Compare Checking Accounts

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

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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.