We care about you, and our top priority is your health and safety. We are following all recommended measures to best protect you, our employees and our communities.

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.

For more information on in-branch safety measures, please visit our Plan for Resuming In-Branch Access page.

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. 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.

Please refer to our Resuming In-Branch Access page to view the full branch schedule and 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. 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
Locations to resume to full-service are in bold (effective July 8, 2020).

  • Brighton
  • Camillus
  • Clarence
  • Cortland
  • Delaware Hertel
  • Erie Boulevard
  • Greece
  • Henrietta
  • Hilton
  • Irondequoit
  • Main/Winton
  • Penfield
  • Perinton
  • Seneca Falls
  • Taft

The services offered at in-branch appointments are:  

  • New Member Accounts
  • Wire Transfers
  • All Loan Closings
  • Home Equity Closings
  • Medallion Stamps
  • Notary Services
  • The Summit Retirement & Investments Services Appointment. To schedule an appointment, please contact us at (800) 836-7328 extension 7230.

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

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

To schedule an appointment with The Summit Retirement & Investments Services Appointment, please contact us at (800) 836-7328 extension 7230.

All of The Summit credit card benefits are available below:

You can also contact us at (585) 453-7030 or (800) 836-7328 extension 7030.

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.

As the coronavirus situation unfolds, we know that you may need extra help. We are here to assist you. If you have experienced a disruption in your income due to COVID-19, and need help meeting your monthly obligations, we have resources designed to help members facing financial hardship due to COVID-19.

Loan Payment Relief Assistance
Loan extensions for members who qualify are available for up to 3 months on consumer loans including auto, home equity, boat, RV and personal loans. We are waiving loan extension fees for COVID-19-related extensions.

Visa Payment Relief Assistance
To provide relief, we have implemented an automatic Visa Emergency Skip-A-Pay option2 for payments due in May. Members who qualify will see a $0 payment due on their statement. To discuss other Skip-A-Pay options, please call our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030.

Mortgage Loan Assistance
Should you need temporary relief from your mortgage payments You may request up to 6 months of first mortgage loans forbearance (suspension of payments). During the forbearance, you will not be charged late fees, and payments will not be reported late to the credit reporting agencies.

Emergency Personal Loan
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.

Member Assistance Loan
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.

Member Fee Waivers
As a reminder, we returned to our standard fee policy for EZ Loan Pay, Courtesy Pay, Courtesy Pay Select and Share-to-Share Overdraft Transfer fees.

We are here to assist you. Please contact us at (585) 453-7030 or (800) 836-7328 extension 7030.

As a reminder, on June 15, 2020 we returned to our standard fee policy for EZ Loan Pay.

The IRS has started 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 months 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.

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.