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. Earn up to two special one-time bonuses totaling $75.00 that The Summit will deposit into your RoundUp Savings when your RoundUp Savings account reaches a balance of $250 ($25 bonus) and $500 ($50 bonus). The APY is 0.200% as of December 1, 2025 and is subject to change at any time. Please refer to the RoundUp Savings account Terms and Conditions at summitfcu.org/roundup-terms.

2. 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.

3. 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.

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 $20 (-$20)*
• 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.

Courtesy Pay and Courtesy Pay Select Fees are $29 per transaction if the available balance is equal to or greater than negative $20 (-$20) at the time the transaction posts. 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.

^{^}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.

Cash back, bonus point amounts, program discounts, and coupon values vary in the sole discretion of the applicable participating retailer or service provider.