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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.

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 one day before payday.

Learn more about Early Pay »

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