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To simplify your business management today and to support ongoing future improvements, we’re updating our commercial banking platform. With these service enhancements, there are some key changes to your overall commercial accounts, management and digital banking – and we’ll keep you in the loop every step of the way!

Everything You Need to Know

Here are the key things to know right now – and watch your email, mailbox and this web page for the latest details.
We've kept things as similar as possible for a smooth transition. Here's what you need to know so you're ready on March 2. Here’s how to log in to your new Commercial Online Banking for the first time. Just a few important things to take care of once you’re in your new Commercial Online Banking on or after March 2. Find answers to common questions, which we'll update as needed along the way. Get to know your new Commercial Online Banking with our video tutorials and guides.

Customize Your Digital Banking to Fit Your Needs

From the welcome screen in your new Commercial Online Banking or new mobile app, focus on the accounts and tools you use most, including these highlighted features:
Assign your accounts to a group(s) that you can custom name for easy access (for ex., Operations). Easier than ever. Run any report you've starred as a favorite, plus view or create custom reports. See important updates in the Information Center. Put links to helpful and commonly used sites at your fingertips.
 Easily and securely do anything from your app that you can do through your desktop Commercial Online Banking, including:
  • View account transactions, notifications and payment activity
  • Deposit checks and create bill payments
  • Research transactions across all accounts you have
    access to see
  • Run custom reporting for balances and transactions
  • Make loan payments and request advances
  • Initiate ACH, wire or transfer payments and approve/reject payments pending approval
  • Authorize users to view and transact on your accounts
  • View, pay or return Positive Pay check and ACH exceptions pending approval

Key Changes and Important Dates

We’ve kept things as familiar as possible to make your transition a smooth one.Here’s what you need to know about key differences:

New Online Banking Link and Mobile App

  • Instead of signing in to “SCU Business,” you’ll see a new link online (in the same place you go to now) called "Commercial Online Banking" – or access through our new mobile app.

Debit Cards

  • If you currently have a Summit business debit card, you’ll get a new debit card in the mail as a replacement, for use as of March 2.
    • No change to Summit checks – keep using any that you have now.

Loans

  • Your current Loan Account and Note Number will be consolidated to one number, renamed as your “Loan Number,” and will no longer have a hyphen. (For ex., an account number of 12345678-123 will now be 12345678123.)
    • It's important to update this number with any other financial institutions used to make Summit loan payments.
  • Closed loan history will reflect any loans you close from the launch of your new Commercial Online Banking and on (vs. all previous loan closing history).

Member Statements and Notices

  • These will include the same information they do now – but with a fresh, new look.
    • Note for e-statements: You’ll get a paper statement in the mail for February 28, 2026, even if you normally get e-statements. Your e-statements for March/April and on will be available as usual, and your e-statement history for September 2025-February 2026 will show in your digital banking in May.

Transaction History

  • The last 3 months of transactions will be available right away in your new Commercial Online Banking. Over time, you’ll build a rolling history of up to 13 months of your most recent transactions.

Alerts and Controls

  • Any account alerts or controls you currently have set up in your SCU Business banking will need to be reset in your new Commercial Online Banking.
You’ll still enjoy the Treasury Management Services you expect from Summit—including ACH Origination, Desktop Remote Deposit Capture (RDC), Online Wire Origination and Positive Pay. Your current wire and ACH templates will carry over just as they are today.Plus, enjoy easier access to ACH Notification of Changes and Returns! You’ll now be able to see these right in your online banking. Access and manage them at your convenience.

Note these key changes for Treasury Management users:

International Wires

  • Watch for more great capabilities for international wires. Updated information on this is coming soon! Along with international wires, you’ll still be able to submit domestic wires as part of your Treasury Management services in your new Commercial Online Banking.
    • Until further notice, if you need to send an international wire, please email us at

Dual Control

  • Positive Pay: Dual control is not available for Positive Pay in new Commercial Online Banking.
  • ACH/Wires: Dual control is available for ACH/wires in new Commercial Online Banking at the company level, meaning all users will need their ACH or wire transactions approved if this is in place.
    • If you had dual control turned on at the company level before in your SCU Business banking:
      • This will automatically be turned on for you when we launch your new Commercial Online Banking March 2.
      • You’ll be able to set up users with ACH/wire approval permissions the same way you did before. 
    • If you did not previously have dual control turned on at the company level and were only using this functionality at the user level:
      • Setting dual control on a user level for certain services is not available in new Commercial Online Banking, but you can have approval permissions across all users with dual control at the company level.
      • To have dual control at the company level for ACH/wires, reach out to Summit Credit Union at so we can turn it on for you on or after March 2.

Other Positive Pay Updates

  • Decision time will be extended to 10am – 2pm in new Commercial Online Banking for reviewing Check Positive Pay exceptions.
  • For your security, the following Positive Pay alerts will be turned on automatically as of March 2:
    • Exception Items Ready for Review (Check)
    • Exception Items Ready for Review (ACH)
    • Check Exception Pending Decision up to 30 Minutes Prior to Cutoff
    • ACH Exception Pending Decision up to 30 Minutes Prior to Cutoff
On March 2 Your new Summit Commercial Online Banking is ready for you! We'll send you an enrollment email with information you'll need to do your first-time login. As of March 2 Start using:• Your new Summit Visa business debit card and PIN (if you had a previous Summit debit card)
• Your new Summit Commercial Online Banking
• Your new mobile app, “SCU Commercial” (to replace your previous mobile app called “SCU Business”)

