General Questions

Online Banking offers instant access to all of your Sound Credit Union accounts 24/7, whether you’re at home, at work, or on vacation.

Use Online Banking to:

  • View account balances and history
  • Create budgets and track spending
  • Transfer money between your accounts
  • Review your dividend earnings
  • Access your eStatements and eNotices
  • View loan account information
  • Use Bill Pay to make payments
  • Transfer money to any member’s account
  • Apply for a loan
  • View and redeem Sound Rewards

Enroll in online banking today directly from! To get started, you’ll need your member/account number, access to your email account on file and your mobile device (if applicable).

You can also enroll directly from your mobile device by downloading the app from the Apple or Android stores.


Need your routing number and account number to set up your direct deposit or an electronic payment? Your MICR number can be found at the bottom of your checks (begins with 1, after the routing number 325183220, and continues up to the check number).

If you do not have checks, please call us or visit a branch location near you during regular business hours.

Our routing number is 325183220.

Note: For security reasons, we cannot send your account number via email. Thank you!

Below is a list of browsers currently supported by Online Banking. If you are unsure what browser version you are using, click here.

  • Internet Explorer (latest version)
  • Microsoft Edge (latest version)
  • Mozilla Firefox (latest version)
  • Google Chrome (latest version)
  • Safari for Mac 10 or 11

To protect your account information, Sound will automatically freeze your account after a series of failed log in attempts. You will need to contact Sound Credit Union by phone or in person and complete a verification process to unfreeze your account.

This means that our Online Banking system is temporarily down. In most cases, it is because Sound’s technical team is performing routine maintenance on the system. Members are generally notified of the outage prior to any maintenance.

If you are using Microsoft Internet Explorer and you have Secure Sockets Layer (SSL) turned off, you will receive an error message stating that the webpage cannot be displayed. You must turn on SSL in order to access your Online Banking account.

Log into online banking and access the “My Settings” area. Under “Login & Security” click “Edit” next to the credential you wish to change and click “Save.”

If you forgot your online banking password, click the “I can’t access my account” link on the login screen and follow the prompts to be sent a temporary password.

For additional assistance, reach us over the phone or at a branch.

For Online Banking to function properly, cookies must be enabled in your web browser. Blocked cookies are the most common reason for errors experienced in Online Banking.

A cookie is a small file that is placed on your computer by a website in order to customize your experience. Online Banking uses a “session cookie” which deletes itself when you close your web browser. The cookie verifies that you are still logged in to the site when you click between different menus. The Online Banking cookie does not contain any personal information.

There are several different ways to determine whether you have cookies turned on, or enabled, depending on the browser you are using. For instructions on how to enable cookies and then clearing your cache, please use your browser’s instructions below.

Not sure what version of your browser you are using? Click here to identify your browser.

Bill Pay

When you use Bill Pay in online banking or mobile banking, funds are debited via ACH 1 to 2 business days after the specified Send On date (this goes for both check and electronic bill pays).

Allow at least 2 business days for electronic payments and 4 business days for check payments. The Bill Pay cutoff is 7:30 p.m. PT for that business day.

eBills are electronic versions of paper statements or bills. Your biller’s “eBill” arrives in your Bill Pay account service just as a biller’s “paper bill” arrives in your mailbox. Bill Pay allows you to view all your eBills—as well as account balances, transactions and statement information—in one convenient place.

Bill Pay offers you an easy way to make payments without having to write a check. You can schedule one-time and recurring payments to your payees, track your payment activity, receive eBills, and more. Funds will be automatically deducted from your checking account. Bill Pay is available through Online Banking or our Mobile app.

Bill Pay is free for all Sound members with Online Banking and a checking account using standard processing methods. Expedited payments include a service charge and will be presented and disclosed at the time of the transaction.

If you have a Sound Credit Union checking account, sign in to Online Banking and click the Bill Pay tab to get started. If you don’t have Online Banking access, enroll today!

Note: For your security, Bill Pay access on your account will be removed if you are not enrolled in eStatements and there is no Online, Mobile, or Bill Pay activity for twelve 12 months. You may sign up again and re-set your payees.

Each Online Banking account at Sound is connected to a specific member number.

Bill Pay payments will come out of the checking account associated with the member number you logged in to Online Banking with.

If you have multiple checking accounts associated with your member number, you will be able to select the account you would like to withdraw funds from for Bill Pay using the drop-down menu.

Should you experience any issues with Bill Pay, please call our Contact Center at 800.562.8130.

