Checking Accounts
You have unique needs for managing your money – and we’ve got options for your checking account! Plus, manage bills, pay friends, move money, set savings goals and more in our easy and time-saving Summit mobile app.
Reaching Your Goals Just Got Easier
Your future starts right here with the right checking account – one that supports strong financial habits and offers a safe place to work toward whatever goal comes next. Not to mention…
Free Checking
This checking account has everything you need and zero fees – compare that to the hundreds you’d pay every year banking somewhere else! Those big-time savings can help build a rainy-day fund or reach other goals you’re working toward.
Key Features & Benefits
- No monthly service fee
- Unlimited check writing
Also Includes
- Contactless payments with Tap To Pay
- Free and fast transfers with Zelle®
- Eligibility for money back with Cash Boomerang³
- Free Bill Pay
- Free mobile check deposits
- Unlimited free ATM withdrawals
- Easy money management tools in the free Summit app
- The option to add your debit card to mobile wallet
Minimum to Open
Monthly Service Fee
FREE
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Balance Account
Named for all that financial balance you’ll have with built-in protection from overdraft fees. That's more confidence and more money for your goals – plus, way less paper with zero checks. The environment just said, “Thank you!”
Key Features & Benefits
- No overdraft or non-sufficient fund (NSF) fees
- Free debit card
Also Includes
- Contactless payments with Tap To Pay
- Free and fast transfers with Zelle®
- Eligibility for money back with Cash Boomerang³
- Free Bill Pay
- Free mobile check deposits
- Unlimited free ATM withdrawals
- Easy money management tools in the free Summit app
- The option to add your debit card to mobile wallet
Minimum to Open
Monthly Service Fee
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Certified by the Cities for Financial Empowerment (CFE) Fund as meeting the Bank On National Account Standards. The certification recognizes accounts that ensure low cost and high functionality while promoting consumer safety.
Ultimate Checking Account
How about a reward for that hard-earned balance, like an account with the most dividends and extra perks to achieve some of the other to-dos on your list? Plus, get money off a Summit first mortgage, home equity loan and more.
Key Features & Benefits
- Free debit card
- Special 0.10%4 rate bonus on certificates
- $200 rebate on first mortgages5
- $50 rebate on home equity6 loans
- Free Visa gift cards
- $10 off safe deposit boxes7
- Free box of checks each year8 and unlimited check writing
- Overdraft transfers from primary savings
Also Includes
- Contactless payments with Tap To Pay
- Free and fast transfers with Zelle®
- Eligibility for money back with Cash Boomerang³
- Free Bill Pay
- Free mobile check deposits
- Unlimited free ATM withdrawals
- Easy money management tools in the free Summit App
- The option to add your debit card to Mobile Wallet
Minimum to Open
Monthly Service Fee
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Student Free Checking
That means stress-free, too! From starting high school to continuing your education, this account was made to help any and every student manage their money. With no monthly service or debit card fees, you’ll save hundreds to put toward your future.
Key Features & Benefits
- Free debit card
- No monthly service fees
- Overdraft transfers from primary savings
Also Includes
- Contactless payments with Tap To Pay
- Free and fast transfers with Zelle®
- Eligibility for money back with Cash Boomerang³
- Free Bill Pay
- Free mobile check deposits
- Unlimited free ATM withdrawals
- Easy money management tools in the free Summit app
- The option to add your debit card to mobile wallet
Minimum to Open
Monthly Service Fee
FREE
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Dividend Checking
You’re dedicated to reaching your financial goals and this account was made to help with dividends on balances as low as $25 – a great way to start small and think big!
Key Features & Benefits
- Free debit card
- Earn dividends on your balance
- Overdraft transfers from primary savings
- Unlimited check writing
Also Includes
- Contactless payments with Tap To Pay
- Free and fast transfers with Zelle®
- Eligibility for money back with Cash Boomerang³
- Free Bill Pay
- Free mobile check deposits
- Unlimited free ATM withdrawals
- Easy money management tools in the free Summit app
- The option to add your debit card to mobile wallet
Minimum to Open
Monthly Service Fee
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Choose the Checking Account That’s Right for You
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Key Features & Benefits
- No monthly service fee
- Unlimited check writing
- No overdraft or non-sufficient fund (NSF) fees
- Free debit card
- Free debit card
- Special 0.10%4 rate bonus on certificates
- $200 rebate on first mortgages5
- $50 rebate on home equity6 loans
- Free Visa gift cards
- $10 off safe deposit boxes7
- Free box of checks each year8 and unlimited check writing
- Overdraft transfers from primary savings
- Free debit card
- No monthly service fees
- Overdraft transfers from primary savings
- Free debit card
- Earn dividends on your balance
- Overdraft transfers from primary savings
- Unlimited check writing
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Unlimited Check WritingNo checks; debit card only
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Free ATM Use
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Free Bill Pay, Online & Mobile Banking
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Free Mobile Check Deposit
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Eligible for Cash Boomerang
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Minimum to Open$25$25$25$25$25
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Monthly Service Fee
FREE
$5, waived for account holders age 17 and under OR with 10 or more debit card purchases in a month and either a Summit student loan or Summit Student Rewards Visa credit card$15 waived with 6 qualifying services or $60,000 in combined deposit & loan services1FREE
$6, waived with $750 average daily balance -
Debit Card Annual Fee$5FREEFREEFREEFREE
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Free non-Summit ATM Withdrawals212/month12/monthUNLIMITEDUNLIMITED12/month
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Offers Overdraft ProtectionNo overdraft fees
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Free Overdraft Transfers From Savings
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Earns Dividends
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Minimum Balance To Earn Dividends$2,500$25
Tools & Resources
Additional Tools & Resources
FAQs
More Tools to Help Grow Your Money Smarts
Mobile Banking
Manage Your Money Anytime, Anywhere
Your life doesn’t slow down – so you need on-the-go banking that can keep up! All Checking accounts come with the Summit Mobile App, including features like Mobile Check Deposit, secure transfers with Zelle® and autopayments using Bill Payer.
GO Bundle
Get Tools to Set Yourself Up for Success
Start your finances off right with a Student Free Checking or Balance account. Then, add other features that are perfect if you’re new to managing your money – like great rates on Auto and Student Loans, a Student Rewards Credit Card and more – when you build your own GO Bundle.
Certificate and Money Market Accounts
Get You More for Your Savings
Your financial future doesn’t end with one account. Maximize your hard-earned savings, too, by opening a Certificate or Money Market account that puts your money to work double-duty for those longer-term goals.
