Last verified 3 October 2026 · By Puneet Sharma

US fintech bonuses: verified terms and review status

These four provider pages separate verified public terms from account-specific offers. SoFi and Chime have documented deposit requirements, Wise's benefit varies by region and account, and Coinbase's US first-buy reward is random Bitcoin rather than fixed cash.

Provider	Benefit	Main requirement	Timing	Last checked
SoFi	Up to $400; $50 lower tier	Eligible recurring direct deposits in 25 days	31 Dec 2026 first deposit deadline	3 Oct 2026
Chime	Standard new-customer $100; inviter reward varies	Single $200 qualifying deposit and card activation	45 days for deposit; 14 days for card	3 Oct 2026
Wise	Region/account-specific discount	Use the applicable invite link and quote	Voucher generally 6 months	3 Oct 2026
Coinbase	Random Bitcoin incentive, not fixed cash	New US user; first single crypto buy at least $50	Up to 1 year, possibly shorter	3 Oct 2026

How is this list ordered?

Providers are grouped by product: bank accounts first, then transfer and crypto services. This is an index, not a best-product ranking. Commission does not determine placement.

What does verified mean here?

The source was read on 3 October 2026. The provider can change the offer or reject ineligible activity. Review labels stay attached to unresolved pages. Account-specific rewards must be checked in the reader's own signup flow.

Which pages are included?

The bank hub covers SoFi and Chime. Wise is a money-transfer offer page, not a bank-bonus recommendation. The crypto hub links to Coinbase and a guide explaining why a converter estimate is not an executable trade quote.

Official sources

SoFi · checked 3 October 2026
Chime · checked 3 October 2026
Wise · checked 3 October 2026
Coinbase · checked 3 October 2026