Image: Decorative graphic for Mobile Banking & Online Services

Have Your Finances at Your Fingertips

Account access when you’re out and about just got easier! With The Summit’s mobile solutions, you’ll have your finances at your fingertips. Sign up for free Summit Online Access and use Mobile Banking and Mobile Apps to:

  • Check account balances

  • View recent transactions

  • Transfer funds

  • Pay bills

  • Locate our branches and ATMs

Enroll in Text Message Banking and get alerts, too. Manage your Summit accounts from the convenience of your phone — anytime, anywhere. Download our app today!

Mobile Banking

Get 24/7 account access with your web-enabled phone. The Summit’s Mobile Banking is a free service that allows you to access your account information and conduct transfers, plus pay and manage your bill payments from any mobile device that can access the Internet1.

You will need:

  • Your Summit Online Access username and password or your account number and temporary Personal Identification Number (PIN) provided by The Summit at the time of account opening.

  • Any mobile device that has web browsing capabilities and can access the Internet.

To get started:

  1. Login Information: From your mobile device, visit to access The Summit Mobile Access page. Enter your username and password (or your account number and temporary PIN for initial setup).
  2. Confirm Identity: You can choose to respond to a text or phone call to confirm your identity. After confirmation, select the Go To My Accounts button.
  3. Future Logins: Once you enter your username and password, after confirming your identity during the initial login, you will be brought directly to your Account Summary screen.

To make a transfer using Mobile Banking:

  1. Select the Transfers tab.
  2. Select an account within the From account dropdown menu.
  3. Select an account within the To account dropdown menu.
  4. Enter the amount you would like to transfer in the Amount field.
  5. Select the Transfer funds button.
  6. Add a Memo if you would like.
  7. Verify the transfer information and select Confirm.
  8. A confirmation screen will appear and you can choose to return to your accounts or conduct another transfer.

Mobile Apps

Manage your accounts anywhere – from the pre-game tailgate to the grocery store line.

If you own a smartphone or tablet with internet access, you can download our free Mobile Banking App. Access your account information, transfer funds and pay your bills2 right on your iOS® or Android® device.

Download now:

Download on the App Store
   Get it on Google Play

Use your mobile phone or tablet to download our Mobile App from the iTunes App Store or Android Marketplace. Once the app is downloaded, log in with the same user ID and password that you use for Summit Online Access, and you can start accessing your accounts immediately.

The details:

When you select an account name on the Accounts tab, the last 30 days of transactions are displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions. You can also pay bills, schedule transfers and find the closest ATM or branch with The Summit Mobile App.

Have our Visa® Platinum or Signature Credit Card?

As points add up, use the CURewards app to redeem for cash, gift cards, travel, merchandise, and more.

Text Message Banking

The fastest way to get your Summit account information when you’re on the go!

As long as you have text messaging enabled with your mobile carrier, you’ll have instant account access from your phone with our Text Message Banking service. The service is free and supported on all major mobile providers in the U.S.3

Activate now

Visit the Alerts & Notifications tab under Additional Services within Summit Online Access to enroll your mobile phone. During the setup process, we send you a text message with your activation code. Verifying your phone is a one-time step that takes just a few minutes, and is one way we ensure the security of mobile text messaging. Once your phone is verified, simply send a command to 454545 and we’ll respond with your account information within seconds!

BAL – Get balance on your primary account

BAL ALL – Get balance on all your Summit accounts

BAL CHK – Get balance on your checking account

BAL SAV – Get balance on your savings account

LAST – View your last five transactions on your primary account

TRANS – Transfer funds to your primary account

HELP – Request help on commands for text message banking

STOP – Deactivate text message banking service

Your Security

Our Mobile Banking, Mobile App, and Text Message Banking are secure services for all Summit members. To protect your privacy, we require you to authenticate yourself, using the same information from Summit Online Access, on each individual mobile device. All communication between your mobile device, wireless provider, and the mobile banking server are encrypted.

In addition, your passwords and account information are never stored by the mobile device or in the Mobile Banking application. Text messages will never contain your personal information (social security number, full account numbers, etc.). Our Mobile Banking capabilities are safe and secure.

Please read our Disclosures for Electronic Communication for more information.

