Checking Accounts
It’s your money. Let’s keep it that way.
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 - $0Earns 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
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.