You can pay almost any company or business in the US, including companies that send you bills, like your telephone or utility company.

Payments are generally made in 3-7 business days, depending on when the payment is made and the type of payee.

Payments can be submitted at any time, day or night. Estimated send and arrival times are automatically displayed during the scheduling process. We recommend scheduling first payments in advance to ensure timely delivery. Payments are electronically debited from your account on the process date.

eStatements & eNotices

If you already receive eStatements and we have asked you by email or in the branch to sign up for eStatements again, it is to protect your privacy by sharing our most recent digital services agreement with you.

It’s easy to do. Simply login to Online Banking on our website, select the eStatements tab and read and agree to the terms–that’s it!

An eStatement is an electronic version of your account statement. It serves as an alternative to a paper, mailed statement from Sound.

eNotices are electronic versions of important account notifications. Notices include certificate maturity notifications, past due payment reminders, change in terms announcements, and more.

This free service is available to all Sound members with a valid email address and Online Banking account access. To sign up, log in to Online Banking and click on the “eStatements” tab.

Nothing, this is a free service.

By making the switch you can:

  • View and print account statements and notices online 24/7
  • Receive electronic versions up to a week faster than paper delivery
  • Get organized and say goodbye to filing and shredding
  • Reduce the risk of mail fraud and identity theft
  • Save paper, reduce waste, and shrink your carbon footprint

To access your statements and notices online, sign in to Online Banking and click the eStatements tab.

You will receive an email letting you know a new notice or statement is ready to view.

If you are not receiving email notifications, there are a few things you can check:

  1. Log into Online Banking and click the “Settings” button to check that your email address is current and correct.
  2. Log into your email account and check your spam or bulk folders for messages from Sound. If they are being filed here, add Sound Credit Union to your address book to ensure notifications go to your regular inbox.

Even if you have not received an email notification from us, you can still log in to Online Banking to view your statements and notices. Statements are generally available on or around the third of each month (depending on holidays and weekends).

Yes, your personal and financial information is protected behind multiple layers of security.

To view or obtain copies of your online statements, log in to Online Banking, then:

  1. Click on the “eStatements” tab.
  2. Find the account you want to view and select the date for the statement you’re interested in viewing from the scroll box. Click “View Statement.”
  3. A PDF version of your statement will appear in a new tab. You can save or print your statements by clicking on the disk or printer icons above the statement image.
  4. To return to your list of available statements, close the new tab.
  5. For older statements, contact Sound Credit Union directly.

*A PDF viewer such as Adobe Reader is required to view eStatements.

We will discontinue your paper statements and notices when you sign up for eStatements delivery. You can view, save and print your eStatements at any time, and they are legally the same as the paper version we mail to you.

Yes, your electronic statement is the same as your paper statement and is considered an official document. It contains all the information that is included on your paper statement.

Contact us to resume receiving paper statements and notices in the mail.

Check images are not available with eStatements, but are available within Online Banking.

You will find up to 12 months of statements and notices available online, however Sound Credit Union retains statement copies for up to seven years. To access a statement over 12 months old, contact us and we’ll send you a copy via email or mail.

Tax statements are available for up to 24 months.

Yes, pop-ups need to be allowed to view eStatements and eNotices. If you have pop-ups blocked and wish to maintain this setting, some browsers will give you the option to choose specific sites to allow pop-ups. To view statements online, step-by-step instructions on how to update your settings to allow Online Banking ( as a trusted site, or turn your pop-up blocker off for all websites, are provided below.

Internet Explorer
Mozilla Firefox
Google Chrome
Apple Safari*
Windows 10 Edge

*Apple Safari does not give you the option to choose to allow pop-ups from specific websites.

If you have a pop-up blocker running, it may block eStatements from appearing. If this is the case, please change your internet browser settings to allow pop-ups. Once you have done this, close out of your browser completely and re-launch the site again to access eStatements.

If you continue to have issues, please contact us.

Multiple Account View

When added to your Online Banking account, Multiple Account View allows you to see account information for any account where you are listed as the primary or joint account holder. You’ll be able to check balances and make transfers or withdrawals without having to log in to multiple Online Banking accounts.

Note: Some services are only available for the main account you are logged in to. These services include Bill Pay, Change Password, eStatements, and Courtesy Pay. To access them for another account, you must first log in to that account.

Adding this feature is quick and easy, but does require a call our Contact Center or visit one of our local branches and ask to have Multiple Account View added to your Online Banking account.

