Checking Accounts

Access Your Money, Earn Rewards

Choose from our variety of checking accounts and enjoy the convenience of:

  • Visa® Debit Cards with rewards. The alternative to cash and checks that pulls money directly from your checking account. EMV chip technology makes it safe and secure.
  • Direct Deposit. Let your employer and The Summit take care of this transaction for you. Plus you’ll get access to your money faster. When you sign up for Direct Deposit, we’ll waive your Account Maintenance Fee.
  • Online Services. Access your accounts securely anytime from anywhere with internet access.
  • Mobile Banking. Keep your finances at your fingertips.
  • 24-hour ATM access. Make inquiries or transactions from Summit or partner network ATMs.1
  • Helpful overdraft protection. Bank with confidence knowing that we offer a number of ways to prevent overdrafts.

Choose the Account that Works for You

Premium Checking

A checking account with a Visa Debit Card that earns dividends on your funds when you maintain a moderate account balance.2


  • Account Maintenance Fee waived with Direct Deposit4
  • Free Mobile & Online Banking Services
  • Visa Debit Card with Cash Back5
  • Eligible for ATM rebates6

Enhanced Checking

A checking account with a Visa Debit Card.


  • Account Maintenance Fee waived with Direct Deposit4
  • Free Mobile & Online Banking Services
  • Visa Debit Card with Cash Back5
  • Eligible for ATM rebates6

Basic Checking

A checking account with checks.3


  • Account Maintenance Fee waived with Direct Deposit4
  • Free Mobile & Online Banking Services

Open An Account Today!


  • Direct Deposit

    Direct Deposit

  • Overdraft Protection Options

    Overdraft Protection Options

  • Routing Transit & Wire Transfer Information

    Routing Transit & Wire Transfer Information

    The Summit Routing and Transit Number is 222382315. Wire Transfers have a different routing number. Please complete the Wire Transfer instructions.


  1. ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking. There will be a $2.00 charge for each additional non-Summit owned ATM withdrawal and/or balance inquiry which exceeds the free transactions associated with your Member Benefit Level. Most transactions made at Summit owned ATM, and point-of-sale (POS) terminals are free. There is no fee for purchases made at merchant locations using your Debit card. For a complete listing of ATMs nationwide, visit the ATM section of this website.
  2. If the average daily balance of a Premium Checking Account falls below $1,000 in any month, a fee will be applied to the account for that month. Must maintain a $1,000 average daily balance to earn dividends. See Rate and Fee Schedule.
  3. ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking.
  4. Checking with Direct Deposit (at least one direct deposit must be received per quarter in order to maintain this exemption). See our Rate and Fee Schedule for a full list of exemptions.
  5. Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward.
  6. At the Pinnacle Level, we’ll rebate you up to $8.00 a month in ATM surcharges. This rebate will be automatically applied on your statement at the end of the month and covers surcharges at any ATM located in the U.S. up to a total of $8.00 a month.