And so do you.

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