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SPEND, TRACK, GO.
let's talk Checking
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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.

     

  1. Nearly 5,000 Surcharge-Free ATMs

    Because having to pay for access to your own money is just wrong.

    Find an ATM

  2. Summit Anywhere

    Manage 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.

    Learn more about Summit Anywhere

  3. Cash Boomerang

    Your account makes you eligible for our annual cash back reward. The more you save and borrow, the more you get back.

    Learn more about Cash Boomerang

  4. Overdraft Protection

    Everyone 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

     

  5. 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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WHAT CHECKING ACCOUNT IS BEST FOR YOU AND YOUR MONEY?

Choose the checking account with the combination of free stuff, features and perks you like most.

Free Checking
Student Free Checking
Dividend Checking
Ultimate Checking
Free Checking
Student Free Checking
Dividend Checking
Ultimate Checking
  • Features & Benefits

    Enjoy all the benefits of a Summit checking account:

    • Unlimited check writing
    • free atm use
    • free bill payer,3 online & mobile banking
    • free mobile check deposit
    • eligible for cash boomerang4

    Checking with debit card and ATM perks a student needs:

    • Unlimited check writing
    • free atm use
    • free bill payer,3 online & mobile banking
    • free mobile check deposit
    • eligible for cash boomerang4

    Earn dividends on top of all the standard Summit features:

    • Unlimited check writing
    • free atm use
    • free bill payer,3 online & mobile banking
    • free mobile check deposit
    • eligible for cash boomerang4

    Earn higher dividends with all the perks of any Summit checking, plus:

    • 0.10%5 preferred certificate rates
    • One free box of checks per year6
    • $200 cash back rebate on 1st mortgtages7
    • $50 cash back rebate on home equity8
    • free visa gift cards
    • $10 discount on safe deposit box9
  • Minimum to Open
    $25
    $25
    $25
    $25
  • 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
    $5
    FREE
    FREE
    FREE
  • Earns Dividends
  • Free non-Summit ATM Withdrawals2
    12/month
    UNLIMITED
    12/month
    UNLIMITED
  • Free Overdraft Transfers From Savings
  • Minimum Balance To Earn Dividends
    $25
    $2,500