How to Log In to New Commercial Online Banking On or After March 2, 2026

1. From a link in the enrollment email we send you on March 2 (from TMops@summitcreditunion.com), you'll be prompted to enter your current Company ID and Login ID. (These are the same as you used to log in to your previous SCU Business online banking.) Then, Submit.2. Next, choose “Create my new Summit Credit Union ID.” Enter the requested profile information, then your new username and password. Note: To see username and password requirements, click the Show Rules link by each.3. Choose a two-step authentication method for your security, including phone, text or authenticator app. This information will verify your identity when you log in on an unrecognized device or approve transactions.
  • Note: If you previously used a physical token to enter a one-time passcode for authentication, you’ll no longer use that as of March 2 with your new Commercial Online Banking (the token will be deactivated and you can dispose of it). Instead, choose an authentication option noted above.
4. Read and agree to the Terms & Conditions, then you’re in! You’re ready to start using your new Commercial Online Banking.For a visual step-by-step to this first login,

Don't Forget Your New Mobile App!

Once you’ve completed your first-time login steps to Commercial Online Banking, be sure to replace your old “SCU Business” mobile app.
Install your new mobile app. The new SCU Commercial mobile app is available in the Apple App Store and Google Play (search "SCU Commercial"). If you had the previous SCU Business mobile app, you can also open that and it will automatically prompt you to download the new, updated SCU Commercial version.When prompted, enter your new Summit Credit Union ID, then Continue to enter your password.Verify your identity (using the 2-step authentication you already chose during first-time login).For your added convenience, opt to turn on Face ID or fingerprint access:
  • Go to My Profile from your main menu or the icon at the top of the dashboard.
  • Select the Security and Password Settings button and sign in using your Summit Credit Union ID and password and your authentication method.
  • Under Passkey sign in, turn on Register this device.
  • On the next sign-in, select Sign in with a passkey (bottom of your login screen) to sign in with biometrics going forward.

Important To-Dos Once You're Logged In (On or After March 2)

1. Group your accounts based on your needs. When you first log in, you’ll see two starter account groups that you can easily customize. Rename them for your needs, such as Operations or Payroll, and add the accounts you want in each group. You can always delete or add groups, too. on grouping your accounts.2. Customize your dashboard. Choose the features and accounts you want to see most on the main screen when you log in — from your go-to accounts or reports to quick transfer abilities.
  • Select Configure Dashboard in the top-right corner of the dashboard.
  • Add, remove, edit, resize and click-and-drag available features to create the setup you want.
on customizing your dashboard.
3. Make sure you go into your new bill pay, if your company previously had access to it. You (or the administrator of your Commercial Online Banking, if anyone other than you), will need to go into bill pay first before any sub-users who had access to it before can get in. From that point on, they’ll regain access to bill pay with no need for you to re-enter them.4. Reset any alerts or controls you had created for your accounts. While these will not carry over to your new online or mobile banking, resetting them is quick and easy — get started by clicking your profile in the upper right of your screen.5. Reset non-administrator users for internal transfers and online statements. Your current administrators will automatically have full access in your new Commercial Online Banking. All other users will have view-only access to the accounts they see now — any permissions beyond that for internal transfers and online statements will need to be reset.6. If you use Intuit products like QuickBooks or Quicken, reconnect your new Commercial Online Banking accounts to those applications. The Intuit connection name is changing from “Summit Credit Union – Business” to “Summit Credit Union – Commercial.”
  • It’s important to note that Intuit services will be temporarily unavailable for up to 5 business days after we launch your new Commercial Online Banking on March 2. During that time, we recommend you manually download a QFX/QBO file until you can re-connect to Quicken or QuickBooks.

Additional Important Steps for Summit Treasury Management Users

(Once You’re Logged In On or After March 2)

Reset your applicable alerts. This includes resetting any ACH or wire confirmations you had in place before in your Summit Treasury Management.Reset non-administrator users for ACH, wires and Positive Pay. Your current administrators will automatically have full access in your new Commercial Online Banking. All other users will have view-only access to the accounts they see now — any permissions beyond that for ACH, wires and Positive Pay will need to be reset.Reset any recurring ACH and wire transactions. You’ll only need to reset any transactions you had in place for payments that initiate on a recurring basis or are otherwise set for a date in the future.
Make note of the new cutoff time for desktop Remote Deposit Capture (RDC). As of March 2, digital check deposits submitted through desktop RDC must be sent and accepted by 6 pm CST to be processed the same business day. There are no other changes to RDC functionality and you can keep using your existing application. Rebuild your check upload file definitions for Positive Pay. These file definitions will not carry over to your new Commercial Online Banking and will need to be reset to ensure accurate interpretation of your check register data. Note that you’ll need to reformat to a CSV file if you’re not doing so already.Watch for more great capabilities for international wires. Updated information on this is coming soon! Along with international wires, you’ll still be able to submit domestic wires as part of your Treasury Management services in your new Commercial Online Banking.Until further notice, if you need to send an international wire, please email us at on ACH, Positive Pay and more.

Have Questions?

We have answers! If other questions come up along the way, we’ll cover those, too – so tune in here for any updates.Most recently updated March 4, 2026

Demos and Other Resources

From your first-time login to managing users to creating ACH payments and more, make it easy with our demo videos and guides! 

We're Here to Help.

You can continue to reach us the same way you always have:
  • Call us at 800-236-5560, Option 4
  • Send us a secure message through digital banking
For specific questions about your Treasury Management services, you can also reach our Treasury Management team through secure messaging in your digital banking or by emailing TMServices@SummitCreditUnion.com.