Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.

Affiliate Disclaimer: Some links on this site are affiliate links. If you make a purchase through them, we may earn a small commission (at no additional cost to you). See our official affiliate disclosure for more details.

This Bank Account Pays Me Just for Using It — Here’s How Much I’ve Earned

I used to think banks only *took* your money — monthly fees, overdrafts, you name it. Then I discovered SoFi Banking, and it completely flipped my expectations.

Not only does SoFi pay up to $325 just for switching — they also give you 3.80% APY on savings, no monthly fees, and early paycheck deposits.

Here’s What I Earned

That’s $344.47 total — just for using a smarter bank account.

Why It’s Better Than My Old Bank

• No overdraft, monthly, or minimum balance fees
• 55,000+ fee-free ATMs
• Early paycheck deposits (up to 2 days sooner)
• Insured up to $2M across partnered banks

Bonus: Stack More Free Money

If you’re serious about building wealth without hustle, pair SoFi with these two apps:

• 📲 FreeCash — Get paid to test apps, surveys, and games (I made $75 in a weekend)
• 🌱 Acorns — Automatically invest spare change + $5 bonus to start

Final Thoughts

If your current bank is charging you fees or giving you nothing in return — it’s time to break up.

SoFi pays you to bank smarter. And it’s been one of my easiest money wins all year.