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Personal Banking Services

We have your financial back.

Personal banking services look out for your whole financial well-being.

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

Learn More

View pricing »
Read our FAQs »

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 The Courtesy Pay service may be withdrawn, reduced, or suspended at any time, including if your account is not in good standing or if any loan is more than 30 days delinquent.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 $32 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.
²Transfers are subject to Regulation D.

Skip-a-Pay

Sound Credit Union offers an option to skip a payment on your credit card, auto, and personal loans up to two times per year. Perfect if you’d like to free up some cash for a special trip or an unexpected expense.

  • Each payment you skip requires a $32 fee/finance charge.
  • Each skip moves your loan date forward one month from your present due date.
  • Available on loans that have satisfied at least six complete monthly billing cycles.
  • Must wait at least 3 months between skips.
  • Request must be within the payment’s grace period

Want more information? Read our Frequently Asked Questions »

Early Pay

Why wait for pay day to get paid? Early Pay gets you your direct deposit from an employer or government agency up to one day 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 one day 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 all 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 »

Shared Branching

Access your account at thousands of credit union branches nationwide.
Find a Shared Branching location »

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