Sound Credit Union

Applied for a loan to put a new roof on our house. Loan officer said they’d call us in 1 – 2 days. 7 days later, I just called them. They denied us saying we don’t make enough money. .really 90k+/yr isn’t enough? Screw you sound credit union. .just as bad as when you were Westop credit union.

This is easily the worst bank/​credit union I have experienced. It is common place to take 9 – 11 days for your checks to clear. Or so I was informed the 2^nd time I deposited a check and 8 days later still did not have the funds available. The snooty customer service rep informed me this was «normal» and I needed to understand this. Well, if that’s «normal» for them I am closing my account on Monday. 4 months in a row this has happened and I keep letting it slide, but this time they lost me as a customer. Seriously avoid this place unless you don’t mind living 11 days without YOUR money.

I just found out that Sound Credit Union has an app for iphone which allows me to do MOBIL DEPOSITS. This is going to save me a lot of time every week.
I have had a great time leaving my money with these people. They’re nice and friendly. They don’t charge a lot of nonsense fees like other places. Their website is secure and easy to use.
I have nothing but good things to say about Sound.

Terrible. I called to ask why the deposit accepting ATM was removed from the Lynnwood branch and would it be returned. After explaining which branch I was referring to and where it was (!!) I was told there were no plans to return it. In general the service is indifferent at best and the website is a joke. Could not be more opposite of Watrmark.
Manager please don’t send me a private message to address my concerns. I’m not interested in any further interactions other than to close my account.

I am another unfortunate customer who was absorbed by the takeover of Watermark credit Union. SoundCU is terrible. Absolute opposite of Watermark. Feels like a big corporate bank. CS agents are much less educated, more scripted, and very patronizing, might as well be BofA. Hold times are much longer, IVR makes it much harder to get a person, and the icing on the cake with these fools, online banking has been down for over a week now and as I write this review it is still down.
The Mobile access still works so here is a trick to use it on your PC. Download and install the google chrome web browser if you don’t have it. Then install this UA switcher which will trick sound CU into thinking you are using an iphone or android phone. Here is the link for the UA switcher add-​on for chrome:
Now at least I can check my balance from my PC like I could do way back in 1995 at BofA with this work around for these pathetic losers.
Also, transactions now take days to post so your available balance is always out of sync with your transaction balance, simple stuff like debits at Albertsons takes days with these losers… soooo annoying, I am shopping for a new CU, this is just beyond any level of incompetence I have ever seen in a bank. Even the big evil banks that screw you on fees have their s*** together more than this.
I almost forget, this is a big issue, their online billpay — it takes 10 days!!! My rent was actually late after being 3 to 4 days early to my landlord for 14 months straight since I starting the billpay account after renting the house. Now I have to mail a paper check to pay rent, pathetic.

Terrible, Terrible TERRIBLE. I cannot say how HORRIBLE Sound Credit Union is. I was a member of Watermark, and they were really good. They were always friendly, quick to respond to questions, and were not fee happy like banks (credit unions are supposed to be fee friendly, I work at a credit union, I know).
So what is the FIRST thing I get from Sound Credit Union? A statement on an account I’ve not used in a while changing me a $ 10.00 inactivity fee! Excuse me?! I use my other saving and checking accounts all the time, I just haven’t had a need to use this other account and they ding me?
Sorry, this is NOT a credit union, it is a BANK pretending to be a credit union. I am making a call out to ALL former Watermark members. Move your accounts to a different credit union. There are tons of them to choose from, don’t give your business to these unethical thieves.

AWFUL. If I could give negative stars, I would. I have HAD IT with these people.
Since the switch over from Watermark (whom I adored), there have been nothing but problems for weeks in using their cards. I tried calling them this morning about it and issues with the website, and got some stupid flippant woman who made is sound like I was bothering her and basically told they are working things out, so use cash instead. Really? I just had to pay a large vet deposit for surgery this morning, I’m not carrying that much cash around, thank you very much! Not like I can get any cash out BECAUSE MY CARDS DON’T WORK.
I am also appalled at all the little hidden costs and fees. You get in trouble if you don’t keep $ 25 in your bank account. You get a fee if your account is inactive for a time. Nickle and dime, nickle and dime. I agree with the poster below me, Sound is a BANK in disguise.
I am done with them. I am closing all my accounts and switching to someone else immediately.
Watermark, rest in peace.

I have been with Watermark Credit Union for about 10 years and LOVED, LOVED, LOVED, them. I couldn’t say enough good about them and constantly sung their praises. The employees were stellar, the service was awesome and in a world where customer service is a dying art, WCU lead the pack.
When I heard of Sound Credit Union taking over, I was disappointed, but thought perhaps it would be a good thing with added bank locations, etc.
So far, I am so saddened and disappointed. My disappointment started today with having a hold put on a check which never had a hold placed on it while with Watermark Credit Union. This check is one I routinely receive from one of the largest mutual fund companies in the U.S. Basically like getting a check from Warren Buffet and wondering if it will clear.
I called the «customer service» line to check why a hold was put on my recently deposited check. When calling the customer service line in the past, someone usually answered the call promptly and within a very short period of time your question was answered and you were on your way.
Today, I was on hold for 19 Minutes. COUNT IT…19 MINUTES. When I expressed my surprise with the woman who answered the phone she said «We have been experiencing a lot of calls from Watermark customers having log on problems». It was kind of like «You bad Watermark Credit Union customers… you are giving us such trouble.»
I commented that my check had had a hold put on it and had never experienced this in the past with this check.
The service rep responded, «Well a hold was put on it because you deposited at a partner branch».
I said…“I never had a hold put on a check before when depositing at a partner branch and the whole point of a partner branch is that depositing here is supposed to go through as if you deposited at your own branch. If I want a 2 – 3 day hold, I would have deposited at an ATM.”
«Well that is our policy», she said.
I replied, «Well since you just took over Watermark and policies have changed and this has never occurred with my deposits in the past, may we release the hold this one time»?
«It is up to the discretion of the local branch manager», a clipped voice replied.
«Wow, this sounds kind of arbitrary», I said. «Aren’t there specific rules about what is or is not put on hold?»
The woman replied, «It has been our policy for two months now». No nicety, no sweetness, no light.
HELP, I will be looking for a more customer-​based bank and yanking my business IMMEDIATELY. Perhaps Prevail is a better option.