Open an Account
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Open a Checking 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
Higher-yield on maintained balances + liquidity.
What you’ll need.
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.
All it takes is a few minutes.
Already started? Complete your saved application »
Prefer to open a savings or certificate account instead?
Online & 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 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
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Best if you want:
Best if you want:
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Earns dividends
Earns dividends
-
Earns cash back
Earns cash back
-
Monthly Fee
Monthly Fee
-
Personal Checks
Personal Checks
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Free cashier’s checks and money orders
Free cashier’s checks and money orders
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Minimum balance
Minimum balance
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$5 Safe Deposit Box Discount
$5 Safe Deposit Box Discount
Sound Debit Account2
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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 transaction, 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.
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.
Ready to open your Sound checking account?
Want to be money smart?
We’ve got your back.
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Combining Finances and Talking to Your Spouse About Money
Money arguments often take longer to recover from and are often more intense than other spats, since they can involve criticisms of what your partner values and how they make decisions. Continue reading
Disclosures
FEDERALLY INSURED BY NCUA.
All Checking Accounts require Sound membership. Must meet qualifying criteria to open checking account. Offers may change at any time.
1. Overdraft Refund: On request, every checking account can reverse one overdraft fee per calendar year.
2. Sound Debit Account: No personal check writing, courtesy pay, ATM deposits, or wire transfers.