Earn 1.20% APY on SoFi Checking and Savings if you don't have qualifying activities.Earn 4.60% APY on savings balances (Vaults included) and 0.50% APY on checking balances if you set up direct deposit or deposit minimum $5,000 per month.Earn up to 15% cash back on local retailers when you use a SoFi debit card Retailer information is available through online banking.Free access to 50,000+ Allpoint ATMs worldwide.It indicates a confirmation of your intended interaction. No-fee overdraft coverage if you overdraw up to $50 Earn up to 15% cash back at local retailers if you use a SoFi debit card Up to $250 bonus with qualifying direct deposit (terms apply) Earn a higher interest rate with qualifying activities