Start Smart

The road to financial success!

Start off on solid financial footing with Start Smart, a customized package of products and services to help teens and twenty-somethings get started on the road to financial independence. Whether you're in high school or college, we have the tools you need to get ahead in life - all from The Summit!

Program details

Mix and match from the list below to provide a sensible way to save, establish credit, manage a checking account, pay for college costs and more. Maybe it's just one product, or maybe it's all of them. The choice is go ahead and build the bundle that's right for you.

Start Smart checklist (pick as many as you like)

  • Checking Account1 - The smart choice for the student who needs money on the go. Pair a Visa® debit card, Direct Deposit or Overdraft Protection/ Line of Credit2 with the account to make it even more convenient.
  • Mobile Banking - The Summit’s Mobile Web Banking is a free service that allows you to access your account information, conduct transfers, plus pay and manage your bill payments from any mobile device that has Web browsing capabilities and an active data plan3 
  • Sallie Mae Smart Option Student Loan® - When scholarships, federal loans and financial aid don't cover all their expenses, this innovative private student loan can help make up the rest
  • Visa® Credit Cards - With credit limits and rates to fit your lifestyle.
  • Summit ExpressSM Auto Loan - For your first car purchase
  • Free Online Services and Live Chat
  • Plus, there's no Account Maintenance Fee for members 22 years of age and younger4

For more information on our Start Smart package, visit any branch or call our Member Service Center at (585) 453-7030 or (800) 836-SFCU extension 7030 or email us.

Student must be a member of The Summit FCU to take advantage of its products and services.


Scholarship Programs

We're a proud participant in two annual scholarship programs, the Credit Union Association of New York Scholarship Program and the Rochester Chapter of the Credit Union Association’s Scholarship Program. These programs may offer our members (graduating high school seniors) an opportunity to receive financial assistance toward a higher education. Students who are Summit members, college-bound high school seniors at the time of application to either a two or four-year accredited educational institution, and attending college for the first time. Check back in the fall for application information.


1. Must be 18 years of age or older to open a checking account, or have an accompanying joint member on the account who is 18 years of age or older.
2. Subject to application and credit approval. Must be 18 years of age or older to apply.
3. Summit Mobile Banking is available only with a Summit FCU Account. To use Mobile Banking you are required to subscribe to a data plan through your wireless provider. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply.
4. Must be age 22 or younger for exemption of Account Maintenance Fee.




Your savings federally insured to at least $250,000 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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You must be a member of The Summit FCU to take advantage of its products and services
Serving Central & Western New York
2012 by The Summit Federal Credit Union. All rights reserved

Summit Online Access Enrollment

Enrolling in Online Access is easy - here's how:

If you don't have an Online Access PIN or need assistance, please call (585) 453-7030 or (800) 836-7328.