Online Access

Banking that's Safe, Easy and more Convenient

Take care of your finances anywhere with internet access using Summit Online Access, or Mobile Banking using a Smartphone or a Tablet. Click here to get started! It's safe, easy to use, and best of all, free for all Summit members.

Conduct secure, confidential transactions and inquiries, such as:

Benefits of Online Access
Check your account balances and transaction history Sign up to view your statements online with E-Statements
Transfer funds instantly between your Summit accounts  Submit secure, confidential loan applicationsSubmit secure, confidential loan applications
Live chat with a Member Service Representative  Update your postal address, email addressUpdate your postal address and email address
Earn Cash Back with Purchase Rewards using your VISA® Debit card Change your Username and Password
Review activity on your Summit VISA® Credit Cards through Visa Access  Order new or replacement checksOrder new or replacement checks
View your next loan payment due date, payoff amount and interest rate Sign up for Text Message Banking
 Make loan paymentsMake loan payments  Set up account Alerts & NotificationsSet up account Alerts & Notifications
Search checks that have cleared and view check images  Schedule automatic transfers at your convenienceSchedule automatic transfers at your convenience
Send money to friends and family at another financial institution with Popmoney®  and Popmoney Mobile  Download or export your account information into a formatted fiDownload or export your account information into a formatted file


For features available with your Smartphone or Tablet, visit our Mobile Banking page.

Cash Back with Purchase Rewards

Did you know that you can earn cash back1 every time you shop at your favorite stores? The Summit debit card is the card that pays you back. You will receive rewards based on purchases you make at major retailers and restaurants. The more you use your card, the more offers you can receive and the more rewards you can activate and enjoy.

Start earning rewards today just by using your debit card!

To get started:

  • Log into your Summit Online Access account and your personal offers will be located to the right of "My Accounts."
  • You’ll receive special offers for rewards on purchases at major retailers and restaurants based on how you shop.
  • Offers will be labeled as “New Offers” until you click to activate them. All offers can be viewed on the rewards summary page.
  • There are no limits to the rewards you can earn - so, the more you use your Summit debit card, the more offers you can receive and the more rewards you can enjoy!

Purchase Rewards - FAQs and Terms and Conditions

To order a debit card stop, by any Summit branch or call the Member Service Center at (800) 836-7328 extension 7030 or (585) 453-7030.

1. Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward.


Sending money is as easy as sending an email or text message.

Summit Online Access features the Popmoney personal payment service. So you can send money directly to just about anyone, with no need to write a check, exchange account numbers or carry cash.

It's similar to PayPal, where you can send money using an email address. But Popmoney has the added convenience of being right inside your password-protected online account.

Here's how it works:

  • You enter the recipient's name, email address and/or cell phone number, and the dollar amount.
  • An email or text message automatically notifies the recipient.
  • The recipient securely enters an account number online.

It's simple to get started:

  1. Log in to Summit Online Access.
  2. Go to the "Move Money" tab.
  3. Click "Popmoney."

It's that easy!

Read the full disclosure.

Your Alert Experience

Staying up-to-date with your account is now easier than ever. Text message (SMS) and email alerts are now offered more frequently throughout the day for more up-to-date account information. Plus, you can customize your alert preferences and add additional alert options (see below). Simply log in to Summit Online Access, click on 'My Settings' and set up your notifications today!

Check out the additional alerts and features now being offered:

Text Message Alert Types
Stay on top of your finances with these additional alert types that were previously only available to email:

  • High Balance
  • Check Cleared
  • Maturity Date
  • Payment Due
  • Payment Overdue
  • Personal Reminder

Text Message Alerts Frequency
Balance alerts can be sent any day of the week or:

  • Every Two Weeks
  • Monthly
  • Twice Monthly
  • Every 3 Months
  • Every 6 Months
  • Every Year

Email Alert Types
Two new alert types now available to email notifications:

  • Large Withdrawal
  • Large Deposit

Customize Who Receives Text Message and Email Alert Notifications

  • Text alerts are no longer limited to just the primary account. Any account type that is eligible for that alert can now be sent through a text message.
  • Set up text message alerts to go to multiple phone numbers.
  • Email alerts are now customized by having an additional email contact for an alert to be sent to.

Resources and information


The Summit Online Access and Mobile Banking


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.