Business Rates

Business Checking

Free Business Checking
Dividend Rate	APY*	Minimum Balance to Earn APY*
*APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Dividend Rate N/A	APY* N/A	Minimum Balance to Earn APY* N/A

Business Checking
Dividend Rate	APY*	Minimum Balance to Earn APY
Minimum balance to avoid a fee: $5,000, otherwise $10 per month Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Dividend Rate Business Checking	APY* N/A	Minimum Balance to Earn APY N/A

Business Interest Checking
Minimum Balance	Dividend Rate	APY*	Minimum Balance to Earn APY*
Minimum balance to avoid a fee: $10,000, otherwise $10 per month Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note:* All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Minimum Balance $1 - $9,999	Dividend Rate 0.1%	APY* 0.1%	Minimum Balance to Earn APY* $0
Minimum Balance $10,000 - $24,999	Dividend Rate 0.1%	APY* 0.1%	Minimum Balance to Earn APY* $10,000
Minimum Balance $25,000 - $49,999	Dividend Rate 0.1%	APY* 0.1%	Minimum Balance to Earn APY* $25,000
Minimum Balance $50,000 and Above	Dividend Rate 0.1%	APY* 0.1%	Minimum Balance to Earn APY* $50,000

Analysis Checking
Earnings Credit	Dividend Rate	APY*	Minimum Balance to Open
$15 monthly analyzed fee. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Earnings Credit 0.75%	Dividend Rate N/A	APY* N/A	Minimum Balance to Open $0

IOLTA Checking
Minimum Balance	Dividend Rate	APY*
IOLTA = Interest on Lawyers Trust Account Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *APY = Annual Percentage Yield. Rates subject to change without notice. Note: All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Minimum Balance $0-9,999	Dividend Rate 0.15%	APY* 0.15%
Minimum Balance $10,000-24,999	Dividend Rate 0.2%	APY* 0.2%
Minimum Balance $25,000-49,999	Dividend Rate 0.25%	APY* 0.25%
Minimum Balance $50,000 and Above	Dividend Rate 0.3%	APY* 0.3%

Business Savings

Business Savings
Accounts	Dividend Rate	APY*	Minimum Balance to Open	Minimum Balance to Earn APY*
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Accounts Business Savings	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Open N/A	Minimum Balance to Earn APY* $100
Accounts Secondary Business Savings	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Open N/A	Minimum Balance to Earn APY* N/A

High-Yield Business Savings
Minimum Balance	Dividend Rate	APY*	Minimum Balance to Earn APY*
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Minimum Balance $0 - $99,999.99	Dividend Rate 0.05%	APY* 0.05%	Minimum Balance to Earn APY* $0
Minimum Balance $100,000.00	Dividend Rate 3.00%	APY* 3.04%	Minimum Balance to Earn APY* $100,000.00

Business High-Yield Money Market
Minimum Balance	Dividend Rate	APY*	Minimum Balance to Earn APY*
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield. Rates subject to change without notice. Note:* All Savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.
Minimum Balance $0 - $99,999.99	Dividend Rate 2%	APY* 2.02%	Minimum Balance to Earn APY* $0
Minimum Balance $100,000.00	Dividend Rate 2%	APY* 2.02%	Minimum Balance to Earn APY* $100,000.00

