We think you’ll like “credit unioning” better than banking.

We return our profits to our members in the form of more competitive rates, lower fees, and free or low-cost services. And with digital banking, fee-free ATMs, and branches throughout the state, you can access your money wherever, whenever.

  • Online and Mobile Banking

    Bank how you want with Online and Mobile Banking, Bill Pay, Mobile Deposit, and Mobile Pay for Apple and Android devices.

  • Early Pay

    Early Pay delivers your direct deposit up to one day before your “official” pay date. It’s free for all Sound members!

  • Debit Card with Mobile Pay

    If you have your phone, you have your debit card. Sound Mobile Pay works at millions of locations.

  • High-Tech Protection

    Free EMV chip debit card, real-time text alerts, and card lock/unlock features in our Sound Mobile app keep you safe.

  • Overdraft Refund1

    Everyone makes mistakes. That’s why we offer one overdraft refund every year.

  • Nationwide ATM Access

    Get surcharge-free access to over 30,000 ATMs nationwide. That’s more than any bank.

Compare Checking Accounts

 
Best if you want:
Earns dividends
Earns cash back
Monthly Fee
Personal Checks
Free cashier's checks and money orders
Minimum balance
$5 Safe Deposit Box Discount
Sound Debit Account2
Best if you want: Simple account
Earns dividends N/A
Earns cash back N/A
Monthly Fee $0
with $500+ monthly direct deposit and eStatements, otherwise $3
Personal Checks N/A
Free cashier's checks and money orders 3/each free per month
Minimum balance $0
$5 Safe Deposit Box Discount N/A
Free Checking
Best if you want: No fees, no fuss
Earns dividends N/A
Earns cash back N/A
Monthly Fee $0
Personal Checks  
Free cashier's checks and money orders N/A
Minimum balance $0
$5 Safe Deposit Box Discount N/A
Interest Checking
Best if you want: Interest on your balance
Earns dividends  
Earns cash back N/A
Monthly Fee $0
with $500+ monthly direct deposit and eStatements or age 55+, otherwise $7
Personal Checks  
Free cashier's checks and money orders N/A
Minimum balance $0
$5 Safe Deposit Box Discount  
Cash Back Checking
Best if you want: Cash back on swipes
Earns dividends N/A
Earns cash back  

1% on debit card transactions, up to $10/month

Monthly Fee $0
with $500+ monthly direct deposit and eStatements or age 55+, otherwise $7
Personal Checks  
Free cashier's checks and money orders N/A
Minimum balance $0
$5 Safe Deposit Box Discount N/A

Ready to open your Sound checking account?

All Checking Accounts require Sound membership. Must meet qualifying criteria to open checking account. Offers may change at any time.
1. Overdraft Refund: On request, every checking account can reverse one overdraft fee per calendar year.
2. Sound Debit Account: No personal check writing, courtesy pay, ATM deposits, or wire transfers.

Routing Number: 325183220

Federally insured by NCUA. Equal Housing Opportunity.

© 2021 Sound Credit Union. All rights reserved.
1331 Broadway, Tacoma, WA 98402