Only members who are listed on your account as a primary or joint account holder will be able to view your account information with Multiple Account View.

This is a free feature available to all Sound Credit Union members with an Online Banking account.

No. Joint owners are equal owners on the account and have access to all information and transactions made on that account.

The names listed next to your accounts signify the primary account holder of those accounts. Account numbers listed without names (usually the first accounts listed), indicate that you are logged in to that account. The primary member’s name will be listed above the account summary.

Multiple Account View only allows you to view account histories, make transfers and withdrawals, and view recent activity across accounts. Bill Pay is linked to only one account at a time. To pay bills from a different Sound account, you will need to log in to Online Banking for the account you would like to pull funds from.

Direct Connect

Direct Connect allows a secure two-way interface between the credit union and Quicken or QuickBooks. This allows you to receive real-time account balances, transaction activity and make transfers between your Sound accounts from within your Intuit software.

If you encounter problems connecting Direct Connect, try resetting your Direct Connect password in Online Banking. This is done by selecting the Additional Services tab and selecting Connect to Quicken/QuickBooks. Your Quicken/QuickBooks password must be different from your Online Banking password.

Direct Connect allows you access to your Online Banking accounts through Quicken/QuickBooks. You can download your transactions and balances, transfer funds between eligible accounts, see all your finances on one page, and utilize the personal financial management tools that Quicken/QuickBooks has to offer.

If you encounter problems connecting Direct Connect, try resetting your Direct Connect password in Online Banking. This is done by selecting the Additional Services tab and selecting Connect to Quicken/QuickBooks. Your Quicken/QuickBooks password must be different from your Online Banking password.

If you have trouble connecting using Direct Connect, try resetting your Direct Connect password in Online Banking. This is done by selecting the Additional Services tab and selecting Connect to Quicken/QuickBooks. Your Quicken/QuickBooks password must be different from your Online Banking password.

There is no fee from the credit union to use Direct Connect. However you must own or purchase Quicken or QuickBooks to use Direct Connect.

Yes, Direct Connect is fully secured with support for 128-bit encryption. We authenticate your identity based upon your user ID and password.

Yes, Online Banking is required to use Direct Connect with Quicken or QuickBooks.

To connect to Quicken/Quickbooks using Direct Connect, you will need to login to Online Banking and select Additional Services. Under Additional Services, select Connect to Quicken/QuickBooks and set your Direct Connect login and password. Your Quicken/Quickbooks password must be different than your Online Banking password.

Choose the appropriate Getting Started Guide for your version of Quicken or QuickBooks and your operating system:

If you encounter problems connecting Direct Connect, try resetting your Direct Connect password in Online Banking. This is done by selecting the Additional Services tab and selecting Connect to Quicken/QuickBooks. Your Quicken/QuickBooks password must be different from your Online Banking password.

You will be able to view at least 14 months of your account activity (some Certificates are more) and at least 24 months of loan activity.

For information on supported versions of Quicken and QuickBooks software, please link to the following Intuit pages.

Quicken: Quicken Discontinuation Policy
QuickBooks: QuickBooks Service Discontinuation Policy and Upgrade Information 


After logging in to Online Banking, click on the “My Settings” tab. Under “Login & Security”, click the “Edit” link next to Password. Once you enter a new password and click “Save”, you’ll receive a confirmation email.

Passwords must be a minimum of six (6) characters and needs to be a combination of letters, numbers and symbols. Passwords are case sensitive. BEACHBALL, beachball, and beachBall are the same word, however the system treats them as three separate passwords.

Login Security is an online security feature that provides an additional layer of protection from fraud and identity theft by preventing unauthorized access to your secure financial information. Login Security uses technology to verify your identity.

Login Security allows us to recognize you as the true owner of your account by recognizing not only your login information but also your computer. If we don’t recognize your computer, you will be requested to receive a new verification code sent to your phone either via text or voice call in order to authenticate yourself into the Online Banking experience.

Online Banking uses the latest Internet security technology, including secure communications (SSL), firewalls, encryption and operating systems that have been designed to provide maximum security.

We also disable inactive accounts without eStatements or Mobile Banking to reduce member exposure to fraud.

The first time you log in to Online Banking we will automatically prompt you to set up Multi-Factor Authentication.

Contact Sound

Stop by a local branch

Find a branch

Email Us

Please do not include personal information such as your account number of social security number.

Email Us

Call us

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