Tired of combing through confusing checking account options hoping to find the right one for your business? Well your search is over! Sound Federal Credit Union offers four clear, convenient Business Checking Accounts to choose from…including a new UNIQUE high interest account.

All four accounts come with these exceptional Sound benefits:
• No Annual Fee Debit Card
• FREE Home Banking, Bill Pay, E-statements and Mobile Banking
• Access to more than 55,000 Surcharge-Free ATMs Nationwide
• No ATM Transaction Fees at Sound Federal Credit Union, Allpoint or MoneyPass ATM network machines, including ATMs located at CVS and Walgreens
• ID Protect®

Unique Value Checking

Finally, a checking account that is truly Unique. A high interest account with rates up to 5% (5.127% APY), no monthly service charges. You can now earn a higher rate of return on your everyday money, and still deposit or withdraw money from this account whenever you want. Just maintain a minimum average daily balance of $500 and it’s yours!

Basic Value Business Checking

Looking for a simple account with no minimums and no fees? Basic Value Checking is the right choice for you! Open this Checking Account and enjoy the freedom of no minimum balance and no monthly service charges.

Extra Value Business Checking

Want a Checking Account with great value? Open an Extra Value Checking Account and enjoy the added benefits of free Credit Monitoring, Identity Theft Protection, and Cell Phone Protection.

Premium Value Business Checking

Want a Checking Account that gives you access to your money at any ATM anywhere … surcharge-free? Then Premium Value Checking is the Sound choice for you! You’ll get all the benefits of Extra Value Checking plus we’ll reimburse you for your ATM surcharge fees! But that’s not all, we’ll even pay you interest on the money you keep in your account!

Which option is the Sound choice for you? Just compare the benefits of these exceptional Checking Accounts and open your account today!

Debit Cards

Sound Federal Credit Union Members who have a business checking account are eligible to receive a MasterCard® Debit Card. The card can be used for both ATM transactions and purchases. Rather than writing a check, you can hand merchants your Debit Card and the amount is automatically withdrawn from your checking account. Use it wherever MasterCard®, Maestro®, or CIRRUS are accepted.

IMPORTANT NOTICE:

For your protection, debit card transactions are limited or blocked in certain countries. If you are traveling abroad, please click here to view the list of countries.

FRADULENT ACTIVITY ON YOUR DEBIT CARD? LOST OR STOLEN CARD? PLEASE CONTACT US IMMEDIATELY. You have the option to deactivate and reactivate your Debit Card in the Home Banking Services tab. Please note that if you have permanently lost your card or it has been stolen you must still contact us. Stay safe and Sound.

MasterCard® SecureCode

MasterCard® SecureCode is a private code for your MasterCard® account that gives you an additional layer of online shopping security. Only you and your financial institution know what your code is — merchants aren’t able to see it.
Accepted Around the World
More than one million online merchants in 122 countries support transactions made with SecureCode. Look for the logo when you’re providing your payment information.

Fast, Simple, Convenient
SecureCode works with your existing MasterCard® account. Plus, it’s easy to activate and use.
Register today by clicking here

Overdraft Protection

Ever have one of those trying and embarrassing moments when your debit card is declined, or your check is returned? We can help you avoid these stressful moments when you make a Sound decision to opt into our Overdraft Protection program. It’s easy … just sign and return the opt-in form and we’ll take care of the rest!

Sound Options

Traditional IRA

Sound Federal Credit Union’s Traditional IRA offers tax-advantaged retirement savings for your IRA contributions or roll-over. You can invest, contribute, or roll-over your IRA in a fixed-rate, fixed-term IRA Certificate or IRA Money Market account – Sound planning.

Roth IRA

With a Sound Federal Credit Union Roth IRA, you make after-tax contributions and your earnings accumulate tax-free. All qualified distributions are entirely tax-free, and there’s no age limit. You can contribute as long as you have earned income and meet Adjusted Gross Income (AGI) requirements. Choose a fixed-rate, fixed-term IRA Certificate IRA or an IRA Money Market Account – Sound planning.
Please consult your tax adviser for details regarding contributory limitations, roll-over advantages, and withdrawal implications.

A Sound Choice for Borrowing

Business Autos and Light Trucks

Let Sound make financing your business Autos and Light Trucks quick and easy. We’ll finance up to 100% of your new or used car or truck with a great rate and a term of up to 72 months. We’ll even include tax and licensing fees, warranties, GAP protection and Debt protection in your financing package.
Already have a business Auto or Light Truck loan … we can take care of that too! Just make a Sound decision to refinance your existing loan and get the same exceptional rates and terms we offer for when purchasing your car or truck. So, what are you waiting for? Give us a call or apply online and start saving money today!
To apply, you can click on the button below, call (203) 977-4701 or stop by our office.

A Sound Choice When Buying Improved Real Estate

Buying improved real estate, whether it be a multi-family property or a building for your business, can be a bit overwhelming. Having a Sound financial partner with you to guide you through the entire process can mean all the difference and help you rest easy! We know the commercial mortgage lending business and can help make sure you get the right loan at the right price! Call or stop by our office today!

Refinancing Your Current Business-related Mortgage

Paying too much for your current loan? Want to keep more of your hard-earned money in your pocket? Make a Sound decision to refinance with us and start saving today! We have all the tools and the know-how to find you a great loan at a great rate! Call or stop by our office today and let your Sound partner help you start saving money today!

Equity Loans and Lines of Credit

Fixed Rate Home Equity Loans
A Sound equity loan is best for those who are interested in a fixed rate loan for improvements, debt consolidation or other expenses – Sound options.

• Competitive rates
• Terms up to 15 years
• Possible tax deductions (Consult Your Tax Adviser)

Equity Line of Credit

A Sound Equity Line of Credit is a revolving line of credit that allows you to borrow against your business’ real estate equity. Only use what you need when you need it. Enjoy the flexibility of choosing how much and when you will borrow – Make a Sound choice. 

Choose a Sound Option

With our range of Visa® credit card options you get to choose what works best for you.

Cashback

• Receive 1% cashback on all eligible purchases on your VISA Cashback Card
• Cashback rewards will be deposited into your account quarterly

Credit Builder (Secured)

• Use Your Savings as Collateral
• 9.90% APR* for Purchases and Cash Advances
• No Annual Fee
• Zero Liability for Unauthorized Transactions

*Please read our Visa® Credit Card Disclosure and Agreement for complete details. **The prime rate is current as it appears in The Wall Street Journal.

VISA DISCLOSURE

Report a Lost or Stolen Card

LOST OR STOLEN CREDIT CARD? PLEASE CONTACT US IMMEDIATELY. 

1. Call Sound’s Business Lending Department at 1 833-SOUNDFCU
2. Come by our office and speak to our Business Loan Specialist