Debit and Credit Cards | Summit Credit Union

Debit Cards

For a lost debit card, please call (800) 236-5560.

A debit card draws from money you have available in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account.

When you use a credit card, you are borrowing money from finite line of credit offered by a financial institution, depending on your credit limit. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.

Yes. Debit and credit cards have separate daily transaction limits for each of the following:

ATM withdrawals
Signature-based purchases using a PIN
Cash advances
Per day transactions

If you have reached one of your daily limits, you will not be able to process a transaction of that type for 24 hours after the first transaction.

If you would like further information regarding these limits, please .

Yes. Transactions processed outside of the US have a 1% conversion fee charged by VISA. If you transact more than 12 ATM withdrawals while outside the US, you may also be subject to a $1.00 fee charged for each additional withdrawal.

See our here.

We automatically send out new debit and credit cards before your current card expires. Please note: your current card will work through the end of the expiration month listed on your card. For example: If your card expiration date is 06/24 the card will work through 6/30/24.

Note: You should receive your new card at least 2 weeks before your current card expires. If your current card expires in less than 2 weeks and you have not received your new card, please .

prior to using your debit or credit card abroad, or even if you are traveling outside of your normal range in the U.S. you should set a travel alert on your account so your card is approved for use in those regions.

For security reasons, we do not allow card transactions in every country, including countries in which U.S. laws prohibit activity.

You can easily add a travel note to your debit card in digital banking or by .

You must directly approach the company that is charging your account and request that they stop the recurring payment.

Note: Closing the card that is connected to your memberships, subscriptions, and other recurring charges will not stop the transactions from posting.

There is a $5.00 annual fee for Visa debit cards.

This fee is charged each year on the last business day of the month that the checking account was opened. The annual fee is waived for accounts with an Ultimate Checking account, Student Free checking or Balance Account.

Check out our page for more information on annual account fees.

Summit debit cards are accepted at Cirrus and Nyce ATM locations.

Please find a convenient Summit Credit Union branch or surcharge-free ATM near you by using our today!

Note: If you use non-Summit ATMs more than 12 times per month, you will be charged $1 for each ATM transaction over 12.

If there are sufficient funds in your accounts, you can make up to 5 withdrawals or up to a maximum of $500 from an ATM per day.

Summit owned ATMs do not accept deposits, but you are welcome to make deposits at foreign ATMs (not owned by the credit union), that allow deposits. There is no fee for a deposit at a foreign ATM.

Use our to find an ATM near you.

Please note that ATM deposits made at foreign ATMs are typically held for 5 business days.

You can also make deposits electronically using mobile deposit within our mobile banking app.

If you are a member, withdrawals from a are always free!
You may also make 12 free withdrawals from non-Summit ATMs each month, after which each withdrawal may be subject to a $1 fee. (Please note: If you are making a withdrawal from a non-Summit ATM, you may be subject to separate fees from that institution.)
Transactions outside of the US will also incur the VISA 1% transaction fee

You can find a convenient Summit Credit Union branch or surcharge-free ATM near you by using our today!

To update your name on your summit account, you will need to contact us or visit a branch location with a primary form of ID showing the new name.

Once your name has been updated, you can request cards in your new name.

For a New Debit Card
Once you have updated your name on your Summit accounts, stop by one of our to pick up a new debit card right away.

You can also to request a new card be mailed to your address. This may take up to seven business days.

For a New Credit Card
To change the name on your Summit Credit Card, a new card must be issued to the new name. or visit any of our to request a new card.

Unfortunately, this is a case by case issue. Call us at (800) 236-5560 to speak with a Member Service Representative. We are glad to help you sort it out!

If you did not alert Summit that you were leaving town, your card may have been blocked for security purposes. To get your card approved for purchases in regions outside your residential area, or stop by a . Your member representative will make a note on your account saying you will be out of the country so your funds will remain available to you.

You may also set travel alerts directly in digital banking.

Exchange rates are calculated in global currency markets. These exchange rates fluctuate due to:

Inflation
Interest rates
Budget deficits
Public debt
Trade policy
Political stability
Economic performance.

When you use your debit card to make purchases, money is deducted from your checking account. However, an ATM card can only be used at an ATM terminal to withdraw or deposit money, or at certain merchants that accept ATM transactions. Debit cards can be used to make withdrawals from ATMs.

