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Back to former Commerce customer info and updates

you asked. we answered. get important details below:


Why am I seeing a $5 credit in my savings?

Since Summit’s accounts are structured to ensure your banking’s built around you as an individual, each of our members’ personal accounts here have a Summit Primary Savings Account tied to it – so it’s likely your former Commerce personal account already has one too. BUT if any of your former Commerce personal accounts that switched over did NOT already have a Summit Primary Savings Account tied to it, we opened one and funded it for you with $5 (which is the credit you’re seeing). Remember, that one-time $5 minimum deposit remains on hold throughout your membership.

What’s different about Summit being a credit union instead of a bank?

As a financial cooperative, Summit is owned by our members (which now includes you!). That means a portion of our profits goes back to you and our other members in the form of lower fees, better rates and even an annual cash give-back. There are great things ahead for your financial, and overall, wellness!

How will things be at Summit?

Summit’s culture is a great fit with what you already loved about the former Commerce – including the employees, who are now a valuable part of our Summit team. You can trust us to help you reach any goal (let’s talk!), plus build wealth and greater financial security and confidence. We’re also actively creating stronger communities. Summit has won several “Best of” awards because our members’ best interests always come first! Get to know us.

When will I be getting information on converting my personal accounts to Summit?

If you're a former Commerce customer with personal accounts, you should've already received an info packet in early March. If you did not get that packet, or if you have any questions, we're here to help! Give us a call at 800-236-5560.

When will I be getting information on moving my business accounts to Summit?

If you’re a former Commerce client with business accounts, you should’ve already received an info packet in September about changes to those accounts that took effect October 1. Let us know if you did not receive that packet by calling 800-236-5560.

Will I get new checks?

The answer depends on whether you have former Commerce business or personal checking:

  • Business checking – Your business checks and account numbers aren’t changing. Keep using the same checks and debit cards you use now.
  • Personal checking – You should’ve received your box of new Summit checks in the mail by March 31. As of April 3:
    • Start using only your new Summit personal checks.
    • Be sure to shred all unused former Commerce checks.
    • Any former Commerce checks submitted for payment after July 1, 2023, will be returned — don’t risk missing an important payment!
    • Didn’t get your new personal checks? Please reach out to us at 800-236-5560.
Is my Former CSB debit card going to work?

If you had a former Commerce debit card for your personal accounts, it will no longer work after April 2 – but you should’ve received a new Summit personal debit card (and PIN, in a separate mailing) by March 31. As of April 3:

  • Activate (if you haven’t already) and start using your new Summit personal debit card.
  • Destroy your former Commerce personal debit card, which is now inactive.
  • Didn’t get your new personal debit card? Please reach out to us at 800-236-5560.
Does Summit offer a free debit card?

We do offer four checking account options with a free debit card – including our Balance Account and Student Free Checking that also have no overdraft fees! Check out all of our checking account options here.

When can I start using Summit branches?

As of April 3, you have access to all Summit branches for your personal account transactions (but keep using the four former Commerce locations in Cedarburg, Elm Grove, Sheboygan and West Bend for business transactions, until further notice).

Will the former Commerce branches be remodeled?

Former Commerce branches will look the same except all signs inside and outside the buildings now say Summit Credit Union.

Will there be Saturday hours at former Commerce branches?

No changes in hours are planned right now for the former Commerce locations. But as of April 3, you now have access to all other Summit branches for your personal accounts, too (which do offer Saturday hours!).

Will any of the former Commerce branches get an ATM?

While there are no current plans for ATMs at the former Commerce branches, it’s certainly a possibility in the future! Plus, you now have access to all other Summit branches and their ATMs for your personal accounts as of April 3, 2023. As a member, you’ll love our network of nearly 5,000 surcharge-free ATMs!

Will I have to set up new passwords for Summit’s online banking?

Yes, you’ll create a new username and password unique to you when you enroll in your new Summit personal online banking as of April 3. If you haven’t enrolled yet, go to and click "Member Login" on the homepage, then "Enroll Now." Use the “Welcome to easy money management at Summit!” flyer that we mailed to you in March as a handy guide if you need it – or feel free to reach out to us at 800-236-5560 with questions and we’re happy to help!

Please note:

  • Once you’re enrolled, you’ll always access your personal online banking from that same “Member Login” button on our homepage at
  • Once you’re signed up for either your new Summit personal online or mobile banking (through our free mobile app), you’re good to go in both, using the same login credentials.
What should I do about my monthly online transfers or automatic payments?

As a reminder, this info didn’t automatically come over from your former Commerce online banking to your new Summit personal digital banking. Starting April 3, be sure to update anything linked to your former Commerce personal account (including your automatic payments, transfers and direct deposits) with your new Summit personal account and routing numbers.

The “Welcome to easy money management at Summit!” flyer we mailed to you walks through how to update your account and payment info or set up your Summit Bill Pay or transfers. And we’re here to help too – just give us a call at 800-236-5560.

Will my loans change under Summit Credit Union?

Everything about your loan will be the same as it is today – your terms, your rate and your payment. You’ll just have even more people on your side to help you!

Will I still get to work with my former Commerce mortgage and business loan officer?

Yes! Former Commerce employees are part of the Summit team, so those familiar faces and connections you count on now are still available to help guide you through every step of your loan experience.