WELCOME MCC

Earn an Amazon gift card when you get an MCC Visa^®️ Debit Card from The Summit!

The Summit Federal Credit Union partners with Monroe Community College so athletes like you can achieve financial wellness and live the life you want.

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Learn more about how The Summit can help you with your financial well being

Find tips and articles from experts on everything money related.

Budget While Shopping at the Mall

Who doesn’t love shopping with friends? But before you head out, it can be helpful to plan and budget your trip. If your shopping outing is more social, that’s all well and good, but you should be thoughtful about how much money you’re actually spending. Here are some tips to keep in mind before you […]

Impulse Buying – Yea or Nay?

We’ve all been there: you’re at a big-box store or a thrift store, and something catches your eye. It’s a great deal. You throw it in your cart. Before you know it, you’ve somehow spent $100 when you just came in for laundry detergent and deodorant. A 2018 survey showed that 5 in 6 Americans […]

How to Build Good Credit in College

Going to college is one of the first steps of freedom as you transition from being at home with family to living independently as a young adult. With this transition comes a myriad of decisions to make about your education, housing arrangements, social life and money habits. Each decision helps to prepare for a future […]

How to Stay Safe Using Digital Payment Apps

There’s no doubt, the convenience of using cash apps to pay family and friends cannot be underestimated. According to a survey by SMS marketing platform, SimpleTexting, 6 in 10 people prefer to use apps, compared to 8% who like to pay in cash. As with any online account, it’s important to stay safe to avoid scams and minimize fees. Here are some tips:

College Student Budget Trackers

Staying on track with your college budget is crucial. Your budget is both your financial planner and the tool that tracks your money. It will help you plan how you allocate funds, enable you to plan for the future, and empower you to take control of your finances. It’s one thing to make a budget, […]

Your First Off Campus College Apartment

When you decide to move off campus and into your first apartment, there’s a lot you need to know. It seems easy–you just find an apartment you like, sign a document, and it’s yours, right? Well, it’s a bit more complicated than that, and there are plenty of questions you need to be sure to […]

Bank from wherever you are

The Summit’s Virtual Branch is a full-service branch you step into from your mobile or electronic device. Meet with a real live Summit Relationship Specialist on Zoom for help with opening an account or just about anything financial. You get the personal, local service we’re known for with the convenience of being anywhere!

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Take the Guesswork Out of Saving

Make saving automatic

Make saving automatic when you sign up for a RoundUp Savings account at The Summit and get a Summit Visa® Debit Card. Plus, earn up to $75 in milestone bonuses^* just for using your debit card on everyday purchases!

No matter what you’re saving for, make it happen with RoundUp Savings.

Show Me How

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Get help paying for college with a loan from The Summit.

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Benefits of Joining The Summit

When it comes to banking, we’re all in it together. Establish an account today to get these benefits and more.

Free Student Banking

There are no monthly Account Maintenance Fees for students age 22 and under¹.

Digital Edge Account

An all-digital checking and debit card account for students and young adults 16-26. Enjoy no minimum balance, no account maintenance fee, and a special overdraft program¹.

Shared Branching

You can visit any of 5,600 CO-OP Shared Branches nationwide just like you were at a Summit branch.

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Show your Tribune pride every time you pay with the MCC debit card.

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FEDERALLY INSURED BY NCUA. Membership eligibility required. Offer limited to one $5 Amazon® Gift Card per cardholder. Primary and joint members are eligible to receive this bonus. To receive the $5 Amazon® Gift Card bonus members must get a Monroe Community College custom Visa® Debit Card instant issued. Offer limited to the Henrietta Branch (located at 2087 Henrietta Road). Amazon® Gift Card will be issued at the time of that the Visa® Debit Card is issued. Offer subject to change at any time at our sole discretion without notice. While supplies last. Any applicable taxes are the responsibility of the member.

^*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 4/1/2024 and is subject to change at any time. Please refer to the RoundUp Savings account Terms and Conditions at summitfcu.org/roundup-terms.

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 $25 (-$25)**
First box of personal checks upon account opening

**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.

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.

Account maintenance fee of $5.95 per month waved for members 22 years of age and younger. For members over 22, other fee exemptions may be available. Please contact us for more information.

2. Summit Mobile Banking is available only with a Summit FCU Account. To use Mobile Banking you are required to subscribe to a data plan thought your wireless provider. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply. The Summit does not charge a fee for Mobile Check Deposit. You must first be enrolled in Mobile Banking to use Mobile Check Deposit. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. For more information please view the Mobile Check Deposit Disclosure and Agreement.