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2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 10/20/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.


Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.


Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.


Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility. See additional details at https://www.sofi.com/legal/banking-rate-sheet.


SoFi Bank, N.A. NMLS #696891, Member FDIC

SoFi Lending Corp. NMLS #1121636

234 1st Street, San Francisco, CA 94105

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SoFi Invest Smart Money Move Sweepstakes

4 days ago · Updated

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Timeframe

November 3, 2026, at 12:01 a.m. ET through November 23, 2026, at 11:59 p.m. ET.

Offer

The SoFi Invest Smart Money Move Sweepstakes offers eligible entrants a chance to win one of six prizes.

  • One Grand Prize: $75,000 deposited into the winner’s SoFi Invest account plus one year of Financial Planning Services from SoFi Wealth LLC.
  • Five First Prizes: $5,000 deposited into each winner’s SoFi Invest account.
  • NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN.

How to Enter

You may enter using one of the following two methods:

  • Open a new SoFi Active (Self-Directed) Taxable Invest Account:
    • Visit the SoFi Invest Smart Money Move Sweepstakes page during the Sweepstakes Period.
    • Apply for, open, and fund a new SoFi Active (Self-Directed) Taxable Invest Account with at least $50.
    • Receive one entry upon completion (new users only; additional account openings are ineligible).
  • Alternate Method of Entry:
    • During the Sweepstakes Period, legibly hand-print your full name, state of residence, email address, and age on a plain 3 x 5 inch paper or card.
    • Mail each entry separately in a hand-addressed, properly stamped envelope to: Realtime Media, Attn: SoFi Invest Smart Money Move Sweepstakes Entry (13251), 2460 General Armistead Ave, STE 209, West Norriton, PA 19403.
    • Mail-In Entries must be postmarked by November 23, 2026, and received by November 30, 2026.

Limit one entry per person and one entry per household during the Sweepstakes Period, regardless of method of entry.

Payout

  • Grand Prize: One winner receives $75,000 deposited into their SoFi Invest account plus one year of Financial Planning Services provided by SoFi Wealth LLC. The Financial Planning Services must be activated within 30 days of prize verification.
  • First Prizes: Five winners each receive $5,000 deposited into their SoFi Invest account.
  • Drawing: On or about December 1, 2026, the Administrator will conduct a random drawing to select one potential Grand Prize winner and five potential First Prize winners.
  • Fulfillment: SoFi will transfer cash prize winnings to verified winners’ SoFi Invest accounts within 30–60 days after the Administrator verifies the winner.
  • Winners must have or create a SoFi Invest Self-Directed Brokerage Account within 60 days of verification to receive a prize. If a winner entered by mail, they must open a SoFi Invest account to receive the prize.

    • Eligibility

    The Sweepstakes is open only to legal residents of the 50 United States, Puerto Rico, and the District of Columbia who are at least 18 years old at the time of entry (19 in Alabama and Nebraska).


    Terms and Conditions: View the SoFi Invest Smart Money Move Sweepstakes Official Rules.

    • A purchase or payment of any kind does not increase your chances of winning.
    • Odds of winning depend on the total number of eligible entries received.
    • Potential winners are notified by email and must sign and return the required Declaration within three days of notification.
    • Prizes are non-transferable, with no substitutions except at Sponsor’s sole discretion.
    • Limit one prize per person and per household.
    • All disputes will be resolved solely by binding arbitration; entrants waive the ability to bring claims in a class action format.

    Important Tax Information

    • SoFi complies with all applicable tax reporting requirements.