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Free Checking

There’s a bunch of reasons it’s better than free.

Your money goes further when it stays yours. Free Checking. No hidden fees.

Free is just the half of it.

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 refund1 every year.

Nationwide ATM Access

Get surcharge-free access to over 30,000 ATMs nationwide. That’s more than any bank.

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

  • Minimum Balance

    Minimum Balance

  • Safe Deposit Box Discount

    Safe Deposit Box Discount

Free Checking

  • Best if you want:

    No fees, no fuss.

  • Earns Dividends

    ×

  • Earns Cash Back

    ×

  • Monthly Fee

    $0

  • Personal Checks

  • Minimum Balance

    $0

  • Safe Deposit Box Discount

    ×

Interest Checking

  • Best if you want:

    Interest on your balance.

  • Earns Dividends

  • Earns Cash Back

    ×

  • Monthly Fee

    $0
    with $500 monthly direct deposit and eStatements or age 55 , otherwise $7/mo

  • Personal Checks

  • Minimum Balance

    $0

  • Safe Deposit Box Discount


    $5 discount

Cash Back Checking

  • Best if you want:

    Cash back on swipes.

  • Earns Dividends

    ×

  • Earns Cash Back

    1% on debit card transactions, up to $10/mo

  • Monthly Fee

    $0
    with $500 monthly direct deposit and eStatements or age 55 , otherwise $7/mo

  • Personal Checks

  • Minimum Balance

    $0

  • Safe Deposit Box Discount

    ×

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.

Learn more about Early Pay »

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

Digital 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.

Check out our online banking features »
Learn about our mobile app »

What would you like to know about Free Checking?

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.

More financial insights from Sound Credit Union

Take the Next Step toward Free Checking

Open your account online
Open an Account
Visit a local branch
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Disclosures

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.