Mobile Deposit

Mobile Deposit is a feature in the Sound Mobile App that lets you quickly deposit checks from anywhere using your mobile device. Just take a picture of the front and back of your check, enter the check information, and securely submit your deposit.

Mobile Deposit is accessible through the Sound Mobile App after your first thirty (30) days of Sound membership. After logging into the app, click the “Check Deposit” icon at the bottom of the screen to get started.

  • Checks must be made payable to only you.
  • Checks must not be drawn on a foreign bank or payable in a foreign currency.
  • Checks must not be altered in any way.
  • Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
  • Checks must not be dated more than six months prior to the date of deposit.
  • Checks must not have previously been returned stop payment or account closed.
  • Savings Bonds are not eligible.
  • Checks with ‘busy’ backgrounds may not scan properly.
  1. Properly endorse your check with “For SoundCU Mobile Deposit Only” included.
  2. Sign in to the mobile app and select “Check Deposit.”
  3. From the drop down menu, select the account where you want to deposit your check.
  4. In the “Amount” field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
  5. Follow the directions to take a picture of the front and back of your check. Make sure your check is placed on a well-lit, flat surface that is a different color than your check.
  6. After you have successfully taken photos of your check, you will see small thumbnail image previews on the check deposit screen.
  7. Review your entries and submit your check.
  8. If you have multiple checks, you can deposit them one at a time.

Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Check your “Deposit History” to see your deposit status.

  • The first $200 of your accumulated daily Mobile Deposits will be available at the time of deposit.
  • The next $4,800 will be available in three business days.
  • Any remainder available in 5 business days.

The first $200 of your total daily deposits is available immediately. The next $4,800 is available after three business days. Any remaining amount is available after five business days.

We recommend holding onto any check you deposited through Mobile Deposit for 90 days. After 90 days, you can securely destroy the check.

No, Mobile Deposit is free. However, data rates from your carrier may apply.

General Questions

The mobile app is available on iOS (Apple) and Android devices running the most current operating systems and the previous two versions.

 

If you’re trying to access the iOS Mobile App for the first time and get an error message that says, “Sorry. No destinations at Host, please contact FI” please take these steps:

  • Access the new system from our full site at www.soundcu.com.
  • Once successfully logged in, add your mobile phone number under “My Settings > Login & Security” and ensure that “text” is enabled.
  • Then, log in through the app again using your new username and password.

Mobile Banking lets you access your accounts on the go from your mobile phone using the Sound mobile app. Below are some of the convenient features available in Mobile Banking.

  • Deposit checks
  • Pay bills
  • Check balances
  • Search recent account activity
  • Transfer funds between accounts
  • Send money to friends and family
  • Freeze and unfreeze debit and credit cards

Simply download the Sound app from your device’s app store and use your Online Banking username and password to sign in, or enroll to get started. You can learn more about our mobile app by visiting our Mobile Banking page.

Enroll in Online or Mobile Banking from a personal computer or device or by downloading the Sound app.

You’ll need your Sound member number handy for enrollment and will be prompted to create a username and password.

Learn more about the Sound mobile app »

Account nicknames, even those seen in the app, are set up in Online Banking. To change any of these, log into Online Banking and go to the “Accounts” section under the “Settings” tab. Use the corresponding fields to edit nicknames for either deposit or loan accounts.

In addition, nicknames for alternate accounts will also show on all our Mobile platforms. However, they must be updated from within Online Banking by logging into the alternate account directly.

For our latest apps to function properly, the following mobile operating systems are required:

  • iPhone iOS 7.0 or higher
  • Android OS 4.0 or higher (ice cream sandwich version or later)

Mobile Bill Pay

Whether you’re accessing Bill Pay from your personal computer or mobile device, you’ll notice similar features and functionality. You can manage bills and payees, view payment history, view and cancel scheduled payments.

Yes, you can cancel a recurring payment in Mobile Bill Pay. Whether you’re accessing Bill Pay from your personal computer or mobile device, you’ll notice similar features and functionality.

Yes, you can see Bill Pay history in the mobile app; paid, canceled and scheduled payment history.

Keep in mind that due to our recent digital banking conversion, Bill Pay history is available as of May 9, 2018 moving forward.

Card Controls

Yes, we recommend you call us to add your contact phone number when you’re traveling.

Travel dates update during end of day processing. Because of this, same day travel cannot be scheduled within the app. For same day travel notices, please call our Contact Center.

Card controls are available in Online Banking, as well as through the Mobile App. Manage your cards by accessing your account from a personal computer or different device. You can also call our Contact Center for assistance.

Recurring payments will not process while a card is turned off.

Cards are frozen and unfrozen almost immediately, but you may see a delay if your card is turned on or off during Sound’s day-end processing.

Popmoney

Popmoney is a payment service that makes sending and receiving money from your current bank account as easy as emailing and texting. You can access Popmoney under the Move Money tab in Digital Banking.

Sending money through PopMoney Standard Delivery is free for Sound members. Expedited delivery is $5.

No, the person receiving money via Popmoney does not need to be a Sound member. However, the recipient will need to complete a simple registration process with Popmoney to receive the funds.

Security

Your account information is protected by your unique username and password combination. Do not share this information.

If your device is lost or stolen, please notify us right away. We can discuss additional security options with you at that time. If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service.

To change your password from a mobile device:

  • Log in and click the “More” icon at the bottom of the screen
  • Choose “Settings”
  • Choose “My Settings”
  • Scroll down and click the “Edit” link next to Password
  • Select a new password and click “Save”

Only devices with a fingerprint scanner will see this option.

iOS supported devices:

  • iPhone 5S
  • IPhone 6 & 6 Plus and newer
  • iPad Air 2 & iPad Mini 3

Android supported devices:

  • Galaxy S5 and newer
  • Galaxy Note Edge
  • Galaxy Alpha
  • Galaxy S5 Mini

Text Banking

With Text Banking you can check balances, transfer money between your accounts and get a list of your recent transactions.

Sound does not charge to use Text Banking, but standard fees for text messaging through your carrier may apply.

To activate Text Banking, log in to Online or Mobile Banking. From the “Additional Services” menu, choose “Alerts & Text Banking”. From there, follow the prompts to register your phone for Text Banking and note the menu of commands.

Once you are enrolled in Text Banking, send any of the commands below to 454545:

  • BAL — Primary balance
  • BAL ALL — All balances
  • BAL CHK — Checking balance(s)
  • BAL SAV — Savings balance(s)
  • LAST — Last 5 transactions
  • TRANS — Transfer funds to primary account
  • HELP — Help keywords
  • STOP — Deactivate service

Once you are enrolled in Text Banking, send any of the commands below to 454545:

  • BAL — Primary balance
  • BAL ALL — All balances
  • BAL CHK — Checking balance(s)
  • BAL SAV — Savings balance(s)
  • LAST — Last 5 transactions
  • TRANS — Transfer funds to primary account
  • HELP — Help keywords
  • STOP — Deactivate service

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Monday-Friday: 8am to 6pm
Saturday: 9am to 1pm

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