Make a Payment Rates About Careers Contact Locations
Everyone runs short once in a while. But Summit’s got your back with our overdraft protection options!

Balance Account

If you have a  , your transaction will automatically be declined if there isn’t enough money in your account to cover it. And that means you’ll never have to worry about overdraft fees.

All Other Checking Accounts

For other kinds of  , you can choose from two types of protection: Overdraft Transfers and Overdraft Protection Line of Credit.Please note: Overdraft protection doesn’t happen automatically; you’ll need to set it up   or at a  .
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 $3 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 available for your automatic payments so your bills are paid on time, helping you establish good credit
  • Affordable monthly repayment option
Featured Products Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Financial Education Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts About Equity in Money™ About Summit Careers News Community Giving Equity in Money™ About Summit Careers News Community Giving Help & Support Contact Us Member Support Center Schedule an Appointment Find a Branch Contact Us Member Support Center Schedule an Appointment Find a Branch
Please read the following before proceeding to: The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site.
NCUA Insurance Estimator Privacy, Security & Accessibility Rates Terms and Fees Routing Number
* The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2023, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the LEI: 254900NTAC4H10MGSU23 ** SBA Lender of the Year Award for Credit Unions as awarded by the Small Business Administration of Wisconsin in 2024. Copyright 2025 © Summit Credit Union. All rights reserved. If you are using a screen reader and are having problems using this website, please call 608-243-5000 for assistance. Insured by NCUA