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Personal Banking Near You

Personal Banking Near You

We have your financial back.

Personal Banking Near You

We have your financial back.

Wherever you live, work or travel, there’s an ATM or branch nearby for easy access to your Sound account.


Several dozen Puget Sound branches from Everett to Olympia.


More than 30,000 surcharge-free CO-OP ATMs across the country.


A great mobile app to manage your money on-the-go, or on your couch.


With Card Controls and zero foreign transaction fees you can travel and spend with confidence.

Coast to Coast

Shared Branching account access at over 5,600 partner credit union locations across the country.


Join Sound, and you join us in making a positive impact in our community.

Financial well-being at its best.


Identity Theft Monitoring and Recovery

Fraud-Defender is a fully managed identity theft monitoring and recovery program. If you become an ID theft victim, a personal recovery advocate will work on your behalf until your identity is restored as closely as possible to its pre-theft status, saving you time and stress.

  • Gain peace of mind with fully managed care
  • Get help from licensed, caring professionals
  • Covers all types of identity theft—not just your accounts at Sound
  • Offers continuous credit monitoring
  • Up to $1 million of expense reimbursement insurance
  • Individual and family coverage options available


Overdraft Protection

Keys. Cell phone. Account balance. It’s easy to forget stuff. When it does happen, we can help you make your payments with Overdraft Protection.

  • Courtesy Pay1

    Cover transactions on your checking account up to your Courtesy Pay limit.
    Learn more about Courtesy Pay

  • Automatic transfer from savings¹

    If an overdraft occurs, funds from your savings account will be transferred to cover the draft for a minimal fee of $5 each day a transfer occurs.

  • Automatic transfer from personal line of credit

    If an overdraft occurs, funds are automatically advanced from your available line of credit in $100 increments and transferred to your checking account. Interest is charged daily on the transferred amount. No transfer fee is charged.

  • Automatic transfer from your credit card

    If an overdraft occurs, funds are automatically advanced from your available line of credit in $100 increments and transferred to your checking account. The transfer is treated as a cash advance and the standard cash advance fee as stated in your Credit Card Agreement would apply.

Opt into Overdraft Protection in online banking, over the phone, or at your local branch.

¹This notice does not constitute either a written agreement of an obligation, or a prearranged agreement for Sound Credit Union to pay your overdrafts. Payment of any overdraft(s) is at the discretion of Sound Credit Union. The Courtesy Pay service may be withdrawn, reduced, or suspended at any time, including if your account is not in good standing or if any loan is more than 30 days delinquent. Courtesy Pay fee is $29 for each item greater than $5 paid under Courtesy Pay. With Basic coverage, paid items can include checks and automatic payments (ACH). With Complete coverage, paid items can include checks, automatic payments, debit card transactions, and ATM transactions. You have 30 days from your first overdraft to bring your account current. All fees associated with the payment of overdraft items will be applied to your Courtesy Pay limit. If you exceed your Courtesy Pay limit, additional overdraft items will not be paid. You may remove the Courtesy Pay service at any time by calling us, changing your preferences through Online Banking, or visiting any branch.

Early Pay

Why wait for pay day to get paid? Early Pay delivers your direct deposit from an employer or government agency up to two days before your “official” pay day and is free for all Sound members.

How does it work?

Many companies and government agencies send your pay electronically before your “official” payday. Early Pay offers credit of your direct deposit to your Sound Credit Union account up to two days early based upon when we receive your payroll from your employer.

For more information, search our Support section.

Visa Gift Cards

Give them the perfect gift without having to go to the store to pick it out. Visa gift cards are accepted anywhere you see the Visa logo, and can be purchased online or at your local branch.

In-Branch Purchase

  • Available in whole dollar increments from $25-$1,000
  • Instantly issued for your convenience
  • One low fee of $3.95 per card regardless of amount

Online Purchases

  • Available in whole dollar increments from $25-$500
  • Choice of 5 card designs
  • Cards can be shipped to the recipient for amounts under $400
  • Tiered rate fee (includes shipping & handling):
    • $5.95 for $25-$249
    • $7.95 for $250-$500

Visa gift cards available through Sound may be used for domestic purchases only.
Online Gift Card Purchases: Card orders $400 and above must be shipped to the purchaser. Personalized gift cards will be received within five to seven business days after the order has been placed.

In-Branch Services

Safe Deposit Boxes

Keep valuables secure inside Sound’s vaults. Sound offers five different sizes of boxes at branches across the Puget Sound.*
Call us to find available boxes and locations »
Check Safe Deposit Box pricing »

Notary & Signature Guarantee Services

We offer free notary and signature guarantee services to Sound members. Impartial and state-licensed representatives are available at all Sound branch locations.
Find your local branch »

Coin Counting

Have spare change? Easily deposit it to your Sound account, using our in-branch coin sorters. Members can sort amounts under $200 for free. Amounts over $200 will be charged an 8% fee.
See if coin counting is available at your local branch »

*Safe deposit box sizes and availability may vary by branch. Contact us to check availability.

Deposit Taking ATMs

Deposit checks and cash at a Sound ATM or CO-OP ATM location.
Find a deposit-taking ATM »

Mobile Pay

Leave your wallet at home. Mobile Pay lets you use your smartphone to tap and pay with your Sound cards anywhere contactless payments are accepted.

Get started today
Apple Pay | Android Pay | Samsung Pay

Loan Comparison Tool

If you have a loan at a different bank or lender, use our easy comparison tool and see if we can offer you a lower payment or more favorable terms. It’s one of our favorite things to do!

Compare Your Auto Loan »

Compare Your Personal Loan »

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