Free Checking Account
Feel good free checking.
Free Checking Account
Feel good free checking.
Open a Free Checking Account
Choose Account
Choose the Checking Account you’d like to open from the links below.
- FREE CHECKING
No fees, no fuss. - SOUND DEBIT ACCOUNT
A simple account without checks. - INTEREST CHECKING
Interest on your balance. - CASH BACK CHECKING
Cash back on swipes. - HIGH-YIELD MONEY MARKET
Ideal for those who maintain a high balance and want access to their funds.
All it takes is a few minutes. Already started? Complete your saved application »
Get Ready
Have the following items ready and noted before you begin.
- Drivers License
- CURRENT MEMBERS: Your Sound member number
- NEW MEMBERS: Welcome! If you’re opening your first account at Sound, a Prime Savings will also be opened in addition to the other account type you apply for.
Prefer to open a savings or certificate account instead?
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 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
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:
No overdraft fees
Earns dividends
N/A
Earns cash back
N/A
Monthly Fee
$0
with $500 monthly direct deposit and eStatements, otherwise $3Personal 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 $7Personal 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 $7Personal 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
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 two days before payday.
