unlock No-Fee Overdraft Coverage.