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You have unique needs for managing your money — let's find the right checking account for you! With plenty of options, you can manage bills, pay friends, move money, set savings goals and more with an online checking account in our easy and time-saving Summit mobile app. Open a checking account free online today! Your future starts 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… Enjoy a financial cushion with overdraft protection. Get the tools you need to manage money on the go in one easy mobile app. Get easy access to more than 5,000 surcharge-free ATMs. Pay or request money from friends and family with Zelle®. Earn money back with Cash Boomerang (over $24.8 million to members so far!) Put more “yay!” in your wallet with fun debit card designs

Checking Account Options to Fit Your Needs

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.
  • No monthly service fee
  • Unlimited check writing
  • Contactless payments with Tap To Pay
  • Free and fast transfers with Zelle®
  • Eligibility for money back with Cash Boomerang
  • Free Bill Pay
  • Free mobile check deposits
  • Unlimited free withdrawals at Summit ATMs
  • Up to 12 surcharge-free ATM transactions/month at non-Summit ATMs
  • Easy money management tools in the free Summit app
  • The option to add your debit card to mobile wallet
$25 FREE 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.
  • Free debit card for ages 14+
  • No monthly service fees
  • Overdraft transfers from primary savings
  • Contactless payments with Tap To Pay
  • Free and fast transfers with Zelle®
  • Eligibility for money back with Cash Boomerang
  • 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
$25 FREE 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.
  • Earn dividends with a balance of $2,500 or more
  • Free debit card
  • Special 0.10% rate bonus on certificates
  • $100 rebate on first mortgages
  • $50 rebate on home loans
  • $10 off safe deposit boxes
  • Free box of checks each year and unlimited check writing
  • Free overdraft transfers from primary savings
  • Contactless payments with Tap To Pay
  • Free and fast transfers with Zelle®
  • Eligibility for money back with Cash Boomerang
  • 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
$25 $15 waived with 6 qualifying services
  • Savings (Includes Primary, Secondary, Go Save, Holiday, IRAs)
  • Summit Financial Advisors investment account with a balance
  • Checking with debit card
  • Money Market
  • Certificates (Includes IRAs)
  • 1st Mortgage serviced by Summit
  • Credit Card
  • Home Equity Loan or Line of Credit
  • Consumer Loan
  • Member > 15 years
  • E-statements
 or $60,000 in combined deposit & loan services 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!
  • Free debit card
  • Earn dividends with a balance of $25 or more
  • Overdraft transfers from primary savings
  • Unlimited check writing
  • Contactless payments with Tap To Pay
  • Free and fast transfers with Zelle®
  • Eligibility for money back with Cash Boomerang
  • Free Bill Pay
  • Free mobile check deposits
  • Unlimited free ATM withdrawals at Summit ATMs
  • Up to 12 surcharge-free ATM transactions/month at non-Summit ATMs
  • Easy money management tools in the free Summit app
  • The option to add your debit card to mobile wallet  
$25 $6, waived with $750 average daily balance 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!”
  • No overdraft or non-sufficient fund (NSF) fees  
  • Free debit card for ages 10+
  • Contactless payments with Tap To Pay
  • Free and fast transfers with Zelle®
  • Eligibility for money back with Cash Boomerang
  • Free Bill Pay
  • Free mobile check deposits
  • Unlimited free withdrawals at Summit ATMs
  • Up to 12 surcharge-free ATM transactions/month at non-Summit ATMs
  • Easy money management tools in the free Summit app
  • The option to add your debit card to mobile wallet
$25 $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 Certified by the Cities for Financial Empowerment (CFE) Fund as meeting the . The certification recognizes accounts that ensure low cost and high functionality while promoting consumer safety.

Smart Money Habits Start Early

Together, let’s give your child everything they need to be a smart spender and saver — building lifelong money management skills, confidence and success!
Free Checking Balance Account Ultimate Checking Account Student Free Checking Dividend Checking Key Features & Benefits
  • No monthly service fee
  • Unlimited check writing
  • No overdraft or non-sufficient fund (NSF) fees  
  • Free debit card for ages 10+
  • Earn dividends with a balance of $2,500 or more
  • Free debit card
  • Special 0.10% rate bonus on certificates
  • $100 rebate on first mortgages
  • $50 rebate on home loans
  • $10 off safe deposit boxes
  • Free box of checks each year and unlimited check writing
  • Free overdraft transfers from primary savings
  • Free debit card for ages 14+
  • No monthly service fees
  • Overdraft transfers from primary savings
  • Free debit card
  • Earn dividends with a balance of $25 or more
  • Overdraft transfers from primary savings
  • Unlimited check writing
Unlimited Check Writing No checks; debit card only Unlimited Free Summit ATM Use Free non-Summit ATM Withdrawals 12/month , 12/month , Unlimited Unlimited 12/month , Free Bill Pay, Online & Mobile Banking Free Mobile Check Deposit Eligible for Cash Boomerang Yes Yes Yes Yes Yes Minimum to Open $25 $25 $25 $25 $25 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
  • Savings (Includes Primary, Secondary, Go Save, Holiday, IRAs)
  • Summit Financial Advisors investment account with a balance
  • Checking with debit card
  • Money Market
  • Certificates (Includes IRAs)
  • 1st Mortgage serviced by Summit
  • Credit Card
  • Home Equity Loan or Line of Credit
  • Consumer Loan
  • Member > 15 years
  • E-statements
 or $60,000 in combined deposit & loan services FREE $6, waived with $750 average daily balance Debit Card Annual Fee $5 FREE FREE FREE FREE Offers Overdraft Protection No overdraft fees Free Overdraft Transfers From Savings — — — — Earns Dividends — — — Minimum Balance To Earn Dividends — — $2,500 — $25 Somehow, the more you open up about money, the less you end up worrying about it. And while the right account sets you up for financial success, getting to the life you want goes well beyond that. Whatever goal you’re trying to achieve, our team will connect you with the tools that work best for your life – and even help make plans for what’s next. Let’s make it happen. Get Started with the Credit Union That Does More for You Additional Tools & Resources

FAQs

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. 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. Your financial future doesn’t end with one account. Maximize your hard-earned savings, too, by opening a or account that puts your money to work double-duty for those longer-term goals.
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