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Free Checking Account in Federal Way

Free Checking Account in Federal Way


Want feel good free checking in Federal Way?

Discover the simplicity and convenience of managing your finances with a Sound checking account. Whether you’re looking to open a checking account for the first time or searching for a free online checking account, Sound Credit Union in Federal Way has you covered. Say goodbye to the hassle of hefty deposits, as we offer a bank account online with no deposit option, making it easier than ever to get started on your financial journey.

At Sound Credit Union, we understand that you value accessibility and flexibility when it comes to your money. Our free checking account not only provides you with the peace of mind of no monthly fees but also grants you the freedom to access your funds whenever and wherever you need them. With our user-friendly online and mobile banking platforms, your account is at your fingertips 24/7, allowing you to manage your finances effortlessly.

Online and Mobile Banking

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 two days 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.

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:

    Best if you want:

  • Earns dividends

    Earns dividends

  • Earns cash back

    Earns cash back

  • Monthly Fee

    Monthly Fee

  • Personal Checks

    Personal Checks

  • Free cashier's checks and money orders

    Free cashier's checks and money orders

  • Minimum balance

    Minimum balance

  • $5 Safe Deposit Box Discount

    $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

Online and Mobile Banking. Anytime, anywhere.

Too busy to stop in? That’s cool. With online and mobile banking you can transfer money, make payments, deposit checks, and more from anywhere.

Check out our online banking features »
Learn about our mobile app »

Overdraft Protection

Keys. Cell phone. Account balance. It’s easy to forget stuff. But with overdraft protection, you can be sure that your payment will still go through. Sound offers four overdraft options:

  • Savings transfer
  • Line of credit transfer
  • Credit card transfer
  • Courtesy Pay

Learn more about Overdraft Protection »

Early Pay

Want to get paid up to a day early? Send your direct deposits to your Sound account and automatically receive them up to two days before payday.

Learn more about Early Pay »

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Plan Your Trip

Location & Hours

Address:
Federal Way Branch
2020 S 320th St Ste H
Federal Way, WA 98003

800.562.8130

Hours:
Monday - Friday 9am - 5:30pm
Saturday 9am - 1pm

Get the answers you need about Checking Accounts

A checking account is a bank account that you can use for everyday transactions. This includes depositing checks, withdrawing cash using your debit card, and setting up direct deposits from your employer’s payroll, social security and more.

Sound Credit Union offers Checking Accounts. Learn More »

To open a checking account you’ll want to complete a provided application, and make an opening deposit, if required. You’ll need your member number (if you’re already a member) and personal information, including a government-issued photo ID. Checking accounts can be opened online or at any branch location. If opening your account online, have your mobile decide handy and be prepared to access your email account.

Sound Credit Union offers Checking Accounts. Learn More »

Mobile Pay is available on all Sound cards, including debit cards attached to your checking account.

For more information on Mobile Pay, visit our Mobile Banking page.

Bill Pay offers you an easy way to make payments without having to write a check. You can schedule one-time and recurring payments to your payees, track your payment activity, receive eBills, and more. Funds will be automatically deducted from your checking account. Bill Pay is available through Online Banking and our Mobile app.

Basic Courtesy Pay is automatically extended 60 days after account opening to all eligible checking accounts. To get the benefits of Complete Courtesy Pay coverage, you must opt-in. See “How do I add Courtesy Pay to my account?” for details.

Ready to open your Sound checking account?

Stop by your local branch

Find a Branch

Open your account online

Apply Online