Checking

Access Your Money, Earn Rewards

Choose from our variety of checking accounts and enjoy the convenience of:

  • Visa® Debit Cards with rewards. The alternative to cash and checks that pulls money directly from your checking account. EMV chip technology makes it safe and secure.

  • Direct Deposit. Let your employer and The Summit take care of this transaction for you. Plus you’ll get access to your money faster.

  • Online Services. Access your accounts securely anytime from anywhere with internet access.

  • Mobile Banking. Keep your finances at your fingertips.

  • 24-hour ATM access. Make inquiries or transactions from Summit or partner network ATMs.1

  • Helpful overdraft protection. Bank with confidence knowing that we offer a number of ways to prevent overdrafts.

Plus, when you sign up for Direct Deposit, we’ll waive your Account Maintenance Fee.

Choose the Account that Works for You

Premium Checking
Enhanced Checking
Basic Checking
Best if you want:
A premium account with a Visa Debit or ATM Card that earns dividends on your funds when you maintain a moderate account balance.2
An enhanced account with a Visa Debit or ATM Card.
A basic account with checks.3
Account Maintenance Fee waived with Direct Deposit4
Free Mobile & Online Banking Services
Visa Debit Card with Cash Back5
Eligible for ATM rebates6

Open An Account Today!

Open Account

1 ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking. There will be a $2.00 charge for each additional non-Summit or non-Sharenet owned ATM withdrawal and/or balance inquiry which exceeds the free transactions associated with your Member Benefit Level. Most transactions made at Summit or Sharenet owned ATMs, 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. 
2 If the average daily balance of a Premium Checking Account falls below $1,000 in any month, a fee will be applied to the account for that month. Must maintain a $1,000 average daily balance to earn dividends. See Rate and Fee Schedule
3 ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking.
4 Checking with Direct Deposit (at least one direct deposit must be received per quarter in order to maintain this exemption). See our Rate and Fee Schedule for a full list of exemptions.
5 Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward. 
6 At the Pinnacle Level, we’ll rebate you up to $8.00 a month in ATM surcharges. This rebate will be automatically applied on your statement at the end of the month and covers surcharges at any ATM located in the U.S. up to a total of $8.00 a month.

Your Funds Arrive Like Clockwork – Saving You Valuable Time

Arrange for convenient Direct Deposit and your payroll, Social Security, and other government checks are automatically deposited into your Summit Savings or Checking account.

Why Choose Direct Deposit?

  • Get your money sooner. No more waiting for checks to arrive by mail or to clear. Funds are available the morning of the payment – or sooner!

  • Get paid even when you’re out sick or out of town. Write checks with confidence, knowing funds will be there to cover them.

  • Eliminate the risk of a lost or stolen paycheck. Nearly four million paychecks are lost or stolen each year. Yours will not be one of them.

  • Permanently check one box on your To Do list. No time to visit a branch or ATM? No problem. We’re always happy to see you but we know you’ll be happy to have one less errand to run.

  • Enjoy the convenience of split deposits. Have funds automatically divided into multiple accounts. If one of them is for savings, watch your balance grow!

  • No Account Maintenance Fee. Arrange for Direct Deposit and say goodbye to checking account maintenance fees.2

Sign Up for Direct Deposit with Your Employer Today!

Getting started with Direct Deposit is easy:

  • Ask your employer’s Human Resources or Payroll Department for a Direct Deposit Authorization Form. All you need to complete the form is your checking or savings account number and The Summit Routing and Transit Number (222382315).

  • Return the form to your Human Resources or Payroll representative. That’s it!

Questions? We’re here to help. Call (585) 453-7030 or (800) 836-7328 extension 7030.

1 ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking. There will be a $2.00 charge for each additional non-Summit or non-Sharenet owned ATM withdrawal and/or balance inquiry which exceeds the free transactions associated with your Member Benefit Level. Most transactions made at Summit or Sharenet owned ATMs, 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.
2 Your Account Maintenance Fee will be waived when you have Checking with Direct Deposit. See Member Benefits Program for more details.

