Click on my link to download the SoFi app & follow the instructions to open a checking & savings account. Once opened, all you need to do is link an external bank account (via Plaid) & deposit $10 into your new SoFi account. The referral bonus is usually credited immediately.
https://www.sofi.com/invite/money?gcp=df01faf5-bed9-4a27-ac0a-9e2968925548&isAliasGcp=false