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Checking Accounts

Open a new Sound checking account. Get $100.*

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.

Free Sound Rewards

Buy stuff, earn rewards. Sound Rewards is free for all debit cardholders.*

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 Refund

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:

  • Minimum balance

    Minimum balance

  • Opening deposit requirement

    Opening deposit requirement

  • Monthly Fee

    Monthly Fee

  • Earns Rewards*

    Earns Rewards*

  • 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

Free Checking

  • Best if you want:

    No fees, no fuss

  • Minimum balance

    $0

  • Opening deposit requirement

    $0

  • Monthly Fee

    $0

  • Earns Rewards*

  • 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)

  • Opening deposit requirement

    $0

  • Monthly Fee

    $0
    (if balance remains above $500, otherwise $5)

  • Earns Rewards*

  • 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

  • Opening deposit requirement

    $0

  • Monthly Fee

    Plus - $7.50
    Visions - $0

  • Earns Rewards*

     

  • 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

Young female smiling with groceries
Open a checking account. Get $100.


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.

Open an Account

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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 one day before payday.

Learn more about Early Pay »

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Ready to open your Sound checking account?

Stop by your local branch

Find a Branch

Open your account online

Apply Online

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