1 Summit Mobile Banking is available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.

2 This feature is enabled for members that have previously signed up for Bill Pay through Summit Online Access and have at least one payee set up in the system.

3 We won’t charge you; however, standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

iPhone, iPod touch and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc.

Quick Balance

Quick Balance allows you to quickly access your account balances and recent transactions without the hassle of logging into the app. With Quick Balance, you can always stay on top of your financial status. Before you can take advantage of this new feature you will need to enable it in The Summit Mobile App.

To Enable Quick Balance:

  1. Log in to The Summit Mobile App
  2. Go to More (located in the bottom right corner)
  3. Select Settings and then Quick Balance
  4. Select Current Device and turn on Quick Balance for that mobile device

To check balances or transactions, simply swipe down anywhere in the login area. It’s that easy!


Popmoney Mobile®

Sending money is as easy as sending an email or text message. You can transfer funds directly to just about anyone, with no need to write a check, exchange account numbers or carry cash.

It’s similar to sending money through PayPal using an email address. But Popmoney has the added convenience of being right inside your password-protected Summit online account.

It’s simple to get started:

  1. Log in to The Summit Mobile App
  2. Click on More
  3. Click on Popmoney
  4. Click on Enroll Now – To pay someone, all you need is their mobile number or email address
  5. Accept the Disclosure and get started!

Please note: You can also request money when you access Popmoney through your online account.

Read the full disclosure.

Apple Pay™

The easy, safe, and private way to pay is now available on your Summit Visa® Debit and Credit Card1.

Pay with One Touch and Pay with Peace of Mind are subordinate to Apple Pay

Pay with One Touch

Use Apple Pay and your favorite Summit Visa Card to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps. To see a complete list of participating stores and online apps, visit

Pay with Peace of Mind

Apple Pay transactions are authorized with TouchID™ thumbprint security or your passcode, and your card number is never used for transactions. Face ID™ may also be available depending on the version of your iPhone.

Make sure your Apple device (iPhone, iPad, or Apple Watch®) is on the latest operating system.

Get Started with Apple Pay

1 Apple, the Apple logo, Apple Wallet, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Face ID are trademarks of Apple Inc. View the Apple Pay Terms and Conditions.

Mobile Check Deposit - with your Summit Mobile App

Depositing checks at The Summit just got easier with our free Mobile Check Deposit service1. Just sign and notate Mobile Check Deposit on the back of your check, snap a photo with your smartphone or tablet, and submit it. It’s that fast and easy!

Get started:

You’ll need to have an online account through Summit Online Access.

  1. Download The Summit Mobile App for your Apple or Android device2
  2. Sign on to your account on The Summit Mobile App using your Summit Online Access username and password3. (Note: You are only able to make a deposit into the account you are currently logged in to)
  3. Follow the step-by-step instructions that appear on your screen.

What you need to know:

You need to qualify for Mobile Check Deposit:

  1. Members with a share account balance greater than negative $530.00
  2. Members that are eligible for Courtesy Pay
  3. Members that are not past fifteen (15) days delinquent on any Credit Union loan or obligation

There is a separate Check Hold Policy:

  1. Up to $300 of your deposit will be available immediately and the remainder of your funds will be on hold for 4 business days. For accounts opened less than 60 days and/or under 18, no funds available until 4th business day.
  2. Holds will apply to ALL check types, including but not limited to payroll, government and certified checks. This is because the Mobile Check Deposit service does not recognize specific types of checks. If you need the funds immediately we suggest going to your local Summit branch or Co-Op Shared Branch.

Face ID

Members with new iPhone devices, that have not logged into Mobile Banking previously, will be prompted to enroll in Face ID. All devices that support Face ID will be able to use this feature.

1 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.

2 Mobile Banking is a free service available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.

3 Log in with the same user ID and password you use for Summit Online Access. Not signed up for Online Access yet? Visit our homepage to register today.

Online Access

Safe, Easy Convenient Banking

Take care of your finances anywhere with internet access using Summit Online Access, or Mobile Banking using a smartphone or a tablet.  It’s safe, easy to use, and best of all, free for Summit members.

