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Personal Deposit Services
 
Checking and Savings Plans
First, we designed our checking accounts to meet your basic financial needs. Then, we added special features to each one to ensure that you had an account tailored for you. Review what we offer to find the services that meet your needs. You’ll see that we stand by our motto of:
Sound Thinking, Solid Results.
Green Coast Checking
Green Coast Checking is designed to meet your checking needs in a straight forward, uncomplicated way. In order to qualify for a Green Coast Checking Account, customer must receive statements electronically.
Monthly Service Charge $0
Minimum Balance $0
Per Check Charge $0
Amount Required to Open Account $100
Number of Checks Allowed Per Month Unlimited
Additional Requirements Electronic Statements
 
Coast Checking
Coast Checking is designed to meet your checking needs in a straight forward, uncomplicated way.
Monthly Service Charge $0 (as long as a $100 minimum balance is maintained - if not, there is a $2 monthly fee)
Minimum Balance to avoid service charge $100
Per Check Charge $0
Amount Required to Open Account $100
Number of Checks Allowed Per Month Unlimited
Senior Checking
Senior checking is for our customers aged 55 and over. It comes with all the features of Coast Checking with no service charge, plus there is no charge for your first order of checks.
Money Market Deposit Account
A Money Market Deposit Account provides competitive money market interest rates, tiered to pay you more as you save more. Interest tiers are: less than $1,000, $1,000-$9,999, $10,000-$49,999, $50,000-$99,999, and $100,000 and over.
Monthly Service Charge $0
Number of Items Allowed Per Month 6 withdrawals
Per Check Fee Over Allowed Number $15
Amount Required to Open Account $100
Account Balance Required to Earn Interest $1,000 or more
Sound Advantage Checking
Sound Advantage Checking offers competitive interest rates, tiered to pay you more as you save more. There is no monthly fee as long as you keep a $1,000 balance in your account or have a $25,000 CD or a $15,000 credit line with Sound Bank. Balance tiers are: Less than $1,000, $1,000 - $9,999, $10,000 - $49,999, $50,000 - $99,999, and $100,000 and over.
Monthly Service Charge $0 (as long as one of the balance relationships is maintained - if not, there is a $15 monthly fee)
Min. Balance to Avoid Service Charge $1,000 in your Sound Advantage Account or $25,000 in a Sound Bank CD or a $15,000 Sound Bank Line of Credit
Per Check Charge $0
Amount Required to Open Account $100
Number of Checks Allowed Per Month Unlimited
Custom Checks Free
Credit Card (You must Apply and Qualify) No Annual Fee
American Express Traveler’s Checks No Fee
Small Safe Deposit Box (Subject to Availability) Free
Regular Savings
A regular savings account provides one of the building blocks for saving for the future. It is a safe way to put money away and earn interest so that your account grows steadily.
Monthly Service Charge $0
Number of Withdrawals Allowed 2 per month ($5 each for every withdrawal over 2)
Amount Required to Open Account $100
Certificates of Deposit
A Certificate of Deposit offers the flexibility of a short-term investment or the earning power of a longer-term investment – whichever meets you needs. For added savings, your interest may be reinvested in your certificate, or if you prefer, we can deposit your interest into your Sound Bank checking or savings account. For your convenience, all of our certificates are automatically renewable.
Amount Required to Open Account $500
Terms 3 months to 5 years
Individual Retirement Accounts
An Individual Retirement Account (IRA) is a great way to save for retirement. Sound Bank has many options available, including Roth, Educational and Traditional IRAs. Your selection depends on your individual investment goals. Depending on the option you choose, a Sound Bank IRA provides either tax-deferred or tax-free savings at competitive interest rates. With a minimum opening deposit of $500, you can open a Sound Bank IRA today.
 
Additional Services
 
Sound Overdraft
Sound Overdraft, a credit plan for overdraft protection is available on any Sound Bank checking account. Applications are subject to credit approval. Please see your customer service representative for details and an application.
Sound Bank MasterCard CheckCard
For your convenience, Sound Bank offers a MasterCard CheckCard that can be used as an ATM card – at any ATM, foreign or domestic – and to make purchases anywhere that MasterCard or Cirrus cards are accepted. When you use your Sound Bank MasterCard CheckCard, funds to cover the cost of a purchase or to cover an ATM withdrawal are automatically debited from your Sound Bank checking account.
There is no charge for this service when using your CheckCard to make a purchase. There is also no charge when using your CheckCard to withdraw funds from any CashPoints ATM. When withdrawing funds from any other ATM, there may be a charge from the hosting financial institution.

To report a lost or stolen card, please call 252.727.5558 during business hours and 1-800-500-1044 after business hours.

Sound Access – Online Banking
Online Banking from Sound Bank provides access to your accounts with us anywhere, anytime from any computer with Internet access. By going to www.soundbanking.com and clicking on the Online Banking icon, you’ll be able to check deposits made, find out which checks have cleared, confirm your balance, make stop payments and more. Your account will literally be at your fingertips. There is no monthly fee for this convenient service.
Bill Pay
A convenient feature of Online Banking is Bill Pay. You can pay bills online, making the payment of regular monthly bills as well as one time payments. You are in control of when payments are made, to whom they are paid and for how much. There is no fee for this service, so you’ll save money on postage as well as saving time.
Check Imaging
Each month, you will receive pages with images of your cancelled checks in check number order – making balancing your statement and recordkeeping on your account easier than ever. You will be able to put these already hole-punched statements into a three-ring binder for easy access.
 
For additional information on these and all of our services, call our Morehead City office at (252)727-5558, or our Cedar Point Branch at (252)393-8460, or our Beaufort Branch at (252) 728-2181. You can also visit us online at www.soundbanking.com.