Thank you for your interest in SoFi Bank and we are thrilled you are considering us for your financial services.
While we would love to make an exception to be able to provide you with the 4.00% APY on your Savings & Vaults balances and 1.20% APY on your Checking balances, without active direct deposit, we are unable to do so at this time. Please feel free to check back in the future as we are constantly iterating and changing.