Business Certificates

Business Certificates
Term	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Unlimited Deposits:* Make additional deposits at any time during the term of the certificate. Bump Certificate: Minimum balance is $2,500. Rate Bump: One time upon request, we will increase your rate to the current Bump Certificate rate at the same term. The new dividend will not be applied retroactively. Penalty-Free Deposits: Unlimited deposits. Flex Certificate: Minimum balance is $2,500. Add-on option: Unlimited deposits. Bump option: Upon request, rate will be increased to current Flex Certificate rate. Withdrawal option: Withdrawal amount cannot reduce the balance to less than the $2,500 minimum. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Term 3 Months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $500
Term 6 Months	Dividend Rate 3.44%	APY* 3.50%	Minimum Balance $500
Term 12 Months	Dividend Rate 3.93%	APY* 4.00%	Minimum Balance $500
Term 18 Months (Flex)	Dividend Rate 2.95%	APY* 2.99%	Minimum Balance $2,500
Term 24 Months	Dividend Rate 2.72%	APY* 2.75%	Minimum Balance $500
Term 30 Months (Flex)	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $2,500
Term 36 Months	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $500
Term 36 Months (Bump)	Dividend Rate 2.62%	APY* 2.65%	Minimum Balance $2,500
Term 48 Months	Dividend Rate 2.47%	APY* 2.50%	Minimum Balance $500
Term 60 Months	Dividend Rate 2.23%	APY* 2.25%	Minimum Balance $500
Term 60 Months (Bump)	Dividend Rate 2.23%	APY* 2.25%	Minimum Balance $2,500

Business Jumbo Certificates
Term	Dividend Rate	APY*	Minimum Balance
Rates and fees are subject to change. Early withdrawal penalties apply and may reduce earnings. Please check with your local branch, or call if we can answer any questions. APY = Annual Percentage Yield Unlimited Deposits:* Make additional deposits at any time during the term of the certificate. Note: All savings accounts which have dividends compounded and credited are paid monthly. This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Fees may reduce earnings. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Federally insured by NCUA.
Term 6 Months	Dividend Rate 3.69%	APY* 3.75%	Minimum Balance $100,000
Term 12 Months	Dividend Rate 4.17%	APY* 4.25%	Minimum Balance $100,000
Term 18 Months	Dividend Rate 3.20%	APY* 3.25%	Minimum Balance $100,000
Term 24 Months	Dividend Rate 2.97%	APY* 3.01%	Minimum Balance $100,000
Term 36 Months	Dividend Rate 2.87%	APY* 2.91%	Minimum Balance $100,000
Term 60 Months	Dividend Rate 2.48%	APY* 2.51%	Minimum Balance $100,000

Business Credit Cards

Business Credit Cards
Credit Cards	APR Range*¹
¹Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal 5 days before the end of the previous month increases or decreases. Your rate can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of: 3.70%-14.70% for Select and Select Secured; 5.70%-15.70% for Rewards and Cash Back. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. *All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account with a minimum balance of $25.
Credit Cards Business Rewards	APR Range*¹ 13.20% - 23.20%
Credit Cards Business Platinum	APR Range*¹ 11.20% - 22.20%
Credit Cards Business Platinum Secured	APR Range*¹ 11.20% - 22.20%

Business Fees

Business Account Fees
Business Fee	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fee Free Business Checking - Checks Cleared or Deposited	Fee Amount $0.20 per presentment (100 free per month)
Business Fee Business Checking - Low Balance	Fee Amount $10 per month if minimum balance not met
Business Fee Business Checking - Checks Cleared or Deposited	Fee Amount $0.20 per presentment (300 free per month)
Business Fee High-Yield Business Checking - Low Balance	Fee Amount $10 per month if minimum balance not met
Business Fee High-Yield Business Checking - Checks Cleared or Deposited	Fee Amount $0.15 per presentment (200 free per month)
Business Fee Business Savings - Low Balance	Fee Amount $5 if balance falls below $25 on last day of the month
Business Fee Business Savings - Checks Deposited	Fee Amount $0.20 per presentment (100 free per month)
Business Fee High-Yield Business Money Market - Checks Cleared	Fee Amount $10 per check over 3 check per month limit
Business Fee High-Yield Business Money Market - Checks Deposited	Fee Amount $0.20 per presentment (100 free per month)
Business Fee High Yield Sweep	Fee Amount $20

