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Welcome to The Summit Federal Credit Union! We're pleased that you've selected The Summit for your financial needs and we look forward to building a lifelong partnership with you and your family. Membership at The Summit has its rewards including access to a wide array of financial products and services, competitive rates, and the personalized service that you deserve. You'll find that doing business with us is easier than you think. Whether you prefer to conduct your transactions online, face-to-face, by mail or over the telephone, you'll find The Summit offers unparalleled, top-notch member service and convenient access to your account 24 hours a day/ 7 days a week. In this section, we've compiled several topics that are of interest to new Summit members. Please take a moment to review this information. If you have more questions, please call our Member Service Department at (585) 453-7030 or toll-free at (800) 836-SFCU extension 7030 or email us at mservice@summitfcu.org Your Member Account Number and Quik Tran PIN Each Summit member receives one account number upon joining the credit union. This number is important for all of your Summit transactions. When you call The Summit, you'll need to provide this number. As a member, you'll have one account number regardless of the number of shares you may have with the credit union. The different types of shares are designated by "Share Suffix Numbers". Learn more about Summit Shares and Suffixes below. Each member also receives a Quik Tran Personal Identification Number (PIN) when they join The Summit. This is a 4-digit number that enables you to conveniently access your accounts online via Summit Online Access as well as by phone via the Quik Tran, 24-hour Teller-by-Phone Service. Please keep your member account number and Quik Tran PIN in a safe, secure location. Summit Shares and Suffixes A listing of common Summit shares and their corresponding share suffix number can be found below. For example, a statement of your "Share 8," would reflect the activity in your Summit Checking Savings account.
| Share name |
Share suffix number |
| Savings (regular) |
1 |
| Savings (specified type) |
2 |
| Savings |
3 |
| Escrow/Insurance Savings |
5 |
| Holiday Club |
6 |
| Vacation Club |
7 |
| Checking |
8 |
| Money Market |
11 | Your Account Statement Your account activity statement is a snapshot of all the activity in your Summit accounts. Our statements have been recently enhanced and now clearly display your Relationship Level. If you have a Summit checking account, line of credit, or a VISA® account (specifically a VISA® account with a balance), your will receive your statement monthly. In addition, if you have any electronic funds activity in your account, you will receive a statement that month for the shares affected by that transaction. Your account activity statement will generally arrive to you in the 2nd week of the month. Statements for all savings, club, IRA, and certificate accounts are mailed quarterly. Making Deposits and Withdrawals Deposits may be made: It's easy to transfer your Direct Deposit to The Summit. You can obtain a Payroll/ Direct Deposit Authorization Form by calling the Member Service Center at (585) 453-7030 or (800) 836-SFCU extension 7030, or send us an email at mservice@summitfcu.org Withdrawals may be made: Accessing your Accounts when you're at Home or on the Road We realize that your schedule and ours aren't always the same, so we offer numerous options to manage your accounts. Enjoy access to your accounts: Download our handy convenience chart for your records! Choosing the Right Products to Meet Your Lifestyle - Checking Accounts: We offer three different checking accounts for you to select from. We can help you find the account that's right for you.
- Visa Credit Card: Enjoy worldwide buying power with a Summit Platinum (with Rewards), Gold or Classic Credit Card.
- Home Equity Products: What's the difference between a Home Equity Line of Credit and a Home Equity Loan?
Using Your Visa® Check Card How can I tell the difference between Surcharge-Free and Foreign Transactions? Surcharge Free means that you will not be charged a fee by the owner of any ATM in the Surcharge Free Network. As a Summit member, you have access to numerous locations. Visit the ATMs section of this site for details. A Foreign ATM Transaction is a transaction made at an ATM that is not owned by The Summit Federal Credit Union. Each month, you're able to use a non-Summit owned ATM at no charge from The Summit as many times as your Relationship Level allows1. How can I avoid ATM surcharges? - Use ATMs owned by The Summit Federal Credit Union
- Conduct your transactions at a surcharge free location
- Get cash back when using your Summit VISA® Debit card at a supermarket or store
How can I avoid Foreign ATM Transaction fees? - Become a Premier Level Member and enjoy the benefit of 10 FREE foreign transactions per month
- Use ATMs owned by The Summit Federal Credit Union
- Analyze your usage patterns. Try to reduce multiple ATM trips per week into one.
- Get cash back when using your Summit VISA® Debit Card at a supermarket or store
3 Easy Ways to Save Time and Money with Your Summit Membership - Sign up for Online Bill Payment: Our Online Bill Payment Users Save BIG… and you can too! Save time and money by paying your bills from the comfort of your home or work computer. Summit Online Bill Payment is a FREE for all Summit members.
- Setup Direct Deposit: Why wait in line to cash your check? Arrange to have your payroll and/or other government checks directly deposited into your Summit account.
- Take advantage of Special Offers: Learn about special limited time offers that are designed for Summit members, like you!
- The fee for Foreign ATM transactions is $1.50 (once you've exceeded your Relationship Level Benefit.
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Your savings federally insured to at least $100,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency
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