Wouldn’t it be nice to have some extra spending money this holiday season?

It’s easy to do! The Summit is offering you the opportunity to skip your next loan payment with our Holiday Skip-A-Payment* program. If you have an eligible loan, you can skip your next payment with our Holiday Skip-A-Pay program. All you need to do is submit the coupon with the $30 fee by December 30, 2021.

With so many ways to submit your coupon, it’s never been easier to skip your next loan payment and keep the cash! Try it online or through our mobile app to easily submit your information.

Within Online Access

Log into your Online Access account, then select Additional Services and Skip-A-Pay.

Secure Link

Submit the secure form.

Download Coupon

Complete the coupon and return it with the $30 fee to your local branch or mail to 100 Marina Drive, Rochester, NY 14626 Attention Skip A Pay.

Don’t worry about your loan payment this season. Skip it!

If your loan payments are set up for automatic payments you may need to take additional action:

Scheduled Payments

If you have set up a recurring payment within Online Access, you must deactivate the transfer in the “Schedule a Transfer” section. You can either delete or edit the transfer by revising the next transfer rate.

Payroll Deduction

Transfers will continue to be deducted from your paycheck each period and deposited into your Summit account. Therefore, any payroll deductions for your next payment will be available for withdrawal at a Summit branch, ATM, through Online Access or via Quik Tran.

We’re Here to Help

If you have any questions, please visit any Summit branch or contact our Member Services at (585) 453-7000 or (800) 836-SFCU.

*Skip-A-Payment service is not available for loans with Weekly or Bi-Weekly Payments, Balloon Loans, Any Loans Secured with Real Estate, Share or Certificate Secured Loans, Episcopal SLC, Overdraft Line of Credits, or Visa® credit cards. If your loan payment is past due, you will not be able to take advantage of this special offer. (Only one $30 fee (Finance Charge) will be charged per account, regardless of the number of loan suffixes you elect to skip). Interest will continue to accrue on your outstanding principal balance during this time and the term of your loan may be extended. We are unable to accept telephone requests.

I understand that by returning this coupon to The Summit by 12/30/21, I will be eligible to skip my next loan payment(s) normally due on the loan(s) identified above. I also understand that interest will continue to accrue on my outstanding principal balance during this time. My loan’s maturity date may be extended. In addition, any insurance that I have on my loan(s) will terminate on the date outlined in my loan agreement. I understand that if I fail to return this coupon by 12/30/21, or if I have not paid the $30 fee by that date, my normal loan payment transfer(s) will be made as scheduled. Should this occur and funds are not available to complete my normal loan(s) payment(s), I may be subject to late fees as outlined in my loan agreement. The Summit will not refund any payments made as a result of not returning the coupon prior to 12/30/21. If I have GAP insurance on my loan, I understand that all principal amounts not paid when due under the original loan documents because of the changes made by this agreement shall be deemed to be in default for purposes of calculating the GAP amount in the event of a total loss of the vehicle. If your loan payment is past due, you will not be able to take advantage of this special offer. This promotion is only good to skip one payment per eligible loan.