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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.
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.

Direct Connect

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
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.
Choose the appropriate Getting Started Guide for your version of Quicken or QuickBooks and your operating system. Learn More About Connection Types in Quicken If you encounter problems connecting Direct Connect, try resetting your Direct Connect password in Online Banking. This is done by selecting the More tab and clicking Connect to Quicken/QuickBooks under Additional Services. Your Quicken/QuickBooks password must be different from your Online Banking password.
Yes, Online Banking is required to use Direct Connect with Quicken or QuickBooks. To set up your Direct Connect login and password, login to Online Banking, select the More tab and click Connect to Quicken/QuickBooks under Additional Services. Your Quicken/QuickBooks password must be different from your Online Banking password.
Yes, Direct Connect is fully secured with support for 128-bit encryption. We authenticate your identity based upon your user ID and 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.
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.
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.
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 More tab and clicking Connect to Quicken/QuickBooks under Additional Services. Your Quicken/QuickBooks password must be different from your Online Banking password.

eStatements & eNotices

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.
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 (soundcuonline.com) as a trusted site, or turn your pop-up blocker off for all websites, are provided below. 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.
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.
Check images are not available with eStatements, but are available within Online Banking.
Contact us to resume receiving paper statements and notices in the mail.
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.
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.
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.
Yes, your personal and financial information is protected behind multiple layers of security.
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).
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
Nothing, this is a free service.
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.
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.
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!
To access your statements and notices online, sign in to Online Banking and click the eStatements tab.

General Questions

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.
  • Google Chrome
  • Mozilla Firefox | Version 53 or 54
  • Safari for Mac | Version 9 or 10
Not sure what version of your browser you are using? Click here to identify your browser.
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.
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.
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.
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.
Below is a list of browsers currently supported by Online Banking. If you are unsure what browser version you are using, click here.
  • Microsoft Edge (latest version)
  • Mozilla Firefox (latest version)
  • Google Chrome (latest version)
  • Safari for Mac 10 or 11
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.”
Need your routing number and account number to set up your direct deposit or an electronic payment? Your ACH 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) or in Online or Mobile Banking. For details, visit Direct Deposit at Sound. Our routing number is 325183220.
Note: For security reasons, we cannot send your account number via email. Thank you!
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
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.”
Enroll in online banking today directly from soundcu.com! 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.

Multiple Account View

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.
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.
No. Joint owners are equal owners on the account and have access to all information and transactions made on that account.
This is a free feature available to all Sound Credit Union members with an 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.
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.
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.


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