Set the tone for Your financial life
Your checking account should be helping you get ahead, not holding you back. Summit checking lets you manage your money in the moment, with fewer fees and more perks. Compare checking accounts and find your match.
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Nearly 5,000 Surcharge-Free ATMsBecause having to pay for access to your own money is just wrong.
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Digital BankingManage your money on the go with online banking and bill pay, e-statements sent right to your inbox, digital wallet and our Summit mobile app.
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Cash Back RewardYour account makes you eligible for our Cash Boomerang program. The more you save and borrow, the more you get back.
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Overdraft ProtectionEveryone runs short once in a while. If it happens to you, Summit's got your back when you set up overdraft transfers and overdraft protection loans.Find Out How
Overdraft Transfers from a Deposit Account
Automatic transfers are set up from your primary savings and/or money market account to your checking to cover overdrafts, as long as funds are available. A small $2 fee applies for each transfer from a linked deposit account. To set it up, simply give us a call at 608-243-5000 or 800-236-5560.
Overdraft Protection Line of Credit Loan
Protect yourself from transactions being declined because of non-sufficient funds with an Overdraft Protection Loan.
- Automatic transfers when you need them
- Ensure funds are on deposit for your automatic payments so your bills are paid on time, helping you establish good credit
- Affordable monthly repayment option
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Visa Debit Card
You can use your debit card anywhere Visa is accepted. You can also use it to check your balance, make a deposit or get cash at any ATM. Plus, lots of fun designs to choose from.
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Features & Benefits
Enjoy all the benefits of a Summit checking account:
- Unlimited check writing
- free atm use
- free bill payer, online & mobile banking
- free mobile check deposit
- eligible for cash boomerang3
Checking with debit card and ATM perks a student needs:
- Unlimited check writing
- free atm use
- free bill payer, online & mobile banking
- free mobile check deposit
- eligible for cash boomerang3
Earn dividends on top of all the standard Summit features:
- Unlimited check writing
- free atm use
- free bill payer, online & mobile banking
- free mobile check deposit
- eligible for cash boomerang3
Earn higher dividends with all the perks of any Summit checking, plus:
- 0.10%4 preferred certificate rates
- One free box of checks per year5
- $200 cash back rebate on 1st mortgtages6
- $50 cash back rebate on home equity7
- free visa gift cards
- $10 discount on safe deposit box8
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Minimum to Open$25$25$25$25
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Monthly Service Fee
Free
Free
$6 waived with $750 average daily balance$15 waived with 6 qualifying services or $60,000 in combined deposit & loan services1 -
Debit Card Annual Fee$5FREEFREEFREE
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Earns Dividends
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Free non-Summit ATM Withdrawals212/monthUNLIMITED12/monthUNLIMITED
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Free Overdraft Transfers From Savings
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Minimum Balance To Earn Dividends$25$2,500
Balance your checkbook quickly and easily.
How many times have you asked yourself "where does our money go?"
How much do you have? Count it up and take a look!
You might want to consider whether you are better off using the money you have in savings to pay down debt.
If you're trying to pay down some debt, you might be wondering what the impact would be if you simply increased your monthly payment each month.