Get started Now

Conduct secure, confidential transactions and inquiries, such as:

Access Your Money in the Palm of Your Hand

  • Check your account balances and transaction history

  • Sign up to view your statements online with E-Statements

  • Transfer funds instantly between your Summit accounts

  • Review activity on your Summit Visa® Credit Card by visiting Visa Access under the Credit Cards section of Online Access

  • Search checks that have cleared and view check images

  • Schedule automatic transfers at your convenience

  • Send money to people at another financial institution with Popmoney®

  • Download or export your account information into a formatted file

Manage Your Loans

  • View your next loan payment due date, payoff amount, and interest rate

  • Submit secure, confidential loan applications

  • Make loan payments

Update Your Information

  • Update your postal address or email address

  • Change your Username and Password

Get Notifications & Alerts

  • Sign up for Text Message Banking

  • Set up account Alerts & Notifications

More Online Access Benefits

  • Live chat with a Member Service Representative

  • Earn Cash Back with Purchase Rewards using your Visa® Debit Card

  • Order new or replacement checks

For features available with your Smartphone or Tablet, visit our Mobile Banking.

You will need:

  • Your account number.

  • Your Summit issued temporary Personal Identification Number (PIN). The PIN is obtained at the time your Summit account is opened or a Summit representative can provide one to you. This PIN is different than your ATM/Debit Card PIN.

  • Summit Online Access must be established in order to use the Popmoney service.

  • Your Summit Online Access username and password or account number and temporary Personal Identification Number (PIN) for initial online access setup.

To get started:

  1. Login Information: Visit Begin by entering your account number for your Username and temporary PIN (provided by The Summit) for your Password under Online Access Login for the initial login.
  2. Create Username and Password: You will be prompted to create a username and password. The personal information section must also be completed.
  3. Terms and Conditions: To enroll in the service, select the box indicating you accept all Terms and Conditions. If you do not accept the Terms and Conditions you will not be able to register for Online Access.
  4. Complete Sign Up: After you have completed the registration process, you will see a “Sign up completed!” message. Click the Confirm contact information button to continue.
  5. Verify Multi-Factor Authentication (MFA) Information: Upon a successful registration, up to two phone numbers and an email address will be listed as your MFA contact information. These contact options will be used for authenticating any future unrecognized devices. Choose one of these options for the verification code to be sent.
  6. Enter Verification Code: Type the verification code, which will expire after 10 minutes and consists of random digits.
  7. Register the Computer: If using your personal computer, register it by clicking Yes, this is a private computer so you aren’t prompted for the verification code upon your next login. If you are on a public computer, choose No, this is a public computer. You will then be automatically redirected to Online Access.

Cash Back with Purchase Rewards

Did you know you can earn rewards every time you shop at your favorite stores? The Summit Debit Card is the card that pays you back. You receive rewards based on purchases you make at major retailers and restaurants. The more you use your card, the more offers you receive and the more rewards you can activate and enjoy.

Learn how to start earning rewards today!

Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward.


Sending money is as easy as sending an email or text message. Summit Online Access features the Popmoney personal payment service. Send money directly to just about anyone, with no need to write a check, exchange account numbers or carry cash. You can even request money from others!

It’s similar to sending money through PayPal using an email address. But Popmoney has the added convenience of being right inside your password-protected Summit online account.

Here's how it works:

  1. Enter the recipient’s name, email address or cell phone number and the dollar amount.
  2. An email or text message automatically notifies the recipient.
  3. The recipient securely enters an account number online.

To get started:

  1. Login Information: Visit Enter your username and password (or your account number and temporary PIN for initial setup).
  2. Register for Popmoney: Hover your cursor over the Move Money tab at the top of the page and select Popmoney. Next, select the Get Started button.
  3. Confirm Your Information: Enter the requested information in the spaces provided.
  4. Terms and Conditions: To enroll in the service, select the box indicating you accept all Terms and Conditions. If you do not accept the Terms and Conditions, you will not be able to register for Popmoney. Fees apply, refer to the Rate and Fee Schedule.
  5. Send Money: Select the Send Money tab
    1. Enter the recipient’s first and last name and email address or mobile phone number in the spaces provided.
    2. Enter the amount you would like to send.
    3. Choose a send date.
    4. Choose a delivery method.
    5. Choose a Pay From account from which the funds will be debited.
    6. Include an email message (optional).
  6. Verify Payment: Confirm the payment information including the Pay From account, the recipientdelivery method, and the total amount of the transfer including any applicable fees. After confirming the information, select the Send Payment button.
  7. Request Money: Select the Request Money tab
    • Enter the contact name from whom you would like to request money.
    • Enter the amount you would like to request.
    • Select a Deposit To account.
    • Add a due date (optional) by selecting the Add a due date box and then selecting a date.
    • Write an email message to the contact name from whom you are requesting money.
    • Add a note to the transaction (optional). The note will not be seen by the contact name.

