Checking Accounts

Access Your Money, Earn Debit Card Rewards

Our personal checking and spend accounts have the easy access you need, plus features and benefits to fit your lifestyle. Whether you’d like a digital, on-the-go option or a dividend-bearing account, The Summit has you covered. Plus, earn rewards just by shopping with your debit card.

Open Account Which Option is best for you

Choose the Checking Account that Works for You

Digital Spend Accounts

Digital Spend Accounts provide simple and seamless all-digital checking and debit card solutions designed for on-the-go mobile users, with powerful features such as debit card with rewards, Online Bill Pay, digital wallets, and Mobile Check Deposit.

Digital Edge
(for ages 16-26)

An all-digital checking and debit card account for students and young adults 16-26. Enjoy no minimum balance, no account maintenance fee, and a special overdraft program to help with account management1.

Digital Freedom
(for ages 27+)

The perfect paperless digital checking and debit card account for ages 27+. Transactions can be made in a few clicks on a mobile device, anytime and anywhere.

Traditional Checking

Traditional Checking accounts conveniently provide everything you need for easy everyday transactions, including Online and Mobile Banking tools, check-writing and overdraft services.

Enhanced Checking

Access to everything needed for everyday transactions and money management.

Premium Checking

For those who want to earn dividends and tend to carry a larger balance2.

Digital Edge
Digital Freedom
Enhanced Checking
Premium Checking
No Account Maintenance Fee. See Rate & Fee Schedule for all exemptions.
Waived with 10 Debit Card Transactions per month3
Waived with Direct Deposit3
Waived with Direct Deposit3
Visa Debit Card with Rewards4
Upgrade available
Upgrade available
Upgrade available
Upgrade available
Online & Mobile Banking
Eligible for ATM Rebates
Debit Card Required1
E-Statements & Online Access Required
Special overdraft program to help with account management1
Earn Dividends2
Minimum Balance2

Open An Account Today!

Features & Benefits of Checking Accounts

debit cards

Visa® Debit Cards with rewards

This alternative to cash and checks pulls money directly from your checking account. Plus, earn cash back on purchases4 just a few steps.

Plus, prevent unauthorized purchases with Card Controls 5.

Learn More

youth & young adult savings

RoundUp Savings

Sit back and watch your savings grow with a RoundUp Savings account! Sign up and save with each purchase you make with your Summit Visa® Debit Card.

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direct deposit

Direct Deposit

Get access to your money faster. Sign up for Direct Deposit and we’ll waive your Account Maintenance Fee.

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overdraft protection

Overdraft Protection Options

Get peace of mind and the flexibility to access funds when and if you need to.

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online & mobile banking

Online & Mobile Banking

Manage your accounts, pay bills, deposit checks and more–all without visiting a branch.

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24 Hour ATM Access & Rebates

Enjoy access to your accounts through our Summit ATMs and over 55,000 surcharge-free partner network ATMs6. Plus, you could be eligible for monthly ATM rebates up to $8.007.

Find an ATM Near You

routing transit & wire transfer

Routing Transit & Wire Transfer Information

The Summit Routing and Transit Number is 222382315. Wire Transfers have a different routing number; please refer to our Wire Transfer instructions.

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Which Checking Account is Right for You?

Take a simple quiz to find out what’s best for you based on your needs.

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. 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.

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. 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.

4. Cash Back and Bonus Point amounts and Program discounts and Coupon Values vary in the sole discretion of the applicable participating retailer or service provider.

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.

7. 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.

Mobile Banking is a free service available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply. We won’t charge you; however, standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.