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Card Controls

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.
Recurring payments will not process while a card is turned off.
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.
To add a Travel Note, log into Online or Mobile Banking and select “Travel Notes” from the “Cards” section of the “More” menu. Next, select the “+” icon, choose the cards you wish to include, enter your dates and destination(s), and “save.”

General Questions

How to Cancel Your Online and Mobile Banking Services (Digital Banking)

Your Online and Mobile Banking Services (Digital Banking) remain in effect until they are terminated by you or us.  You may cancel your services anytime by notifying us of your intent to do so. Contact us in the way that's easiest for you, from the options available on our Contact Us page. Contact Us   Cancelation of Digital Banking will result in the following:
  • Applies to your Digital Banking profile only and does not close your Sound Credit Union accounts.
  • Usage history, account information and online activity will be retained in compliance with regulatory guidelines.
  • User ID and Password will be deleted, removing your access to Digital Banking.
  • Any scheduled recurring payments through Digital Banking will be cancelled.
  • Access to Bill Pay will be removed. We strongly suggest you cancel any recurring payments and electronic bills, wait until you have reviewed your first paper statement from the biller, and setup another method for payment.
  • Access to eStatements will be removed and you'll receive paper statements going forward.
Account nicknames, can be set up in Online or Mobile Banking. In Online Banking, go to the “Accounts” section under the “Settings” tab. Use the corresponding fields to edit nicknames for either deposit or loan accounts. In Mobile Banking, go to “More” and then “Settings.” Account nicknames can be change under the “Account Preferences” section.
Enroll in Online or Mobile Banking from a personal computer or device or by downloading the Sound app.

Before you begin, have the following items ready.

  1. Access to your current email address -or- your mobile device
  2. Your SSN/TIN/EIN
  3. Your Sound Credit Union member number (account number)
  4. You will be prompted to create a username and password
Learn more about the Sound mobile app »
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
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.
The mobile app is available on iOS (Apple) and Android devices running the most current operating systems and the previous two versions.
For our latest apps to function properly, the following mobile operating systems are required:
  • iPhone iOS 11.0 or higher
  • Android OS 6.0 or higher (marshmallow version or later)
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.

Mobile Bill Pay

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 well in advance to ensure timely delivery.
You can pay almost any company or business in the US, including companies that send you bills, like your telephone or utility company.
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.
Should you experience any issues with Bill Pay, please call our Contact Center at 800.562.8130.
Each online/mobile 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 with.
If you have a Sound Credit Union checking account, sign in to online or mobile banking and click Bill Pay under the Payments tab to get started. If you don’t have online or mobile 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.
Bill Pay is free for all Sound members with online or mobile 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.
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.
Allow at least 2 business days for electronic payments and 4 business days for check payments. The Bill Pay cutoff is 2:00 p.m. PT for that business day.
When you make a payment using Bill Pay, funds are debited on the “Send” date (this applies to both check and electronic bill payments).
Tell us the day you want your payment sent and we take care of the rest. Use the calendar widget when scheduling payments to assist in scheduling the payment delivery date. Available dates will be displayed. Unavailable dates including weekends, holidays, or a date that would not allow us to deliver the payment in time are grayed out and not selectable.
Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:
  • Tax payments to the Internal Revenue Service or any state or other government agency.
  • Court-ordered payments, such as alimony or child support.
  • Payments to insurance companies.
You will not be notified if you attempt to make any of these payments and we will not be liable for these prohibited or discouraged payments.
The last 24 months of payment history and eBills are available online for you to view. If for some reason you need payment information dating back past 24 months, give us a call and we will help you retrieve that information.
Click the settings icon and choose Manage Billers. Find the payee in your list and click on it. The window will open allowing you to perform the following tasks:
  • Biller Information: add or edit your payee account information.
  • eBill Detail,: set up, view your bill, and manage your eBill settings. This sectiononly appears if an eBill is available for the payee.
  • Recent Activity: view recent activity and make a payment.
  • Group Filters: add, edit and manage group filters.
  • Delete payee: permanently deletes this payee from the system. If you need to make a subsequent payment to a deleted payee, you will need to add that payee again.
To add a new payee, select “Bill Pay” for the Payments menu” Type the name of the person or company in the “Need to pay someone new?” field at the top of the main bill pay page and click “Add.” Fill out the form, click the “Add Payee” button and you are ready to make a payment.
Note: If you don’t have any payees set up, or just a few, we will suggest some common payees at the bottom of the page. If you see your payee there, click their name to begin the add payee process.
When adding a payee (or trying to edit your payee later), don’t be alarmed if we do not ask you for an address to which to send your payment. This just means that we have a relationship with this payee where we either pay them electronically, or the payee asked us to send payments to an address that might not match the address they give you on your bill.
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 and our Mobile app.

Mobile Deposit

No, Mobile Deposit is free. However, data rates from your carrier may apply.
We recommend holding onto any check you deposited through Mobile Deposit for 90 days. After 90 days, you can securely destroy the check.
The first $225 of your total daily deposits is available immediately. The next $5,300 is available after three business days. Any remaining amount is available after five business days.
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 $225 of your accumulated daily Mobile Deposits will be available at the time of deposit.
  • The next $5,300 will be available in three business days.
  • Any remainder available in 5 business days.
  1. Properly endorse your check with “For SoundCU Mobile Deposit Only” included.
  2. Sign in to the mobile app 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.
  • 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.
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 “Mobile Deposit” icon at the bottom of the screen to get started.
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.

Pay Anyone

No, the person receiving money via Pay Anyone does not need to be a Sound member. However, the recipient will need to complete a simple registration process with Pay Anyone to receive the funds.
Sending money through Pay Anyone Standard Delivery is free for Sound members.
Pay Anyone is a payment service that makes sending and receiving money from your current bank account as easy as emailing and texting. You can access Pay Anyone under the Move Money tab in Digital Banking.


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
To change your digital banking 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”
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.

Text Banking

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
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
Sound does not charge to use Text Banking, but standard fees for text messaging through your carrier may apply.
With Text Banking you can check balances, transfer money between your accounts and get a list of your recent transactions.