COVID-19: PROTECTING MEMBERS AND EMPLOYEES

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Ongoing Updates

May 23rd 11:53 am:

Branch Services

Effective Monday, May 24: Mask wearing will be optional at branches for fully vaccinated members. “Fully vaccinated” refers to people who, after receiving the vaccine, have reached either two weeks after the second dose of Pfizer/Moderna or two weeks after a single dose of Johnson and Johnson.

May 3rd 9:37 am:

Branch Services

Effective Monday, May 3: The Delaware/Hertel branch will resume to full-service. If you would like to sit with a Member Specialist, we recommend you request an appointment.

April 29th 8:54 am:

Branch Services

Effective Thursday, April 29: The Delaware/Hertel branch will be available to appointments and drive-up traffic only. The lobby will remain closed to walk-ins until further notice.

April 28th 8:42 am:

Branch Services

Effective Wednesday, April 28: The Delaware/Hertel branch will be available to drive-up traffic only. The lobby will remain closed, until further notice.

January 25th 9:31 am:

Branch Services

Effective Monday, January 25: The Taft Road branch will resume to full-service. If you would like to sit with a Member Specialist, we recommend you request an appointment.

January 20th 8:30 am:

Branch Services

Effective Thursday, January 21st the Taft Road branch is moving to drive-up only. The branch lobby will remain temporarily closed. We encourage you to take advantage of the expanded services that are offered through our drive-up teller at the Taft Road branch or use our online and mobile banking options.

January 13th 3:44 pm:

Paycheck Protection Program

As of Monday, January 11, we will be participating in the next round of the Payment Protection Program (PPP) loans through our lending partner, Lendio. Click here, for more information about the program and to begin the application process.

December 31st 9:00 am:

Branch Services

Effective Saturday, January 2, the Brighton branch will resume to full-service. If you would like to sit with a Member Specialist, we recommend you request an appointment.

December 30th 1:44 pm:

Stimulus Payments

Starting January 4, the IRS will begin the process of distributing the second round of 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 December 30 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 deposit date and amount are determined by the IRS. You can visit the stimulus check tracker and click “Get My Payment” to check the status of your Stimulus Payment.

 For the most accurate and up-to-date information, visit IRS.gov

December 22nd 6:45 pm:

Effective Wednesday, December 23rd the Brighton branch lobby is temporarily closed. We encourage you to take advantage of the expanded services that are offered through our drive-up teller at the Brighton branch, or use our online and mobile banking options.

December 13th 8:11 pm:

Effective Monday, December 14th the Penfield branch will resume to full-service. If you would like to sit with a Member Specialist, we recommend you request an appointment.

December 8th 7:08 pm:

Branch Services

Effective Wednesday, December 9th the Penfield branch lobby is temporarily closed. We encourage you to take advantage of the expanded services that are offered through our drive-up teller at the Penfield branch, or use our online and mobile banking options.

July 7th 9:20 am:

Notice: Paycheck Protection Program has reopened

The Paycheck Protection Program (PPP) resumed accepting applications July 6, 2020, in response to the President signing the program’s extension legislation. Although the new deadline to apply for a PPP loan is August 8, 2020, you will need to submit your application by Wednesday, August 5, 2020. This will provide enough time for your application to be processed before the SBA deadline.

Click here to start the application process. 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.

Learn more about the Paycheck Protection Program.

July 2nd 8:30 am:

Branch Services

We’re excited to announce our schedule for expanding in-branch services!

Effective Wednesday, July 8, we’re starting the process to resume our branches to full-service. Members will be able to utilize walk-in teller services like deposits, withdrawals and loan payments, as well as sit with a Member Specialist at a desk. If you would like to sit with a Member Specialist, we recommend you request an appointment. This will help limit wait times due to social distancing and maximum capacity limitations. Branches that are not yet open for full-service will require an appointment to enter the branch and are only offering the in-branch desk services. Please refer to our Resuming In-Branch Access page for more information on what to expect at your appointment and the safety measures we have put in place to keep members and employees safe. Please visit the Branch Services page to view those branches that are drive-thru only and those that currently remain closed.

To help with social distancing, we encourage you to continue to take advantage of the expanded services that are offered through our drive-up teller, as well as our digital resources.

Below is our tentative schedule for branches to return to full service. It’s important to note that these dates are subject to change at our discretion and based on recommendations from local and state governments.

July 8, 2020

  • Clarence
  • Cortland
  • Henrietta
  • Hilton
  • Irondequoit
  • Taft

July 13, 2020

  • Brighton
  • Erie Boulevard
  • Greece
  • Penfield
  • Perinton

July 15, 2020

  • Main/Winton

What to Expect

  • You will be greeted by a Summit employee at the door. They are required to ask health screening questions and help maintain social distancing requirements.
  • We’ve installed social distance markers at each branch. This determines the maximum capacity allowed in the branch at a time.
  • If we reach maximum capacity, you will be asked to wait in your car.
  • We’ve installed acrylic partitions that allow for visibility and conversation while keeping everyone safe and healthy.
  • We have cleaning supplies on hand (gloves, wipes and hand sanitizer available and accessible).
  • We’re regularly disinfecting areas where transactions occur.

