Important Update About Debit Cards

Please activate and begin using your Sound debit cards immediately. Your Bank of Washington debit cards will no longer work.

Visit for more details.


Find the answers to your Mobile Banking questions below.

How much does Mobile Banking cost?

Do I need Mobile Web access to use Mobile Banking?

What types of mobile phones can I use with Mobile Banking?

What types of accounts can I access with Mobile Banking?

How do I enroll for Mobile Banking?

Is there a waiting period after enrolling?

How do I log on to Mobile Banking?

What do I use for my Mobile Banking password?

Is Mobile Banking Secure?

Is software required to be installed on my phone?

How do I install the App?

How do I receive alerts on my mobile phone?

Can I pay bills through Mobile Banking?

Can I set up new payees through Mobile Bill Pay?


Mobile Banking is a free service – customers must first be enrolled for Online Banking. 1

Back to FAQ


No. We also offer Text Banking. Any mobile phone with texting capabilities can instantly view balances and recent transactions, and receive text alerts. 1

Back to FAQ


  • Text Banking – Any text compatible mobile device 1
  • Mobile Web Banking – Mobile phones with Internet access 1
  • TBOW App – Select smartphones can install the TBOW App 1

Back to FAQ


Mobile Banking will provide access to the same accounts that are viewable through online banking including checking, savings, CDs and loans. 1

Back to FAQ


Enrollment is completed through our Online Banking system.

  1. Log on to Online Banking.
  2. From the Preferences menu, choose Mobile Banking Enrollment and complete the form.
  3. A text message will be delivered to your phone with easy instructions to activate your Mobile Banking service.

Back to FAQ


No. Once you’ve enrolled and activated the service, Mobile Banking is ready to use.

Back to FAQ


View our Mobile Banking tutorial to learn how to log on and use Mobile Banking.

Back to FAQ


The password used for Mobile Banking is the same as the password you use to log on to Online Banking. If you change your Online Banking password, your Mobile Banking password will also change.

Back to FAQ



Text banking security:

  • View accounts by nicknames you set, not account numbers
  • No detailed personal information is sent

Mobile Web and TBOW App security:

  • 128-bit encryption masks your sensitive information
  • Password is required each time you log on
  • Consumer’s private “picture and pass phrase” are displayed to protect against “phishing”

Back to FAQ


No software is required for Mobile Banking, unless you choose to download and install the TBOW App. 1

Back to FAQ


The TBOW App can be downloaded from your smartphone’s respective application store. 1

Back to FAQ


You can set these up during the enrollment process. You can change or cancel alerts anytime by logging in to Online Banking and modifying your alert preferences. 1

Back to FAQ


Yes, now you can pay your bills right from your cell phone. 1, 2

  • View and modify pending payments.
  • Must be enrolled for our online bill pay service to access this feature.
  • Just like in Online Banking, bill payments made through Mobile Banking are free to TBOW customers.

Back to FAQ


No, but you can easily add new payees by logging on to our online bill pay service.

Back to FAQ


1 Message and data rates may apply.

2 Mobile Web is required for this level of service. Not available with our Text Banking option.

(425) 921-2432 or (877) 921-2432
M–Th - 9:00 a.m.–5:30 p.m. (Edmonds and Lynnwood) | M–Th - 9:00 a.m.–5:00 p.m. (Everett, Mukilteo, Redmond)
Friday - 9:00 a.m.–6:00 p.m. (All Branch Offices)

 NCUAlogoBW  EQUAL-HOUSING.clear.150dpi 

Insured by NCUA. Equal Housing Opportunity. 

Go to top