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Checking Accounts

Lots of checking options? Yes – because everyone deserves an account that fits their own money management needs. Lots of places to go to manage your account? Nope, just one! Pay bills, pay friends, move money, set savings goals, check your progress and more – all in one easy, time-saving online and mobile app.

Free Checking

Best for anyone who wants to manage their money quickly and easily – anywhere, anytime – without any monthly fees. 

Key Features & Benefits

  • No monthly service fee
  • Unlimited check writing
  • Contactless payment with tap to pay

Also Includes

  • Digital banking with mobile wallet
  • Free ATM use
  • Free bill payer
  • Free mobile check deposit
  • Eligibility for a year end Cash Boomerang3 payout

Minimum to Open

$25

Monthly Service Fee

FREE

Balance Account

Best for someone looking to maximize their money by avoiding check writing and overdrafts altogether.

New to managing your money? We get it. Start off right with an account from our GO Bundle.

Key Features & Benefits

  • Free debit card
  • No overdraft fees
  • Contactless payment with tap to pay

Also Includes

  • Digital banking with mobile wallet
  • Free ATM use
  • Free bill payer
  • Free mobile check deposit
  • Eligibility for a year end Cash Boomerang3 payout

Minimum to Open

$25

Monthly Service Fee

$5, waived for account holders age 17 and under OR with 10 or more debit card purchases in a month and either a Summit student loan or Summit Student Rewards Visa credit card
Cities for Financial Empowerment

Certified by the Cities for Financial Empowerment (CFE) Fund as meeting the Bank On National Account Standards. The certification recognizes accounts that ensure low cost and high functionality while promoting consumer safety.

Ultimate Checking

Best for someone who likes extra financial perks and who wants to earn dividends on their higher checking account balance. 

Key Features & Benefits

  • 0.10%4 preferred certificate rates
  • Free box of checks each year5
  • $200 cash back rebate on first mortgages6
  • $50 cash back rebate on home equity7
  • Free Visa gift cards
  • $10 discount on safe deposit box8
  • Contactless payment with tap to pay

Also Includes

  • Digital banking with mobile wallet
  • Unlimited free ATM withdrawals
  • Free bill payer
  • Free mobile check deposit
  • Unlimited check writing
  • Free overdraft transfers from savings
  • Eligibility for a year end Cash Boomerang3 payout

Minimum to Open

$25

Monthly Service Fee

$15 waived with 6 qualifying services or $60,000 in combined deposit & loan services1

Student Free Checking

Best for students who like to save a few bucks wherever they can. 

New to managing your money? We get it. Start off right with an account from our GO Bundle.

Key Features & Benefits

  • Free debit card
  • Unlimited free ATM withdrawals
  • Contactless payment with tap to pay

Also Includes

  • Digital banking with mobile wallet
  • Free bill payer
  • Free mobile check deposit
  • Unlimited check writing
  • Overdraft protection
  • Eligibility for a year end Cash Boomerang3 payout

Minimum to Open

$25

Monthly Service Fee

FREE

Dividend Checking

Best for someone eager to earn dividends as they enjoy the benefits of a Summit checking account. 

Key Features & Benefits

  • Free debit card
  • Contactless payment with tap to pay
  • Earns dividends

Also Includes

  • Digital banking with mobile wallet
  • Free ATM use
  • Free bill payer
  • Free mobile check deposit
  • Unlimited check writing
  • Overdraft protection
  • Eligibility for a year end Cash Boomerang3 payout

Minimum to Open

$25

Monthly Service Fee

$6, waived with $750 average daily balance

Choose the Checking Account That’s Right for You

Free Checking
Ultimate Checking
Student Free Checking
Dividend Checking
  • Unlimited Check Writing
  • Free ATM Use
  • Free Bill Payer, Online & Mobile Banking
  • Free Mobile Check Deposit
  • Eligible for Cash Boomerang
  • Minimum to Open
    $25
    $25
    $25
    $25
  • Monthly Service Fee

    FREE

    $15 waived with 6 qualifying services or $60,000 in combined deposit & loan services1

    FREE

    $6, waived with $750 average daily balance
  • Debit Card Annual Fee
    $5
    FREE
    FREE
    FREE
  • Earns Dividends
  • Free non-Summit ATM Withdrawals2
    12/month
    UNLIMITED
    UNLIMITED
    12/month
  • Offers Overdraft Protection
  • Free Overdraft Transfers From Savings
  • Earns Dividends
  • Minimum Balance To Earn Dividends
    $2,500
    $25

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