COVID-19: Protecting Members and Employees

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

Ongoing Updates

At The Summit Federal Credit Union, our top priority is the safety and health of our members, employees and communities. As we continue to monitor the COVID-19 situation closely, we are taking all recommended prevention and preparation measures, and will keep you all informed.

March 25, 2020 at 3:30 pm: 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.

With the discontinuation of many services in our everyday life 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 25, 2020 at 1:00 pm: 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 20, 2020 10:00 am: Please be aware of an increase in COVID-19 coronavirus scams. The Summit will never ask you for personal information, whether by phone, text, email or web link. 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 17, 2020 at 4:00 pm: Effective March 18, 2020: As the coronavirus situation changes, we have had to alter some operations at our branches. Branches with drive-up capabilities are open during normal hours for drive-up access only.

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.

While our branch lobbies are closed for normal traffic, ATMs remain open and members may make appointments for in-branch services such as loans, The Summit Retirement & Investment Services, and instant-issue debit cards at these locations: Greece, Irondequoit, Penfield, Seneca Falls, Cortland, Erie Blvd. and Clarence. Please call our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030 to make an appointment.

Our Hilton branch is available for ATM and Depository Box service.

March 17, 2020 at 9:00 am: 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 16, 2020: The Summit Retirement & Investment Services April Seminars are Cancelled

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

Branch Services

Rochester Locations

Drive-up Teller
Member Appointments
Temporarily Closed
Brighton
X
Greece
X
X
Excellus
X
Henrietta
X
Hilton
Only ATM and Depository Box Open
Irondequoit
X
X
Main/Winton
X
Penfield
X
X
Perinton
X

Buffalo Locations

Drive-up Teller
Member Appointments
Temporarily Closed
Clarence
X
X
Delaware/Hertel
X

Central New York Locations

Drive-up Teller
Member Appointments
Temporarily Closed
Camillus
X
Cortland
X
X
SUNY Cortland
X
Erie Blvd.
X
X
Seneca Falls
X
Only ATM Open
Taft Rd.
X

Frequently Asked Questions

Our top priority at The Summit is the health and safety of our members, employees and communities. We are enacting all recommended measures as precautions to minimize any exposure risk.

All branches have hand sanitizer and tissues available for member use. Employees who are feeling ill are told to stay home, and all employees are reminded to regularly wash hands and clean surfaces.

Branches with drive-up capabilities are open during normal hours for drive-up access only.

While our branch lobbies are closed for normal traffic, ATMs remain open and members may make appointments for in-branch services at these locations: Greece, Irondequoit, Penfield, Seneca Falls, Cortland, Erie Blvd. and Clarence.

Our Hilton branch is available for ATM and Depository Box service.

Services available at in-branch member appointments include:

  • Instant-issue debit cards
  • Loan closings
  • Medallion guarantee services
  • New accounts for existing members
  • Notary services
  • The Summit Retirement & Investment Services
  • Wire transfers

For securely dropping off deposits at any time, please use our depository boxes which are available at all branches (except Seneca Falls)

Please see chart above for detailed information about the services offered at each branch location.

In an effort to minimize personal contact, we encourage you to take advantage of our digital resources for 24/7 account access and transactions. The Summit FCU offers a variety of ways to access your accounts and manage your money from the comfort of your home or workplace, 24 hours a day. Please see details in the Online Access, Mobile apps and ATMs section below. 

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.

Please be aware of an increase in coronavirus scams. If we reach out to you with a general announcement related to the coronavirus, we won’t ask for or include links requiring confidential information such as your name, password, personal identification number (PIN) or other account information.

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

As a courtesy to support our members during this time, we are waiving our one-time phone EZ Loan Payment fees until further notice. Currently, there is no reinstatement date; however, we may reinstate these fees at any time, and will communicate the change when it occurs.

Online Access, Mobile apps and ATMs

In an effort to minimize personal contact, we encourage you to take advantage of our digital resources for 24/7 account access and transactions. The Summit FCU offers a variety of ways to access your accounts and manage your money from the comfort of your home or workplace, 24 hours a day. Members are able to:

  • Update contact information to stay up-to-date on important communication from The Summit.
  • Make payments on Summit loans.
  • Transfer funds between your accounts.
  • Deposit checks using our Mobile Banking app.
  • Pay bills using Bill Pay.
  • Open a Checking Account, request a debit card, or apply for loans and credit cards.
  • Monitor and control your credit card account with our Summit Credit Cards app.
  • At our ATMs you can deposit checks, withdraw cash, and transfer money. You may also wish to use one of our 55,000 surcharge-free partner ATMs nationwide.

Please remember, our team is available during normal business hours at (585) 453-7030 or (800) 836-7328 extension 7030, or via chat and secure messaging in your online banking account under “Contact Us.”

 

If you haven’t already, download our mobile banking apps!

Mobile Banking App

Download on the App Store Get it on Google Play

The Summit Credit Cards App

Download on the App Store Get it on Google Play

Financial Assistance for Members

March 25, 2020 at 3:30 pm: 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.

With the discontinuation of many services in our everyday life 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 25, 2020 at 1:00 pm: 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.

If you have financial hardship resulting from COVID-19, we are here to assist you. Please contact us at (585) 453-7030 or (800) 836-7328 extension 7030.

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.

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