We are in this together and we are here to help.

We are committed to the health and safety of our members, employees and communities, and are working diligently to minimize health risks.

View the Latest Updates

Ongoing Updates

These times are unlike anything we’ve experienced, and we know that you may need financial relief. We’re listening to you, and we are here to help.

Please check this page often; the actions we are taking to serve your changing needs are evolving. Most importantly, please take care of yourself and your loved ones.

May 22nd 10:49 am:

Branch Services

All currently open drive-up windows as well as our Member Service Center will now open at 8am on these days:

  • Mon, June 1
  • Wed., July 1
  • Thurs., July 2
  • Mon., July 6

 

May 14th 3:12 pm:

Branch Services

Developing Plans for Re-Opening
We are busy constructing a thoughtful phase-by-phase plan to reinstate branch services. Keeping everyone safe and healthy is the most important factor, so we are being very careful to make sure these plans are the most prudent. As mention in CEO Laurie Baker’s May 14th member email, we will keep all members informed of updates.

May 11th 4:27 pm:

Financial Assistance for Members

As the coronavirus situation unfolds, we know that you may need extra help. To make it easier for you, we now have an Member Assistance Loan for members needing extra cash. Our new Member Assistance Loan allows members to borrow up to $3,000 for up to 36 months at just 3.0% APR2. We’ll also delay your first payment for 6 months from the loan opening date, so you can focus on other things. These funds can be used for important expenses such as paying bills, purchasing groceries, etc.

April 30th 7:55 am:

Financial Assistance for Members

As a reminder, effective May 1, The Summit returns to its standard fee policy for Courtesy Pay, Courtesy Pay Select and Share-to-Share Overdraft Transfer fees. We will continue to waive our one-time phone EZ Loan Payment fees until further notice.

April 28th 1:37 pm:

Paycheck Protection Program

On April 24, our Federal Government passed a bill extending funding for the SBA’s Paycheck Protection Program. The Paycheck Protection Program* is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. The Summit is partnering with SBA approved lenders to assist small businesses obtain loans under the SBA’s Paycheck Protection Program. Click here for more information about the program. Please note: You will need to establish a unique user name and password for the linked site, which is different than the username and password for your Summit online and mobile accounts.

April 17th 1:00 pm:

Paycheck Protection Program

The SBA has announced that the funding for the Paycheck Protection Program* has been depleted. We anticipate that additional funds will be made available for the program, and we will continue to accept applications to be submitted when the program is reopened.

April 13th 4:30 pm:

Stimulus Payments

Starting this week, the IRS will begin the process of distributing federal stimulus funds, by either paper check or direct deposit, as part of the Economic Impact Payments/COVID-19 relief efforts. Here are a few tips about these payments:

  1. To see if you are eligible to receive an Economic Impact Payment, please visit the Economic Impact Payment Information Center.
  2. Log into Online Access or your mobile app to see any pending deposits from the IRS. You may see a pending deposit anytime between April 15 and several weeks thereafter. Please note we cannot release deposits sooner than the IRS allows. If you don’t have an online or mobile account, register today.
  3. The IRS has launched their web portal, please go to the stimulus check tracker and click “Get My Payment.”

April 8th 9:00 am:

Paycheck Protection Program

At The Summit, we believe in, and are actively working to create and maintain a financially healthy community. The CARES Act, recently passed by the federal government, includes funding to help businesses keep their workers employed during this difficult time. Small businesses are vital to the health and wellness of our community and we recognize the important role they play in supporting our economy. The Paycheck Protection Program* is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. The Summit is partnering with SBA approved lenders to assist small businesses obtain loans under the SBA’s Paycheck Protection Program. Click here for more information about the program. Please note: You will need to establish a unique user name and password for the linked site, which is different than the username and password for your Summit online and mobile accounts.

April 7th 5:00 pm:

Branch Services

Effective Wednesday, April 8th: To keep our members and employees safe and healthy, we are suspending Saturday hours at our Delaware/Hertel and Taft Road branches.

Buffalo-area members may wish to visit our Clarence drive-up at 5641 Transit Road, East Amherst, which is open from 9:00 am – 1:00 pm on Saturdays.

Our Erie Boulevard drive-up at 1400 Erie Blvd. E. in Syracuse, and our Camillus drive-up at 130 Township Blvd. in Camillus, are also open 9:00 am-1:00 pm on Saturdays for your convenience.

