General Questions

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
  • Sign up for text banking

All you need to access Mobile Banking is an Online Banking ID and password and our mobile app.  To enroll in Online Banking, visit your local branch or call our Contact Center. You can learn more about our mobile app by visiting our Mobile Banking page.

No, Mobile Banking requires entering your Online Banking ID and password. To sign up for Online Banking, visit your local branch or call our Contact Center. Once you’ve logged into Online Banking and updated any temporary passwords, you can access your accounts using our mobile app.

If you need help setting up mobile banking or have questions about how to use it, please contact us.

You can enroll in online banking at a branch or over the phone. For hours, locations and contact information visit our Contact Us or Branches and ATMs pages.

Branches and ATMs »
Contact Us »

Once you are signed up for Online Banking, feel free to download the Sound mobile app on your phone.

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. By using the dropdown menu, you can choose 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 newest 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)

Yes, a data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

Mobile Bill Pay

In Mobile Bill Pay you can pay bills, view 90 days of payment history, view and cancel scheduled payments, and cancel the next payment in a recurring series.

For your security, payees cannot be added or revised in Mobile Bill Pay.  Adding, updating, or deleting payees must be done from within Bill Pay in Online Banking.

Yes, you can cancel a recurring payment scheduled in the current month.  If you wish to cancel more than one payment in a series or one scheduled outside of the current month, you will need to access Bill Pay in Online Banking.

Yes, you can see up to 90 days of paid, canceled and scheduled payment history.

Mobile Deposit

Mobile Deposit 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 only accessible within our mobile app. To learn more about our app, see our Mobile Banking page.

  1. Before you begin, properly endorse your check.
  2. Sign in to Mobile Banking and select “Mobile 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.

There is no charge to use Mobile Deposit, but standard data rates from your carrier may apply.

  • 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 image properly.

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 recommended holding onto any check you deposited through Mobile Deposit for 90 days. After the 90 days, you should securely destroy the check.

Eligible devices include:

  • iPhone (iOS 5.1.1 or higher), iPad 3, iPad Mini, iPad Touch. Older devices without a camera, such as the first version of iPad are not supported.
  • Android (2.1 or higher) with a 2 megapixel camera or greater that supports auto focus. Kindle Fire devices with back-facing camera.

You must also download and install the latest version of the Sound CU Mobile App from the Google Play, Apple, or Amazon App stores.

  1. Sign in to the Sound mobile app and select “Mobile Deposit.”
  2. Select “View History” from the menu.
  3. Click on a deposit to view the transaction details, including check copy.
  • Make sure you are using a supported device.
  • All four corners of the check must be visible in both images.
  • A contrasting background will make depositing the check easier. A similar colored background may make it difficult for the app to recognize the check amount.

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.

While we can’t help you find your phone, if you give us a call, we can unfreeze your card for you.

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.

Pay Anyone

To send a payment, log into the Sound mobile app and go to “Pay Anyone” in the menu. Enter your payment and recipient information. Money will be taken from your account at that time.

PayPal will notify your recipient that the money is waiting. To access the money, the recipient will sign into their PayPal account and claim the payment. Recipients without a PayPal account will need to create an account before they are able to accept any funds.

Sound members with access to the Sound mobile app can send money with Pay Anyone.

No, you don’t need a free PayPal account to send money.

PayPal account holders receive money directly into their PayPal accounts. If recipients do not have a PayPal account, they can open a free PayPal account and link it with an email address or mobile phone number.

When the recipient logs into PayPal, they can spend the money online at any merchant that accepts PayPal, transfer the money to an account at another financial institution, or request a check (fee applies for check request).

Recipients are notified right away that they’ve received money. The funds transfer quickly to the recipient’s PayPal account. Recipients without PayPal accounts are prompted to set one up. Once the account setup is complete, the funds will appear. Then, the recipient can spend the money at merchants who accept PayPal , or transfer the funds to an account at another financial institution. While funds are transferred right away, it can take up to three business days for the transfer to their other account to be completed.

Sending money through Pay Anyone is free for Sound members. The amount you send is debited from your Sound account.

If you send money to family or friends, they won’t pay anything to accept the money, but PayPal may change a fee to any business accepting your Pay Anyone payment.

No, the person receiving money doesn’t need to be a Sound member. However, the recipient will need a PayPal account (or must sign up for a PayPal account if one does not exist) to access the money.

To receive the money, yes, they will need an account. If they don’t have one, PayPal includes instructions in their payment notification message on how to open an account.

If the email address or mobile phone number you entered for the recipient is registered to a PayPal account, the funds will be transferred immediately. You are responsible for entering the correct email address or mobile phone number for the recipient. If you type in an incorrect email address or mobile phone number, the payment can be canceled as long as the payment has not been claimed on the PayPal system. Once the payment is claimed, it cannot be canceled.

No, recipients only see that you have sent money to them. Your financial information is secure. PayPal uses the highest levels of data encryption available, and meets or exceeds all Payment Card Industry compliance standards for data protection.

If the recipient’s email address or mobile phone number is not associated with a PayPal account and the recipient does not link it to an existing PayPal account or open a new PayPal account within 30 days, PayPal will return the unclaimed payment to the credit union. We will then return the payment to your Sound account.


Your account information is protected by your unique account ID 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 update your Online Banking password on a mobile device, log into your account using the following link:

Only devices with a fingerprint scanner will see this option.

iOS supported devices:

  • iPhone 5S
  • IPhone 6 & 6 Plus
  • 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 last 5 transactions.

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

Log into the Sound mobile app and select “Text Banking” from the menu. From there, follow the prompts to register your phone for Text Banking.

After you are enrolled in Text Banking, send any of the keywords below to 86020:

  • B—current account and loan balances
  • H—history of last 5 transactions
  • H acct— history of last 5 transactions on your requested account (i.e. H S10 or H L41)
  • X—transfer funds from a designated account to a designated account (i.e. X S10 L41 50.00)
  • MENU—list of keywords
  • STOP—deactivate service

The following carriers are supported on Text Banking:

  • Alltel
  • AT&T
  • Boost
  • Cincinnati Bell
  • Cricket
  • Metro PCS
  • Nextel
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile

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Saturday: 9am to 1pm

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