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Open a Free Checking Account

Choose the Checking Account you’d like to open from the links below. 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?


Want help opening your account?

Stop by your local branch

Find a Branch

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 $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

Checking Account FAQs

A checking account is a bank account that you can use for everyday transactions. This includes depositing checks, withdrawing cash using your debit card, and setting up direct deposits from your employer’s payroll, social security and more.

Sound Credit Union offers Checking Accounts. Learn More »

To open a checking account you’ll want to complete a provided application, and make an opening deposit, if required. You’ll need your member number (if you’re already a member) and personal information, including a government-issued photo ID. Checking accounts can be opened online or at any branch location. If opening your account online, have your mobile decide handy and be prepared to access your email account.

Sound Credit Union offers Checking Accounts. Learn More »

Mobile Pay is available on all Sound cards, including debit cards attached to your checking account.

For more information on Mobile Pay, visit our Mobile Banking page.

Bill Pay offers you an easy way to make payments without having to write a check. You can schedule one-time and recurring payments to your payees, track your payment activity, receive eBills, and more. Funds will be automatically deducted from your checking account. Bill Pay is available through Online Banking and our Mobile app.

Basic Courtesy Pay is automatically extended 60 days after account opening to all eligible checking accounts. To get the benefits of Complete Courtesy Pay coverage, you must opt-in. See “How do I add Courtesy Pay to my account?” for details.