Consumer Fee and Charge Schedule
Our mission is to help you improve your financial life to reach your dreams. As your resource to a richer life, we’re committed to providing products and services that save you money. That’s why we don’t have tons of fees (you’ll see the word FREE a lot), and the ones we do have are some of the lowest around. Enjoy the Summit difference.
This fee and charge schedule for all accounts sets certain conditions, fees and charges, applicable to your accounts at Summit Credit Union. This schedule is incorporated as part of your account agreement with Summit Credit Union. The following fees may be assessed in connection with your account.
Personal Checking Accounts
Free Checking |
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Balance Account |
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Student Free Checking |
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Dividend Checking |
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Ultimate Checking Package |
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Assured Checking |
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*Qualifying services: Savings, Checking with debit card, Money Market, Certificates, 1st mortgage serviced by SCU, Home equity loan or line, Consumer loan, Credit Card, Member>15 years, E-statements. **Loan balances do not include Student Loans, Credit Card balances,and Mortgages not serviced by us. We combine balances and services for primary and joint signers on the checking account.
VISA Debit Card/ATM Card fees
Deposits/withdrawals/transfers/inquiries at Summit ATM |
Free |
VISA merchant purchases |
Free |
VISA Debit Card annual fee |
$5 per year, per card, per checking account |
Non-Summit ATM* withdrawal fee (12 free each month) |
$1 per withdrawal after 12 |
ISA Fee — International transaction fee |
1% of purchase |
*ATM owner may charge additional fees
Other fees and charges applicable to accounts
Online Banking, Teller Phone, E-Statements, Telephone Customer Service |
Free |
Shared Branch |
$3 per transaction after 5 free transactions per month |
NSF (Non-Sufficient Funds) Fee |
Free |
OD (Overdraft) Coverage Fee |
$28 each time an item is presented |
OD (Overdraft) Transfer Fee Overdraft transfer from share or line of credit |
$3 per transfer |
Stop payment |
$28 each time an item is presented |
Returned deposit/payment/ACH |
$10 per item |
Check cashing (for members with savings only and balance of $100 or less) |
$5 per check |
Inactive/Dormant Accounts |
$5 per month |
Check printing |
Varies by style |
Cashier’s check |
$3 per check |
Foreign item collection |
Varies per item |
Bad address fee |
$5 per month |
Effective 4/1/2022