Here's the play 1. Sign up to SoFi Bank (takes 3 mins) by using my referral link: https://www.sofi.com/invite/money?gcp=d1fc33f3-13b3-4e2b-bae7-803a553271ab&isAliasGcp=false 2.Right after you sign up you have to fund your SoFi bank account with $50 (use a debit card for instant deposit) 3.15 mins after you add $50 in your SoFi account you will get your $25 in your account and SoFi will send me $100 for referring you 4.You can use your money immediately.. by adding the virtual card to your tap Apple Pay or Google wallet and u can also have a physical debit card shipped to you 5. Download the SoFi App and In your account you will see the area where you can get your own link to refer other people for you to receive $75 per referral