Analysis Checking Account Fees
Business Fees - Analyzed	Fee Amount - Analyzed
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fees - Analyzed Analysis Checking Account	Fee Amount - Analyzed $15 monthly
Business Fees - Analyzed Checks Cleared or Deposited	Fee Amount - Analyzed $0.10 per presentment
Business Fees - Analyzed Cash/Coin Deposited or Withdrawn	Fee Amount - Analyzed $0.10 per $100
Business Fees - Analyzed Rolled Coin Purchase	Fee Amount - Analyzed $0.10 per roll
Business Fees - Analyzed Cash Management - includes RDC, ACH & Wire Origination Services	Fee Amount - Analyzed $40 monthly
Business Fees - Analyzed ACH Services Only	Fee Amount - Analyzed $25 monthly
Business Fees - Analyzed ACH Debits and Credits	Fee Amount - Analyzed $0.12 per presentment
Business Fees - Analyzed Wire Transfer Services Only	Fee Amount - Analyzed $25 monthly
Business Fees - Analyzed Remote Deposit Capture (RDC) Services Only	Fee Amount - Analyzed $25 monthly
Business Fees - Analyzed RDC Low Volume Scanner	Fee Amount - Analyzed $25 monthly
Business Fees - Analyzed RDC High Volume Scanner	Fee Amount - Analyzed $50 monthly

Business Digital Banking Fees
Business Fees	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fees Digital Banking	Fee Amount Free
Business Fees Business Bill Pay	Fee Amount Free
Business Fees Cash Management - includes RDC, ACH & Wire Origination	Fee Amount $40 monthly
Business Fees ACH Services Only	Fee Amount $25 monthly
Business Fees ACH Debits and Credits	Fee Amount $0.12 per presentment
Business Fees Wire Services Only	Fee Amount $25 monthly
Business Fees Wire Transfer - Domestic (online)	Fee Amount $15 per transfer
Business Fees Wire Transfer - International (online)	Fee Amount $40 per transfer
Business Fees Remote Deposit Capture (RDC) Services Only	Fee Amount $25 monthly
Business Fees RDC Low Volume Scanner	Fee Amount $25 monthly
Business Fees RDC High Volume Scanner	Fee Amount $50 monthly
Business Fees Invoicing and Payments by Autobooks - Basic	Fee Amount Free
Business Fees Invoicing and Payments by Autobooks - Premium Accounting Package	Fee Amount $9.99
Business Fees Invoicing and Payments by Autobooks - Debit/Credit Card Transaction	Fee Amount 3.49%
Business Fees Invoicing and Payments by Autobooks - Electronic Transaction (ACH)	Fee Amount 1.00%
Business Fees Invoicing and Payments by Autobooks - Tap to Pay Contactless Transaction	Fee Amount 2.75%

