Chase vs SoFi checking bonus compared

Updated November 5, 2026 · Offer data last verified 2026-11-05 · Not financial or tax advice.

Both are big-name direct deposit bonuses. Here's how they compare, from each bank's official page read 2026-10-31.

	Chase Total Checking	SoFi Checking & Savings
Bonus	$425 / $600 / $900	$50 / $400
Direct deposit needed for top tier	$10,000+	$5,000+
Window	90 days from offer enrollment	25 days from first eligible direct deposit
Payout	Within 15 days of qualifying	Within 7 business days
Deadline	Offer expires 01/27/2027	Promotion ends 12/31/2027
Eligibility	No current Chase checking; one checking bonus per 2 years	Never set up direct deposit at SoFi; one per member
Monthly fee	Waived first 2 statement periods, then applies unless waived	No account fees in our data

Bonus per dollar of direct deposit (our math)

Chase $425 on $2,500 = 17.0%
Chase $600 on $5,000 = 12.0%
Chase $900 on $10,000 = 9.0%
SoFi $50 on $1,000 = 5.0%
SoFi $400 on $5,000 = 8.0%

Bonus ÷ minimum direct deposit for each tier. Direct deposits are your own pay, which you keep; this isn't a yield on locked-up money.

Which fits you

If you can route $5,000 of pay in 90 days, Chase pays $600 vs SoFi's $400 at the same amount, and its longer window is easier to hit. SoFi's 25-day window suits a large single paycheck, and it has no account fees to watch. They're different banks, so many people do both one after the other: split or move your direct deposit, hit one, then the other.

Deep dives: Chase Total Checking bonus · SoFi checking bonus · bank bonus taxes

General information only. This isn't financial or tax advice. Offers change or end without notice, and the official terms always govern. Confirm everything on the provider's page before you act. See our disclaimer.

Sources: Chase official terms ↗, SoFi official terms ↗, read 2026-10-31.

FAQ

Is the Chase or SoFi bonus bigger?

Chase's top tier is $900 with $10,000+ in direct deposits; SoFi's top is $400 with $5,000+.

Can I get both?

They're separate banks with separate terms, so nothing in either page stops you holding both, but each has its own eligibility rules.

Which pays faster?

SoFi says within 7 business days of qualifying; Chase says within 15 days.