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.
Local
Several dozen Puget Sound branches from Everett to Olympia.
National
More than 30,000 surcharge-free CO-OP ATMs across the country.
Mobile
A great mobile app to manage your money on-the-go, or on your couch.
Global
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.
Community
Join Sound, and you join us in making a positive impact in our community.
Financial well-being at its best.
Fraud-Defender
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 PayAutomatic 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.
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.
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
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 »
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!