Wire Transfers

Funds can be wired directly to or from your account at The Summit. For wire transfer guidelines and a complete listing of associated fees, refer to The Summit’s Wire Transfer Form or speak to a Member Service Representative. Requests to wire funds out of your Summit account must be performed in person at any of our branches.

Learn How The Summit Protects You From Checking Overdrafts

When it comes to overdraft protection, The Summit stands behind you. If a transaction exceeds the available funds in your checking account, we take the following actions to ensure your payments and purchases are successful.

Overdraft Protection/Line of Credit

When available checking account funds are exhausted, we look for an Overdraft Protection/ Line of Credit on the account. Give yourself extra peace of mind and guard against overdrafts with this service (subject to credit approval). Apply today.

Share-to-Share Overdraft Transfer Fee

If an Overdraft Protection/Line of Credit is exhausted or you do not have the service, we then take any available funds from your Primary Savings Account to cover the payment for a $5.00 overdraft transfer fee.

Courtesy Pay and Courtesy Pay Select

After the options above have been exhausted, we’ll see if the account is eligible and enrolled in Courtesy Pay. If so, we pay up to $500 to cover automatic payments and checks that are drawn off the account. If the purchase was made with your debit card, we determine if the account has been opted into Courtesy Pay Select. If the account is eligible for Courtesy Pay and has been opted into Courtesy Pay Select, we authorize and pay the debit card purchase. Limitations exist – see below.

Courtesy Pay
Courtesy Pay Select
Withdrawals
Withdrawals that are initiated by automatic payments, personal checks or Online Bill Payment withdrawals.
All Courtesy Pay withdrawals plus withdrawals that are made with your ATM or Visa® Debit Card.
Eligibility
Courtesy Pay is only available to members whose accounts are in good standing. The primary member on the account must be at least 18 years of age and a member for more than 60 days. We can terminate this service anytime at our sole discretion.
Courtesy Pay Select is only available to members whose accounts are in good standing. The primary member on the account must be at least 18 years of age and a member for more than 60 days. We can terminate this service anytime at our sole discretion. If you are eligible and you opt-in, you may participate in the Courtesy Pay Select Program providing overdraft protection for ATM and Visa® Debit Card transactions.
Fee
There is a $32 fee for each Courtesy Pay transaction payment. (Note: there is no limit on the total fees we can charge you for overdrawing your account.)
There is a $32 fee for each Courtesy Pay Select transaction payment. (Note: there is no limit on the total fees we can charge you for overdrawing your account.)
Limitations
The Cumulative Negative Balance Limitation for Courtesy Pay transactions is $500.00 for eligible members.
The Cumulative Negative Balance Limitation for Courtesy Pay Select transactions is $500.00 for eligible members.
Repayments
Any overdraft resulting from a Courtesy Pay transaction must be repaid within 10 days after the date of the transaction.
Any overdraft resulting from a Courtesy Pay Select transaction must be repaid within 10 days after the date of the transaction.
Opt-In
You are automatically opted-in to Courtesy Pay 60 days after opening your account.
It's fast and easy to opt-in to Courtesy Pay Select through Online Access, at any Summit branch, or the Member Service Center at (800) 836-7328 or (585) 453-7030.

1 ATM cards are not issued on the Basic Checking Account. Consequently, ATM access is not available with basic checking. There will be a $2.00 charge for each additional non-Summit or non-Sharenet owned ATM withdrawal and/or balance inquiry which exceeds the free transactions associated with your Member Benefit Level. Most transactions made at Summit or Sharenet owned ATMs, 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.

Progressive Checking and Business Accounts are not eligible for the Courtesy Pay or Courtesy Pay Select Service.

Refer to the Membership and Account Agreement for further details. You can request a copy by calling our Member Service Center at (800) 836-SFCU or (585) 453-7000.