Business Accounts
Small Business Checking Accounts at Sound
Manage daily business expenses with ease.
Get easy access to the money that keeps your business moving.
Business Checking at Sound has its Benefits
Convenient Online and Mobile Banking Features
Manage accounts, pay bills, view business account balances and more, anywhere, anytime.
Check Deposit and Withdrawal Perks
Depending on the account you choose, get 100 or 200 free check deposits and withdrawals each month.
Unlimited Free Debit Cards
Outfit your entire crew with a debit card for free. Plus, earn Sound Rewards on each purchase.
Mobile Check Deposit
Use your smartphone to deposit checks from anywhere. No need to visit a branch.
High-Tech Protection
Free EMV chip debit card, email and text alerts, and card lock/unlock features in our Sound Mobile app.
Nationwide ATM Access
Get surcharge-free access to over 30,000 ATMs nationwide. That’s more than any bank.
Considering Sound and have a Sole Prop or Single-Member LLC?
New business members with a Sole Proprietorship or a Single-Member LLC can now apply for their Business Checking account online2.
Compare Business Checking Accounts
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Minimum balance
Minimum balance
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Monthly fee
Monthly fee
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Check deposits & withdrawals
Check deposits & withdrawals
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Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
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Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
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Earns dividends
Earns dividends
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Earns Rewards
Earns Rewards
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Free notary service
Free notary service
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Business Free Checking
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Account essentials without fees or minimums.
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Minimum balance
$0
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Monthly fee
$0
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Check deposits & withdrawals
100 free per month
($0.20/item after 100) -
Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
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Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
Available*
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Earns dividends
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Earns Rewards
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Free notary service
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Business Checking
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Maximum convenience, low fees and minimums.
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Minimum balance
$5,000
to avoid monthly fee or have Cash Management -
Monthly fee
$0
if balance remains above $5,000, otherwise $10 -
Check deposits & withdrawals
300 free per month
($0.20/item after 300) -
Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
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Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
Available*
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Earns dividends
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Earns Rewards
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Free notary service
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Business Interest Checking
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Earn interest and get exclusive benefits.
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Minimum balance
$10,000
to avoid monthly fee -
Monthly fee
$0
if balance remains above $10,000, otherwise $10 -
Check deposits & withdrawals
200 free per month
($0.15/item after 200) -
Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
-
Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
Available*
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Earns dividends
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Earns Rewards
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Free notary service
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Analysis Checking
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Put larger balances to work.
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Minimum balance
Analyzed*
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Monthly fee
Analyzed*
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Check deposits & withdrawals
Analyzed*
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Business Online Banking
User entitlements, bill pay, statements, reminders, alerts, reorder checks
-
Cash Management
Includes Business Banking plus: ACH origination* and submitting wires*
Analyzed*
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Earns dividends
Earnings Credit used to offset account fees
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Earns Rewards
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Free notary service
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Business Checking Rates
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Minimum Balance |
Dividend Rate |
APY* |
Minimum Balance to Earn APY* |
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Minimum balance to avoid a fee: $10,000, otherwise $10 per month *APY = Annual Percentage Yield. Rates subject to change without notice. |
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Minimum Balance $1 – $9,999 |
Dividend Rate 0.15% |
APY* 0.15% |
Minimum Balance to Earn APY* $0 |
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Minimum Balance $10,000 – $24,999 |
Dividend Rate 0.20% |
APY* 0.20% |
Minimum Balance to Earn APY* $10,000 |
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Minimum Balance $25,000 – $49,999 |
Dividend Rate 0.25% |
APY* 0.25% |
Minimum Balance to Earn APY* $25,000 |
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Minimum Balance $50,000 and Above |
Dividend Rate 0.30% |
APY* 0.30% |
Minimum Balance to Earn APY* $50,000 |
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Earnings Credit |
Dividend Rate |
APY* |
Minimum Balance to Open |
|---|---|---|---|
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$15 monthly analyzed fee. |
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Earnings Credit 0.75% |
Dividend Rate N/A |
APY* N/A |
Minimum Balance to Open $0 |
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Business Fees – Analyzed |
Fee Amount – Analyzed |
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Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. |
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Business Fees – Analyzed Analysis Checking Account |
Fee Amount – Analyzed $15 monthly |
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Business Fees – Analyzed Checks Cleared or Deposited |
Fee Amount – Analyzed $0.10 per presentment |
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Business Fees – Analyzed Cash/Coin Deposited or Withdrawn |
Fee Amount – Analyzed $0.10 per $100 |
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Business Fees – Analyzed Rolled Coin Purchase |
Fee Amount – Analyzed $0.10 per roll |
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Business Fees – Analyzed Cash Management – includes RDC, ACH & Wire Origination Services |
Fee Amount – Analyzed $40 monthly |
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Business Fees – Analyzed ACH Services Only |
Fee Amount – Analyzed $25 monthly |
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Business Fees – Analyzed ACH Debits and Credits |
Fee Amount – Analyzed $0.12 per presentment |
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Business Fees – Analyzed Wire Transfer Services Only |
Fee Amount – Analyzed $25 monthly |
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Business Fees – Analyzed Remote Deposit Capture (RDC) Services Only |
Fee Amount – Analyzed $25 monthly |
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Business Fees – Analyzed RDC Low Volume Scanner |
Fee Amount – Analyzed $25 monthly |
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Business Fees – Analyzed RDC High Volume Scanner |
Fee Amount – Analyzed $50 monthly |
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Minimum Balance |
Dividend Rate |
APY* |
|---|---|---|
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IOLTA = Interest on Lawyers Trust Account *APY = Annual Percentage Yield. Rates subject to change without notice. |
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Minimum Balance $0-9,999 |
Dividend Rate 0.15% |
APY* 0.15% |
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Minimum Balance $10,000-24,999 |
Dividend Rate 0.2% |
APY* 0.2% |
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Minimum Balance $25,000-49,999 |
Dividend Rate 0.25% |
APY* 0.25% |
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Minimum Balance $50,000 and Above |
Dividend Rate 0.3% |
APY* 0.3% |
Invoicing and Payments
Powered by Autobooks
Collect payments from customers on-the-go or over the phone.
- Digital invoicing and payment acceptance
- No monthly fees
- No annual fees
- Competitive processing fee only when you get paid
IOLTA Checking
Interest on Lawyers Trust Accounts (IOLTA)
When a client sends you funds, as a lawyer, you’re required to keep those funds in a separate trust account.
With an IOLTA checking account, earned dividends are automatically sent to the Legal Foundation of Washington to help cover legal costs for those in need.
Ready to open your Sound Business Checking account?
Back to top Disclosures
FEDERALLY INSURED BY NCUA
1Refer to Business Account Rates and Fees for complete details.
2Online business account opening is only available to new members whose businesses are either Sole Proprietorships or Single-Member LLCs. If you’re an existing business member or your business has a different structure, contact our Business Services Team.