Review your request to ensure that the nameemail addressamount requested, and Deposit To account is accurate. To complete the request, select the Send Request button.

Read the full disclosure.

Manage and Safeguard Your Accounts with User-Defined Alerts

Staying up-to-date with your account is easy. Text message (SMS) and email alerts are offered frequently throughout the day to ensure you have current information on any eligible account. Plus, you can customize your alert preferences and add additional alert options (see below). Simply:

  1. Log in to Summit Online Access
  2. Click on Alerts & Notifications under the Additional Services tab
  3. Add your alerts and notifications

Stay on top of your finances with text message alerts that can be sent to one phone or multiple phones. The available options are:

  • High Balance
  • Check Cleared
  • Maturity Date
  • Payment Due
  • Payment Overdue
  • Personal Reminder
  • Large Withdrawal
  • Balance Update
  • Low Balance
  • Large Deposit

Balance alerts can be sent any day of the week or:

  • Every Two Weeks
  • Monthly
  • Twice Monthly
  • Every 3 Months
  • Every 6 Months
  • Every Year

Stay well-informed with email alerts for:

  • Large Withdrawal
  • Large Deposit

Alerts can be sent to a primary email address and one additional address. If you would like to learn how to enroll in Purchase Alerts for your Summit Debit or Credit Card, visit our Fraud Prevention Center.

Resources and information


E-Services: No Paper, No Clutter, No Waste

Sign up for free Summit E-Statements today and decrease the amount of paper clutter in your life, plus reduce waste in the environment! With paperless E-Statements, you can view your account balances and transactions from anywhere, days before paper statements would arrive in the mail. Plus, stay up-to-date on product and service offerings, Summit news, upcoming events, and more with Summit emails. Log into Summit Online Access on our homepage and click Additional Services and then E-Statements to sign up! It’s that simple to go green. Once you’re signed up, you’ll receive an email letting you know when your statement or newsletter is ready for viewing.

Online Bill Pay

The Easy Way to Pay

Simplify your life with a powerfully convenient Online Bill Pay experience. With Summit’s FREE Online Bill Pay1, you can pay anyone, at any time, from anywhere that you can access your account online. Bill Pay lets you pay and manage your bills from one simple-to-use site. You can even schedule your payments so you don’t miss due dates.

With Online Bill Pay, you can:

  • Arrange email alerts for bill arrivals, due dates and upcoming payments

  • Receive confirmations when your payment has been sent

  • Categorize your bills by type of service, such as credit cards, automobile servicing, etc.

  • Enjoy faster payment — Your payment will be processed in the same day as requested (before 9:00 pm Eastern Time)

  • Schedule automatic recurring payment rules for each payee

  • Run payment reports and create custom reports

  • Receive e-bills (directly into your in-box)2

  • And much more!

To get started, log into Summit Online Access on our homepage and click on Pay Bills or call (585) 453-7030 or (800) 836-SFCU extension 7030 for more information.

Resources and information

 Online Bill Pay Disclosure

Frequently asked questions about Summit Online Bill Pay

Need to reset your password?

1 The Bill Pay option is free to all Summit members. Bill payments will be deducted from your Summit account via electronic bill payment through the ACH (Automated Clearing House). If the vendor to whom you are making your payment does not accept payment electronically, checks will be mailed directly to them. Electronic payments may take 3-5 days to be received. Check payments may take up to 10 days.

2 If you opt to receive e-bills, you will be required to review and approve all e-bills prior to authorizing a payment. This is an important step to ensure that all billing is accurate.