April 3rd 9:00 am:

Branch Services

To keep everyone safe and healthy and to actively support social distancing, we have closed all branch lobbies to normal traffic and are temporarily limiting the services available at in-branch appointments.

  • Members with Home Equity Loan closings will be contacted by a Summit representative to schedule an in-branch appointment. To see those locations where in-branch appointments can be held, please check our listing in the Branch Services section below.
  • All other loan closings will be handled electronically.
  • Members that need Medallion Stamp Guarantees will need to schedule an in-branch appointment. To see those locations where in-branch appointments can be held, please check our listing in the Branch Services section below.
  • Appointments with The Summit Retirement & Investment Services will be handled either electronically or by virtual meeting. Please call our Summit Retirement and Investment Services at (585) 453-7230 or (800) 836-7328 extension 7230 so that we may help you.

New Services Available at Drive-Up Windows
We know you may be used to doing certain transactions in person, so we’ve updated how we serve you at our drive-up branch windows. Please remember to bring valid identification to drive-up windows. Some requests at the drive up may require additional identification security screening for your protection. Services available now include:

  • Teller transactions such as deposits, loan payments, check withdrawals, transfers and check cashing.
  • If you’ve applied online to become a Summit member, once the application is approved, please finalize it at a drive-up window.
  • Gift cards
  • Money Orders
  • Share Certificates
  • New or change in services such as adding a joint member, direct deposit, etc.
  • Notary service
  • Wire transfers

Debit Card Updates

Debit Cards Sent By Mail Only
Temporarily, new debit cards will now be sent through U.S. mail only. To order your debit card, please call our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030, or please visit us at the most convenient drive-up window.

Reset Your Debit/ATM Card PIN through the Member Service Center
If you need to reset your PIN, please contact our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030 and we would be happy to help.

April 1st 5:00 pm:

Branch Services

We’ve extended our hours for the month of April to serve your financial needs while providing a safe environment for our members and employees.

Starting Wednesday, April 1, our branch drive-up windows and our Member Service Center will open at 9:00 am Wednesdays, and will close at 6:00 pm on Fridays. ATM and depository boxes will remain open 24/7 for your convenience.

March 25th 3:30 pm:

Financial Assistance for Members

As the coronavirus situation unfolds, we know that you may need extra help. To make it easier for you, we now have an Emergency Personal Loan for members needing extra cash and a Visa Emergency Skip-A-Pay option for qualified credit cardholders.

  • Our Emergency Personal Loan is available for amounts up to $1,000 with interest rates as low as 1.00% APR1. The first payment would not be due for 90 days. The loan would then require repayment in 6 monthly installments. Please call us at (585) 453-7030 or (800) 836-7328 extension 7030 so we can help.
  • Making credit card payments may be a challenge right now. To provide relief, we now have a Visa Emergency Skip-A-Pay option2. Please call us at 800-654-7728 and ask to skip the current payment due. In addition, we have implemented an automatic Skip-A-Pay option for payments due in May. Members who qualify will see a $0 payment due on their statement.

Debit Card Disputes

With the discontinuation of many services in our everyday lives like our gym memberships and the cancellation of travel arrangements, we understand that members may have to dispute previously authorized purchases on their debit cards. We recommend that you reach out to the merchant, vendor or travel provider first for resolution and to pursue a refund. If they can’t help, please give us a call at (585) 453-7030 or (800) 836-7328 extension 7030 and we will be happy to help you with next steps.

Summit members experiencing hardships related to the coronavirus are encouraged to contact us at (585) 453-7030 or (800) 836-7328 extension 7030.

March 25th 1:00 pm:

Financial Assistance for Members

Effective immediately, through April 30, 2020 The Summit will help our members by waiving Courtesy Pay, Courtesy Pay Select and Share-to-Share Overdraft Transfer fees. If you have any questions or if you are concerned about meeting your financial obligations please call us at (585) 453-7030 or (800) 836-7328 extension 7030.

March 20th 10:00 am:

General Update

Keeping your money safe is job one for us, so when we hear of new financial scams, we want you to know about them right away. Lately, we’ve seen an increase in scams that take advantage of people’s fear and uncertainty about COVID-19.