Please refer to our Resuming In-Branch Access page for more information on what to expect at the branch and the safety measures we have put in place to keep members and employees safe.

June 25th 1:07 am:

Branch Services

We are excited to announce that in-branch appointments are now available at more branch locations beginning Monday, June 29th.

Below is a current list of locations that offer in-branch appointments.

Recently added locations are in bold (effective June 29, 2020).
  • Brighton
  • Clarence
  • Cortland
  • Delaware Hertel
  • Erie Boulevard
  • Greece
  • Henrietta
  • Hilton
  • Irondequoit
  • Main/Winton
  • Penfield
  • Perinton
  • Seneca Falls
  • Taft

Services Offered at In-Branch Appointments

Please note: There are no in-branch teller services at this time.
  • New Member Accounts
  • Wire Transfers
  • All Loan Closings
  • Home Equity Closings
  • Medallion Stamps
  • Notary Services
  • The Summit Retirement & Investments Services Appointments. To schedule an appointment, please contact us at (800) 836-7328 extension 7230.

Click here to request an appointment or contact the Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030.

Please refer to our Resuming In-Branch Access page for more information on what to expect at your appointment and the safety measures we have put in place to keep members and employees safe. To stay up-to-date, please visit our Covid-19 Updates page.

June 19th 11:07 am:

Branch Services

Effective Tuesday, June 23, 2020 our Seneca Falls branch will resume to a full-service branch.

What to Expect:
Here’s what you can expect at your Seneca Falls branch visit:
  • Since branch visits are no longer by appointment, you might need to wait to enter the branch. Entry will be determined by the social distancing protocols we have put in place.
  • Valid photo identification is required. We may request that you briefly lower your mask for proper identification.
  • No more than two people per visit and no children at your branch visits please.
  • Please do not visit the branch if you have a fever or have been in contact with someone who has been sick, per CDC guidelines.
  • Masks covering nose and mouth are required in all areas of The Summit.
  • Sunglasses, hoodies, ski masks and coverings that cover the entire face are prohibited.
  • Please observe our safety measures.
Safety Measures:
If you need to visit the Seneca Falls Branch, rest assured we’re taking significant precautions to keep employees and members safe.
  • We have installed social-distancing markers to ensure everyone is adhering to the CDC’s recommendation of being 6 feet apart. Please note, you might need to wait to enter the branch.
  • We’ve installed acrylic partitions that allow for visibility and conversation while keeping our employees and members safe and healthy.
  • We have cleaning supplies on hand (gloves, wipes and hand sanitizer available and accessible).
  • We are regularly disinfecting areas where transactions occur.

Additionally, we ask that you please:

  • Adhere to the 6-foot rule for social distancing to help keep our members and employees safe.
  • Adhere to physical distancing instructions which are posted in each branch.
  • Please cover your coughs and sneezes and wear a mask that covers your nose and mouth.

June 18th 12:20 pm:

Branch Services, General Update

Effective Tuesday, June 23, 2020 our Hub branches will now offer appointments for The Summit Retirement & Investment Services. To schedule an appointment, please contact us at (800) 836-7328 extension 7230. Please refer to our Resuming In-Branch Access page to review what to expect and the safety measures we’re taking to keep members and employees safe.

June 16th 10:50 am:

Branch Services

Effective June 20, 2020, the drive-up window at our Taft Road branch will be open Saturdays, 9am-1pm.

June 10th 10:51 am:

Branch Services

Effective June 15, 2020, we will resume in-branch appointments at select branch locations.

We continue to follow guidance from the Centers for Disease Control (CDC) as well as federal, state and local agencies. Protecting the community and our team members however we can is critical. Employees and members are required to adhere to proper hygiene, social distancing rules, appropriate use of personal protective equipment (PPE) and cleaning/disinfecting protocols.

Below is a list of Summit locations that offer in-branch appointments. Please visit the Branch Services page to view those branches that are drive-thru only and those that currently remain closed.

Locations Offering In-Branch Appointments

  • Clarence
  • Cortland
  • Erie Boulevard
  • Greece
  • Irondequoit
  • Penfield
  • Seneca Falls

Services Offered at In-Branch Appointments

Please note: There are no in-branch teller services at this time.

  • New Member Accounts
  • Wire Transfers
  • All Loan Closing
  • Home Equity Closings
  • Medallion Stamps
  • Notary Services

To request an appointment, please call (585) 453-7030 or (800) 836-7328 extension 7030, or submit an appointment request.

For more information on what to expect and our safety measures at branches, please visit our Plan for Resuming In-Branch Access page.

May 22nd 10:54 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 4:15 am:

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 4:30 am:

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 8:00 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 8:30 am:

Paycheck Protection Program

The SBA will cease accepting new PPP loan applications on June 30, 2020. Due to the current low volume of new loan requests, and the typical processing time of 72 hours, Lendio will be deactivating PPP portals at END OF DAY FRIDAY, JUNE 26.

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 4:00 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 1:30 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 2:30 pm:

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 1:30 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 are also open 9:00 am-1:00 pm on Saturdays for your convenience.

April 3rd 1:30 pm:

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 2:30 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 1:30 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 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 1:30 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.