Checking Accounts

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View our current Rate Sheet for a full list of rates.

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Features & Benefits of Checking Accounts

THE SUMMIT IS FEDERALLY INSURED BY THE NCUA. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. 

1. Cash back, bonus point amounts, program discounts, and coupon values vary in the sole discretion of the applicable participating retailer or service provider.

2. Digital Edge Spend Account: Members with a Digital Edge Spend Account will be exempt from the following fees:

• Account Maintenance Fee
• Share-to-Share Overdraft Transfer Fee
• Courtesy Pay Fees and Courtesy Pay Select Fees if the available balance at the time the transaction posts is less than negative $25 (-$25)*
• First box of personal checks upon account opening

To be eligible for the fee exemptions above, a member with a Digital Edge Spend Account must be less than 27 years of age, enrolled in Electronic Statements, enrolled in Mobile or Online Banking, and must have an Active Debit Card (defined as performing a minimum of ten (10) Debit Card transactions posted during the month on the Digital Edge Spend Account). Members that no longer qualify for the Digital Edge Spend Account will be converted to the Enhanced Checking account (if under 27) or the Digital Freedom Spend Account (when turning 27) and no longer qualify for these fee exemptions. In order to open and maintain a Digital Freedom Spend Account at The Summit the following is required: The primary account holder must be 27 years of age or older, enrolled in E-statement (electronic) delivery, enrolled in Mobile or Online Banking Services, and must perform a minimum of ten (10) Debit Card transactions that post each month on the Digital Freedom Spend Account. If these requirements are not maintained, the account will automatically convert to an Enhanced Checking account after 90 days.

^*There is a $25 fee for each Courtesy Pay transaction payment. (Note: there is a maximum of five (5) Courtesy Pay fees that the Credit Union may charge per day, per account.) Members with a Digital Edge Spend Account will be charged a fee if, after the transaction posts, the available balance is negative more than $25.00. Members with all other checking and spend accounts will be charged a fee if, after the transaction posts, the available balance is negative more than $10.00.

Courtesy Pay includes checks, ACH, bill payments, and recurring debit card transactions. Courtesy Pay Select is optional and covers ATM and one-time debit card transactions. Any overdraft must be repaid within 10 days after the transaction. Courtesy Pay and Courtesy Pay Select transactions are not guaranteed and are paid at the discretion of The Summit. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

3. 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.

4. Account Maintenance Fee: If applicable, the $5.95 fee will be deducted from Primary Savings account on the last day of the month. If funds are not available, Account Maintenance Fee will be deducted from your checking account (if applicable). No Account Maintenance Fee will be imposed if you meet one of the exemptions. Please see our Rate and Fee Schedule for the full list.

5. While your card is in temporary “off” mode most new purchases and ATM transactions will not be processed. Preauthorized transactions and authorized reoccurring transactions may be approved while the card is in “off” mode. You remain responsible for monitoring all transactions.

6. 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.