Checking Accounts
Feel good free checking.
Sound checking accounts offer easy access to your money, plus tons of free perks.
Checking Account Options
Sound Debit Account
Enjoy no fees, zero minimum balance, and even receive your paycheck up to day early.
Free Checking
Open your free Checking Account today and enjoy absolutely no fees, only at Sound.
Interest Checking
Combine the convenience of traditional checking with the earning potential of a savings account.
Cash Back Checking
Earn 1% cash back on debit card transactions, up to $10/month.
Benefits of Checking with Sound
Online and Mobile Banking
Online and Mobile Banking, Bill Pay, Mobile Deposit, and Mobile Pay for Apple and Android devices.
Early Pay
Early Pay3 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
Not sure which Checking Account is best for you? Compare options below. When you’re ready, open a Checking Account online. All it takes is a few minutes.
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Best if you want
Best if you want
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Earn dividends
Earn dividends
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Earns cash back
Earns cash back
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Monthly Fee
Monthly Fee
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Personal Checks
Personal Checks
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Free cashier’s checks and money orders
Free cashier’s checks and money orders
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Minimum balance
Minimum balance
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$5 Safe deposit box discount
$5 Safe deposit box discount
Sound Debit Account2
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Best if you want
No overdraft fees
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Earn dividends
N/A
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Earns cash back
N/A
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Monthly Fee
$0
with $500 monthly direct deposit and eStatements, otherwise $3 -
Personal Checks
N/A
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Free cashier’s checks and money orders
3/each free per month
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Minimum balance
$0
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$5 Safe deposit box discount
N/A
Free Checking
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Best if you want
No fees, no fuss
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Earn dividends
N/A
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Earns cash back
N/A
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Monthly Fee
$0
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Personal Checks
-
Free cashier’s checks and money orders
N/A
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Minimum balance
$0
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$5 Safe deposit box discount
N/A
Interest Checking
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Best if you want
Interest on your balance
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Earn dividends
-
Earns cash back
N/A
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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
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Best if you want
Cash back on swipes
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Earn dividends
N/A
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Earns cash back
1% on debit card transaction, up to $10/month
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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
Early Pay3
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.
Get the answers you’re looking for.
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.
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Ready to open your Sound checking account?
Disclosures
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.
3. Early Pay: You must have ACH Direct Deposit into a Sound Credit Union account to participate in Early Pay. Depending on your employer’s payroll procedures, it may not be possible to receive your payroll deposit early. Sound does not assume any liability for not depositing these funds to your account early.