Checking Accounts
Feel good free checking.
Checking Accounts
Feel good free checking.
Sound checking accounts offer easy access to your money, plus tons of free perks.
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 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.
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.
New Checking Accounts available 2.1.2021
On February 1, 2021 our checking account options will change. After collecting member feedback and analyzing account usage trends, we have simplified our offerings to better align with how people are using their accounts. The new checking accounts are simplified for easier understanding and offer more value to our members.
Compare Checking Accounts
Best if you want:
Best if you want:
Minimum balance
Minimum balance
Monthly Fee
Monthly Fee
Personal Checks
Personal Checks
Earns Dividends
Earns Dividends
Free cashier's checks and money orders
Free cashier's checks and money orders
$5 Safe Deposit Box Discount
$5 Safe Deposit Box Discount
Sound Debit Account2
Best if you want:
Simple account
Minimum balance
$0
Monthly Fee
$0
($3 without $500 direct deposit and eStatements)Personal Checks
Earns Dividends
Free cashier's checks and money orders
3/each free per month
$5 Safe Deposit Box Discount
Free Checking
Best if you want:
No fees, no fuss
Minimum balance
$0
Monthly Fee
$0
Personal Checks
Earns Dividends
Free cashier's checks and money orders
$5 Safe Deposit Box Discount
Advantage Checking
Best if you want:
Interest on your savings
Minimum balance
$500
(to avoid monthly fee)Monthly Fee
$0
(if balance remains above $500, otherwise $5)Personal Checks
Earns Dividends
if balance remains above $1,000
Free cashier's checks and money orders
$5 Safe Deposit Box Discount
Plus Checking & Visions Checking (age 55+)
Best if you want:
Interest and exclusive benefits
Minimum balance
$0
Monthly Fee
Plus - $7.50
Visions - $0Personal Checks
Earns Dividends
Dividends paid on Plus Checking if balance remains above $1,000
Free cashier's checks and money orders
$5 Safe Deposit Box Discount
See how accounts will transition to our new checking accounts on 2.1.2021. Learn more
High-Yield Checking
Earn a higher dividend rate on your higher balances. High-Yield Checking offers tiered dividend rates based on your deposit level.
- Higher dividend rates
With our dividend tiers, the more you save, the better your rate.
View rates - No monthly fees
As long as your balance is above $10,000, there’s no fee. If it does fall below, the fee is $10. - Earn dividends at any balance
Even if your balance falls below $10,000, you’ll still earn dividends on your savings.
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
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 one day before payday.