Summit Credit Union does not offer ATM cards.

If you are having difficulties using the automated phone system to activate your card, we may have a different phone number recorded in your file.

To complete your debit activation over the phone, please call us at (800) 236-5560 so we can correct your phone number in our system.

If you would like to reset your PIN please call 888-891-2435 from the phone number we have on file for your account. You will have the opportunity to reset the PIN to whatever you choose.

You may also visit a to select a PIN.

Check your Account for Suspicious Activity
If you suspect fraud on your account or have noticed suspicious activity, right away. Please also see our to answer further questions you may have.

You can to receive your new debit card instantly! You can also and a member service representative will assist you with ordering a new card. Note: Instant issue debit cards are not offered at our high school branches, post office branches, or home loan offices.

If your card is lost or stolen, please lock your card right away in digital banking and call us immediately at (800) 236-5560 to protect your accounts.

As an established cardholder, you can call (833) 285-1734 to change your PIN. You can also and select a PIN of your choice.

Yes, your debit card and a credit card are accepted internationally! Always prior to using your card abroad, or even if you are traveling outside of your normal range in the U.S. so we can set a travel alert on your account and approve your card for use in those regions.

When using your Summit debit or credit card internationally a 1% international fee will be charged with each transaction.

For security reasons, we do not allow card transactions in every country, including countries in which U.S. laws prohibit the activity.

The following countries are blocked by Visa: Belarus, Bosnia & Herzegovina, Central African Republic, Congo, Cuba, Egypt, Eritrea, Guinea-Bissau, Iran, Iraq, Ivory Coast, Korea – Democratic Peoples Republic, Lebanon, Liberia, Libyan Arab Jamahiriya, Macedonia – the Former Yugoslav Republic of Macedonia (FYROM), Montenegro, Romania, Russian Federation

In case of lost or stolen credit, debit, and ATM cards:

Please block your card right away in Online Banking
Contact a member representative at (800) 236-5560 24/7 to protect your accounts.

If you have forgotten your debit card PIN you will need to contact us at (800)236-5560 or visit a branch to reset it.

If you know your current PIN and would like to change it, you can visit one of our and select a PIN of your choice or call 1(833) 285-1734 to set a new PIN through the automated system.

If your debit card is new, you will need to activate your card and set a Personal Identification Number (PIN). You can call 833-285-1734 to set a PIN and activate your card.

If you are an established cardholder and either don’t know or have forgotten your PIN for your debit card, please for assistance in setting a new PIN.

You can also visit one of our and select a PIN of your choice.

You can call 1-833-285-1734 from the primary phone number we have on file for your account to activate your card.

You can also use the card with PIN at any location to activate it.

If your debit card is new, you will need to activate your card and set a Personal Identification Number (PIN). You can call (833) 285-1734 to set a PIN and activate your card.

If you are an established cardholder and either don’t know or have forgotten your PIN for your debit card, please call (833) 285-1734 to set a new PIN.

You can also visit one of our and select a PIN of your choice.

Yes, the parent or guardian on the account can request a checking account or checking account with a debit card for a minor account. Both the minor and parent/guardian are eligible to receive debit cards in their name.

If the account is a UTMA account, the minor cannot process transactions on the account and would not be eligible for a debit card. The custodian could have a debit card.

If the account is not yet opened, you will need to to open a minor account.

Credit Cards

for a Summit Credit Card today!
To meet with a lender, or .

Absolutely! You do not have to be a member to apply. However, if you are approved and move forward with the loan or credit card, you will need to open a Summit Membership account before we can disburse the loan or credit to you. This can typically be completed at the time of your loan closing or when you have accepted to get a Summit Credit Card.

Apply today and get pre-approved by applying for a loan using our online application. If you need further assistance please don't hesitate to contact us and with one of our lenders.

For a lost credit card, please call (866) 570-1238 immediately.
You can also report your lost through Digital Banking.

Please also see our to answer further questions you may have.

Yes, any member can request cash advances for their VISA, Mastercard or Discover card at our . Fees may apply.

Both members and nonmembers can also process cash advances at ATMs with their Credit Card and PIN.

To find a surcharge-free ATM location near you, visit our .

A debit card draws from money you have available in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account.

Yes. Debit and credit cards have separate daily transaction limits for each of the following:

ATM withdrawals
Signature-based purchases using a PIN
Cash advances
Per day transactions