Member Benefits Program

Your accounts work together to earn you extra benefits.

Our Member Benefits Program rewards members for expanding their relationships with The Summit. The more combined Savings, Share Certificate, Loan, Visa® and Mortgage account balances you have at The Summit, the more FREE benefits you’ll receive. Plus, if you have Checking with Direct Deposit with us, you’re automatically exempt from the Account Maintenance Fee.1

How is your Member Benefit Level determined?

On the last business day of each month, we’ll determine your Combined Balance2 and define your Benefit Level3 for that month which will determine your benefits for the following month.

What are the different Member Benefit Levels?

Benefit Level
Partnership Level
Signature Level
Affinity Level
Pinnacle Level
Monthly Combined Balance (All your combined Savings, Loans, Credit Card and Mortgage Balances)
Balances under $2,500
Balances ranging from $2,500.00 to $24,999.99
Balances ranging from $25,000 to $49,999.99
Balances of $50,000 or more
Summit Owned ATM transcations per month
Free Non-Summit Owned ATM transactions per month
Fee for each additional non-Summit Owned ATM transaction
ATM Surcharge Rebate* (Monthly)

Want to see what benefits you’ll receive?

1 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 below. However, other applicable fees disclosed on the Benefit Level Chart still apply based on your Benefit Level.


  • Members 22 years of age and younger.
  • Members 65 years of age and older.
  • Household Income Exemptions (application must be completed and approved)
  • Multiple Account Exemption (Affinity and Pinnacle Benefit Levels)
  • Accounts opened for less than 3 months
  • Accounts that have 10 or more debit card Point of Sale (POS) transactions posted during the month
  • Non-profit organizations
  • Business Accounts
  • Checking with Direct Deposit (at least one direct deposit must be received per quarter)
  • Digital Edge Spend Account
  • Members who are employed through a qualified Member Company that is part of our Health Savings Program offered through our Business Relations Team, and also have a Health Savings Account Share.

2 Combined Balance: Your Combined Balance for each account is the sum of:

  • The average daily balance for the month in your savings and checking accounts;
  • All loan and certificate account balances as of the last business day of the month;
  • Your VISA® credit card balance on the day prior to the last day of the month;
  • Your mortgage balance on the day prior to the last day of the month.

3 Benefit Level: On the last business day of the month we will determine your Combined Balance. If we determine that you are in the Partnership Level (with no exemptions), an Account Maintenance Fee will be assessed. Your Combined Balance will define your benefits for the following month.

*Automatically applied at month end for ATMs in US only.