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Welcome Bank of Washington Members

Please activate and begin using your new Sound debit card.

Welcome Bank of Washington Members

Please activate and begin using your new Sound debit card.

You’re in the right place for the latest information about the integration of accounts between The Bank of Washington and Sound Credit Union.

TBOW clients’ accounts and services are now integrated and running on Sound Credit Union’s software.

Account Integration Guide

View the Account Integration Guide and Addendum for instructions on how to access your accounts online, in person and over the phone.


Account Integration Guide


Account Integration is Complete

What to do now

Revisit the checklist to ensure your account services continue without interruption.


Digital Banking - Personal

Enroll on or after Monday, July 29.

Enroll Now

Download the app

Download on the App Store Get it on Google Play

Digital Banking - Business

Watch your mailbox for first-time login instructions.

TBOW Branch Hours

Edmonds, Everett and Mukilteo
  • Monday – Friday 9am-6pm
  • Saturday 9am-1pm
Lynnwood West
  • Monday – Friday 9am-6pm
  • Closed Saturdays
The Redmond West location will temporarily close for remodeling on Friday, July 26 until further notice.


Sound Branches

Sound Digital Banking (Personal)

Download on the App Store Get it on Google Play

Debit Cards

  • Activate and begin using your new Sound debit card.

ATM Cards

  • Former TBOW ATM-only cards are discontinued.

Digital Banking (Business)

  • See page 7 of Account Integration Guide for enrollment options and details.
  • Download the Sound Business app.
  • After you’ve enrolled in Digital Business Banking, log in to set-up your payees. Don’t have Bill Pay? Contact us.
  • Enroll in eStatements.

Acquisition Information

To help the transition go smoothly, we’ve provided a checklist of potential action items.

The following items will help ensure your account services continue without interruption. Also reference the Account Integration Guide and Addendum for more details.

  1. ACH/Direct Deposit – Note Sound’s routing number, 325183220, and your MICR account number for direct deposits and ACH. (Page 5 of Integration Guide)
  2. Enroll in Digital Banking and download the mobile app. (Page 7)
  3. Debit Card – Activate and begin using your new Sound debit card. (Page 10)
  4. Order new Sound checks. (Page 9)
  5. Courtesy Pay – Review the overdraft protection options and choose whether to opt-in for Complete Courtesy Pay. (Page 11)
  6. Statements – Watch your mailbox for two statements. If you don’t already have eStatements, make sure to enroll so you can view them in Digital Banking. (Page 6)
  7. Branches and Financial Tools – Start using Sound’s complete branch network and the money management tools available to you within Digital Banking.

Certificate of Deposit dividends did not post as they should have before the account integration process began.

We have programmed a resolution. All earned dividends (interest) will be added to accrued dividends and credited at August month-end. The posting will appear on August Statements and in Online Banking.

This is a small bump in the road, and we continue to work hard to make this transition as smooth as possible. Thank you for your patience and understanding during this account integration process.

The date range displayed incorrectly on July Statements to former TBOW members. Fortunately, this did not affect other details on the statement such as balances, YTD totals or activity from July 27– July 31.

This has been corrected and date ranges will appear normal on August Statements.

During account integration, The Bank of Washington clients received new account numbers.

Letters were mailed prior to integration with this information. Please call or stop by your nearest branch if you have any questions.

Yes, your direct deposit will continue to work. When we combined operating systems, and the routing number changed, we worked with your direct deposit and/or withdrawal sources to change your account number.

However, we may need your help to complete this process and we will contact you.

  • Debit Card – You may now activate and begin using your new Sound debit card. Use your card for purchases or to get cash from an ATM.
  • Online Banking – You can also register for Sound Digital Banking on or after Monday, July 29.
  • In person – Visit any Sound branch.
  • Call the Contact Center at 800-562-8130.


If you have not already transitioned your Credit Card account to Sound, stop by a branch or give us a call for details.

You now have full-service access to Sound’s complete branch network.

Find a Branch

*Redmond West – Starting July 27, 2019 the former TBOW Redmond Branch will temporarily close for remodeling. Please visit our other Redmond location a short distance away at 17181 Redmond Way, Suite 650.

The Bank of Washington branches, employees and clients are now a part of Sound Credit Union.

Together, the organizations will offer an expanded branch footprint of 29 locations from Everett to Tumwater, additional services, financial strength and growth opportunities.

Combined, the organization will have approximately $1.7 billion in assets ($1.3 billion in loans, $1.5 billion in deposits) and over 122,000 members/clients.

Don Clark, Sound’s President/CEO, will lead the combined organization, along with the rest of Sound’s executive team who will continue in their current roles.

Deposit Insurance

Sound Credit Union is insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF).

Your deposits will continue to be federally insured to the maximum amount available, currently to at least $250,000 per depositor, and backed by the full faith and credit of the United States government.

NCUA/FDIC Comparison Chart

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Sound Credit Union and Washington Bancorp, Inc. Finalize Acquisition


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Contact us with questions or comments

Sound Credit Union

Find a Sound branch

Call 800.562.8130