Remember, The Summit will never ask you for personal information, whether by phone, text, email or web link. Please read our blog for information on protecting yourself from these scams. To learn about new scams, tips to protect yourself from scams and how to sign up for credit and debit card alerts, please visit our Fraud Prevention Center.

March 17th 4:00 pm:

Branch Services

Due to COVID-19, we’ve had to temporarily change how we serve you at our branches. Please know that you can still count on us to assist you with what you need.

Branches with drive-up capabilities are open during normal hours for drive-up access only, with these expanded services available:

  • Deposits
  • Withdrawals
  • Check Cashing
  • Loan Payments
  • Visa® Payments
  • Money Orders
  • Official Checks*

*Additional limitations apply for official checks between $3,001 to $10,000. Requests greater than $10,000 will need to be serviced in a branch.

Please note: Our daily withdrawal limit is $3,000. Unfortunately, we cannot process rolled coins at this window.

Please check “Branch Services” section for the services available at each branch so that you may choose the most convenient branch for you. For appointments, please call our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030 to make an appointment.

March 17th 9:00 am:

Branch Services

Our Camillus, Main/Winton and Perinton branches will have drive-up and ATM service only until further notice.

To best serve our members, drive-up teller services have expanded at all branches.

March 16th 1:22 pm:

Branch Services

The Summit Retirement & Investment Services April Seminars are Cancelled

  • Social Security Seminar (April 15 at Corporate)
  • Retirement Income Planning (April 22 at Taft Road

Narrow Updates by Topic

* The Summit is providing this information as a benefit to members. The Summit does not endorse the listed SBA lender and will not be responsible for fulfillment of any services or products requested or obtained from the SBA lender. You understand and agree that the Paycheck Protection Program continues to involve uncertainty regarding program eligibility and requirements. You further understand and agree that any application you submit will be provided directly through the specific SBA lender and will not be processed, serviced, or otherwise involve The Summit FCU. By reviewing this information, you agree all aspects of any loan application request will be between you and the SBA lender and The Summit FCU is unable to assist and that any delay, disruption, or other issues will need to be addressed solely between you, the SBA lender, and the Small Business Administration.

1. The Emergency Personal Loan is a Personal Loan of up to $1,000 with a term of 9 months (6 payments plus 3 months of deferred payments) at a rate as low as 1.00% Annual Percentage Rate (APR). The stated APR is the lowest available. First payment is deferred for 3 months. Payment example: A personal loan of $1,000 for 9 months at 1.00% APR will have a 6 monthly payments of $167.44 after the 3 month deferral period. Your monthly payment would be lower if you do not defer the first payment. Payment example: If you deferred the first payment for three months, a personal loan of $1,000 for 9 months at 1.00% APR will have $0 monthly payments for the first three months followed by six monthly payments of $167.44. APR may vary depending on each individual’s credit history and underwriting factors. APRs range from 1.00% to 7.25%. Summit’s loan programs, rates, terms and conditions are subject to change without notice. 2. Visa Skip A Payment offer available for eligible credit card accounts only. By accepting these offers, you will not be required to make a Minimum Payment. However, interest charges will continue to accrue at the disclosed rate(s) and you will pay more total interest. You can decline to accept our offer by making your normal Minimum Payment or a payment of any amount. If you have automatic payments set up, it is your responsibility to cancel those payments. Accepting this offer may result in the loss of the grace period for your account. For example, if you usually pay your balance in full each month but do not make a Minimum Payment this month, interest charges will accrue on your purchases from the transaction date.

2. Member eligibility required.  Loans are subject to credit approval and certain limitations may apply. The Member Assistance Loan is a Personal Loan of up to $3,000 with a term up to 36 months (plus 6 months of deferred payments) at a rate as low as 3.00% Annual Percentage Rate (APR). The stated APR is the lowest available. Payment example: If you deferred the first payment for six months, a personal loan of $1,000 for 36 months at 3.00% APR will have $0 monthly payments for the first six months followed by 36 monthly payments of $29.46. Your monthly payment would be lower if you do not defer the first 6 payments.  Payment example: A personal loan of $1,000 for 36 months (without 6 months of deferred payments) at 3.00% APR will have a 36 monthly payments of $29.09 . APR may vary depending on each individual’s credit history and underwriting factors. APRs range from 3.00% to 9.25%. Summit’s loan programs, rates, terms and conditions are subject to change without notice.