Onboard sound cards like soundmax traditionally have a hard time with 5.1 sound. I've got a motherboard with soundmax on it and it worked fine with 2 speakers. When I switched it to 5.1 it started going crazy. Ghost sounds, dropping out, etc.
I would just spend a little money and go for a stand-alone card. Creative is good of course, but there are plenty out there for around $20-30 that give fine 5.1 sound. Newegg has a few, you could check them if you wanted.
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