Other Business Service Fees
Business Fees	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fees Account Reconciliation/Research	Fee Amount $20 per hour
Business Fees Cash/Coin - Deposited or Withdrawn	Fee Amount $0.20 per $100 ($10,000 free per month)
Business Fees Coin Processing - Loose/Rolled	Fee Amount 8% of transaction over $200, per day
Business Fees Coin Purchased - Rolled	Fee Amount $0.20 per $100 (20 rolls free, $0.25 per roll thereafter)
Business Fees Cashier's Check	Fee Amount $3 each
Business Fees Check Copies	Fee Amount $2 per copy, plus $20 per hour retrieval (2 free copies per statement)
Business Fees Check Orders	Fee Amount Varies
Business Fees Collection Item	Fee Amount $15 per presentment or At Cost if greater
Business Fees Courtesy Pay (1 Courtesy Pay or NSF refund per year upon request)	Fee Amount $29 per presentment
Business Fees Deposit Correction	Fee Amount $5 per correction
Business Fees Deposit Return Fee	Fee Amount $15 per presentment
Business Fees Document Retrieval	Fee Amount $2 per page, plus $20 per hour
Business Fees Early Account Closure	Fee Amount $10 (if closed within 90 days of opening)
Business Fees Expedited Payment - by phone	Fee Amount $9.95 per payment
Business Fees Expedited Payment - online (excludes payments to Sound Visa Accounts)	Fee Amount $4.95 per payment
Business Fees Foreign Check Processing (minimum check amount $100)	Fee Amount $20 per presentment or at cost if greater
Business Fees Inactive Account (after 1 year)	Fee Amount $10 per month
Business Fees Legal Action (garnishments/levies)	Fee Amount $50
Business Fees Membership Reopen	Fee Amount $10 per reopening
Business Fees Money Order	Fee Amount $2 each
Business Fees NSF (1 NSF or Courtesy Pay refund per year upon request)	Fee Amount $29 per presentment
Business Fees Non-Member Check Cashing (above $100)	Fee Amount $5 per presentment
Business Fees On-Us Non-Member Check Replacement	Fee Amount $5 per presentment
Business Fees Overnight/Express Shipping	Fee Amount $25
Business Fees Photocopy	Fee Amount $0.50 per page
Business Fees Statement Copy	Fee Amount $2 per statement
Business Fees Stop Payment	Fee Amount $32 per request
Business Fees Stop Payment - ACH, Card, Money Order and Cashier's Check (can be placed on money orders and cashier's checks only if lost or stolen)	Fee Amount $32 per presentment
Business Fees Uniform Commercial Code Search and Filing	Fee Amount At Cost
Business Fees Visa Gift Card Purchase ($25 minimum, $1,000 maximum)	Fee Amount $3.95 per card at branches, $5.95 per card online
Business Fees Wire Transfer - Domestic outgoing (in branch)	Fee Amount $25 per transfer
Business Fees Wire Transfer - International outgoing (in branch)	Fee Amount $50 per transfer
Business Fees Wire Transfer Trace - International (Fed fee pass directly to client)	Fee Amount At Cost
Business Fees Wrong Address	Fee Amount $10 per quarter

Business ATM and Card Fees
Business Fees	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fees Card Replacement	Fee Amount $5 per replacement ($25 per rush order)
Business Fees Non-Network Card Withdrawal at Sound ATM	Fee Amount $3.50 per transaction

Business Membership Requirement
Business Fees	Fee Amount
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Business Fees Membership Share/Savings	Fee Amount Keep a Share Savings (e.g. Business Savings) account open and in good standing. No minimum balance required.

Cannabis Business Account, Rates & Fees

Cannabis Business Checking
Earnings Credit	Dividend Rate	APY*	Minimum Balance to Open
Earnings Credit 0.10%	Dividend Rate N/A	APY* N/A	Minimum Balance to Open $0

Cannabis Business Account Fees
Account Fee	Fee Amount
Account Fee Application (non-refundable)	Fee Amount $500 per license
Account Fee Account Setup (upon approval)	Fee Amount $250 per account
Account Fee Late Documentation Fee (charged if required monthly sales data is not submitted within 30 days of due date)	Fee Amount $200
Account Fee Cash Courier Armored Transport	Fee Amount varies
Account Fee Analysis Account Monthly Maintenance	Fee Amount $15
Account Fee Cash (deposited or withdrawn)	Fee Amount $0.30 per $100
Account Fee ACH Services Only	Fee Amount $25 monthly
Account Fee ACH Debits and Credits	Fee Amount $0.12 per presentment
Account Fee Checks Cleared or Deposited	Fee Amount $0.30 per presentment
Account Fee Wire Transfer Services Only - Domestic	Fee Amount $25 monthly
Account Fee Wire Transfer - Domestic (online)	Fee Amount $15
Account Fee Remote Deposit Capture (RDC) Services Only	Fee Amount $25 monthly
Account Fee RDC Low Volume Scanner	Fee Amount $25 monthly
Account Fee RDC High Volume Scanner	Fee Amount $50 monthly
Account Fee Deposited Return Fee	Fee Amount $15 per presentment
Account Fee Minimum Monthly Analysis Fee	Fee Amount $300
Account Fee High Yield Sweep	Fee Amount $20

Routing Number

Business Rates Menu

Business Checking

Business Savings

Business Certificates

Business Credit Cards

Business Fees

Cannabis Business Account, Rates & Fees

Routing Number