SoFi Technologies

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KEY POINTS Our highlighted pick this week: CIT Platinum Savings offer ends soon! Earn a bonus of at least $225 after a one-time deposit of $25,000+.Requirements to earn: Most bonuses involve direct deposit or a minimum savings balance.Updated weekly: We sift through banks each week to find the highest-value offers for you. Fancy a pile of free money in exchange for switching banks?We can help with that. Each week, we sort through dozens of banks to find the easiest (and best) new account bonuses. We feature solid deals with simple requirements like setting up a direct deposit or a savings transfer.This week we highlight the CIT Platinum Savings bonus. While it's not the easiest bonus to earn, with a minimum deposit requirement of $25,000 and at least $50,000 required to earn the full amount, you can snag up to $300 if you qualify and use code PS2025 upon account opening. But if this bonus catches your eye, act quickly -- this promotion ends on May 27, 2025.This list is updated weekly, because the best offers don't stick around forever. Always review the fine print -- and if something fits your goals, don't wait too long to grab it! Top 6 bank bonuses this week CIT Platinum Savings: Up to $300 bonus SoFi Checking and Savings (Member FDIC): Up to $300 bonus Chase Total Checking®: $300 bonus Discover® Cashback Debit: Up to $360 per year Discover® Online Savings: $200 bonus BMO Smart Advantage Checking: $400 bonus What to know about bank bonusesBank bonuses can be a quick and easy way to earn extra cash -- sometimes a few hundred dollars with minimal effort.But to get the reward, you'll need to follow the rules closely. Most deals ask you to set up a direct deposit, often from your paycheck or government benefits, and complete a few simple tasks like funding the account or using your debit card. Miss a step, and you could lose the bonus.Keep in mind that these offers are considered taxable income. If your bonus is over $10, expect a 1099-INT at tax time. Still, if you're already thinking of switching banks, a bonus can make the move more rewarding.How to qualify for a bank bonusQualifying for a bank bonus usually isn't hard, but you'll need to follow the steps carefully. Most offers start with setting up a direct deposit -- typically from your job or government benefits -- within a specific time frame, often 30 to 90 days.Some bonuses, especially for savings accounts, may require a larger deposit that stays in the account for a few months. Others might just ask you to use your debit card or pay a few bills online.Every deal is a little different, so take time to read the fine print and make sure the requirements fit comfortably within your budget.What to watch out forBefore signing up for a bank bonus, make sure you understand the fine print. Some banks charge monthly fees unless you meet certain conditions, like setting up direct deposit or keeping a minimum balance. Others may not pay out if you've had an account with them in the past year or two.Even if you meet all the requirements, it can take up to 90 days to receive your bonus. So it's smart to know what you're getting into ahead of time. We've made things easier by focusing on straightforward offers from well-known banks -- no tricky hoops to jump through.Offer ends soon! Don't miss out on this limited-time bonusWhile it's not easy to earn, the CIT Platinum Savings bonus could prove quite lucrative for the right account holder.If you've been looking for a new bank with a high APY, want to take advantage of a generous bonus, and have a large amount to transfer, this account just might be perfect for you. The CIT Platinum Savings pays 4.10% APY for balances of $5,000 or more, allowing your savings to grow over time. Get it before May 27 when the offer expires -- apply for a CIT Platinum Savings account now. Our Picks for the Best High-Yield Savings Accounts of 2025 Product APY Min. to Earn SoFi Checking and Savings Member FDIC. APY up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. Min. to earn $0 Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC. up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. $0 Open Account for SoFi Checking and Savings On SoFi's Secure Website. American Express® High Yield Savings Account Member FDIC. APY 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings Account On American Express's Secure Website. Member FDIC. 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. $0 Open Account for American Express® High Yield Savings Account On American Express's Secure Website. Western Alliance Bank High-Yield Savings Premier Member FDIC. APY 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Member FDIC. 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Sources https://www.cit.com/cit-bank/platinum-savings/PS2025https://www.sofi.com/banking/checking-offer/https://account.chase.com/consumer/banking/PJ97924https://www.discover.com/online-banking/checking-lp-lng-01/https://www.discover.com/online-banking/savings-lng-04/https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/ FAQs What counts as a qualifying direct deposit? Typically, it's a paycheck, government benefit (like Social Security), or other ACH transfer from an employer. Some banks are strict, while others are more lenient and accept transfers from other financial institutions. It's always smart to check the exact terms in the bonus offer. Will a bank bonus affect my credit score? Most of the time, no. Opening a bank account may involve a soft pull or identity check, but it usually doesn't trigger a hard credit inquiry. That said, if the bank offers overdraft protection linked to a credit line, a hard pull might happen -- but that's rare. Do I need to close my old account to earn a bonus? Nope! Most bank bonuses only require you to open a new account. You usually don't need to close your existing one. Just be sure to check the fine print, because some banks may exclude you if you've had an account with them in the past six to 12 months.» Mehr auf fool.com

SoFi Technologies' (SOFI -0.72%) management team revealed insights that are beneficial to shareholders.» Mehr auf fool.com