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Personal Accounts

Welcome to Sonata, where we're transforming the way you bank with our digital-first personal accounts! We know how important it is to have a safe and secure banking experience that fits your fast-paced lifestyle, and that's why we've designed our personal accounts with you in mind.

Sonata Spending Account

This special account is offered exclusively to employees at our partner franchises. Interested in getting access? Learn more below.

Sonata Checking

Enjoy hassle-free banking with our easy-to-use Sonata Checking account, designed to keep you connected to your money while on the go.

Sonata Savings

Reach your financial goals faster with our Sonata Savings account, offering great interest rates to help your hard-earned money grow.

Sonata Money Market

Experience the best of both worlds—high liquidity and attractive interest rates—with our flexible Sonata Money Market account, perfect for savvy savers.

Sonata Rewards Checking

Put your money to work with Sonata Rewards Checking. Earn 3.00% APY** on balances up to $25k with no minimum balance required to earn interest. On top of that, you also have our feature-packed app
that makes managing your money easier.

Easy-to-Use App at Your Fingertips

Our state-of-the-art mobile app puts the power of banking right in your pocket. With intuitive navigation and user-friendly features, you can manage your finances on the go. Check your balance, pay bills, transfer funds, and more—all from the comfort of your smartphone.

Checking Accounts with a Side of Convenience

Say goodbye to old-fashioned banking and hello to our hassle-free checking accounts. With our easy-to-use debit card, you can access your funds, make purchases, and withdraw cash at ATMs worldwide. Plus, enjoy the seamless integration of our debit card with our mobile app for a truly connected banking experience.

Savings Accounts That Work for You

Are you ready to grow your savings and achieve your financial goals? Our savings accounts offer competitive interest rates, helping you earn more on your hard-earned money. And with the convenience of our mobile app, you can track your progress and manage your savings with just a few taps on your phone.

At Sonata Bank, we're committed to providing you with a modern, secure, and user-friendly banking experience. So why wait? Open a personal account with us today and discover the future of banking tailored to your lifestyle.

**Annual Percentage Yield (APY) is accurate as of 9/16/2024. Rates are subject to change before and after account opening. The minimum balance required to open the account is $100.00 The minimum daily balance required to obtain the advertised percentage yield is $0.01. If your daily balance is less than or equal to $25,000.99, the interest rate paid on the entire balance in your account will be 3.00%APY. Additional conditions describing the minimum balance to earn this rate is detailed below. Amounts greater than $25,001.00 will earn 0.10%APY. Interest is compounded and credited on a monthly basis. You will not receive the accrued interest if you close the account before interest is credited. All accounts are subject to applicable terms, fees, and charges. Terms, fees, and charges for accounts are subject to change. Fees could reduce the earnings on the account. Offer is subject to change without notice. Rate specials are available to consumers in the following states: Kentucky and Tennessee.

Additional Rate Information. To earn a higher interest rate on daily balances less than or equal to $25,000.99, you must meet the following criteria:
A minimum direct deposit of $100 for each statement cycle.
Enroll in online/mobile banking.
Activate a Sonata debit card.

If criteria are not maintained, then the interest rate reverts to the lower rate.