summit-bracket2 bracket2 atm-outline location-pin-outline location-pin-filled atm-filled calendar2 bracket google-play[2] app-store summit-location-pin-lg code lock user worksheets phone print programs open pdf checkmark-form close-x close download checkmark-chart checklists blog-tools social-facebook social-google-plus social-pinterest LInkedIn-2C-128px-R instagram-rainbow social-twitter social-youtube ehl calendar calculators bracket22 checkmark email text-area-corner external-link success error information warning calendar-add-event auto-rates mortgage-rates home-equity new-certificates ncua summit-logo-itmoi arrow-left arrow-right checkmark2 summit-logo-white summit-bracket silhouette arrow-down arrow-up auto-rates2 blog calculators2 call ehl2 home-equity2 itmoi locate mortgage-rates2 new-certificates2 programs2 search summit-location-pin-sm tools clock

Manage Your Money Your Way

Want to keep it simple? Eager for extra perks? No matter which Summit checking account you
choose, you’ll get all these features to help you manage your money at any given moment.

     

Find The Right Account For You

Account Results:

Clear Filters

Free Checking

  • No monthly service fee
  • Unlimited check writing

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

Best For

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

Minimum to Open

$25

Monthly Service Fee

FREE

Balance Account

  • Free debit card
  • No overdrafts, ever
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.

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

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.

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

Ultimate Checking

  • 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

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 Boomerang3payout

Best For

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

Minimum to Open

$25

Monthly Service Fee

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

Student Free Checking

  • Free debit card
  • Unlimited free ATM withdrawals

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

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.

Minimum to Open

$25

Monthly Service Fee

FREE

Dividend Checking

  • Free debit card
  • 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 Boomerangpayout

Best For

Someone eager to earn dividends as they enjoy the benefits of a Summit checking account. 

Minimum to Open

$25

Monthly Service Fee

$6, waived with $750 average daily balance

Open an Account
Add up to three more checking options to compare.
Must add at least 2 products to compare.
 
Tools & Resources
Calculators
Worksheets
Checklists
FAQs

BALANCE YOUR CHECKING ACCOUNT

Balance your checkbook quickly and easily.
 

HOW MUCH AM I SPENDING?

How many times have you asked yourself "where does our money go?"
 

SPARE CHANGE

How much do you have? Count it up and take a look!
 

SAVE OR PAY OFF DEBT

You might want to consider whether you are better off using the money you have in savings to pay down debt.
 

INCREASE YOUR MONTHLY PAYMENT

If you're trying to pay down some debt, you might be wondering what the impact would be if you simply increased your monthly payment each month.
 

Related Content
Woman writes on whiteboard calendar mounted to wall.
1 Week Challenge: How to Save More Money & Own Your Life
Money Smarts, Budgeting Tips, Goals
Wondering how to improve your finances? Take our one-week money saving challenge and be on your way to a brighter financial future. #MoneySmartsChallenge
Read More 
Woman paying for a purchase with her cell phone using a mobile wallet.
4 Mobile Security Safety Tips Everyone Should Know
Security, Online Banking, Digital Wallet
It’s easier than ever to access your money from your mobile phone. Make sure you’re keeping your money safe with these mobile banking security tips from Summit.  
Read More 
Collage of images featuring three pictures of dogs and one picture of a kitten.
How to Manage Pet Care Costs & Expenses
Budgeting Tips, Money Smarts, Family
Caring for your furry friends can add up! Learn how to manage the costs of owning a pet & unwanted expenses without compromising on quality for your animal.
Read More 
family and christmas tree
6 Easy Tips for Smart Holiday Spending
Holidays, Spending, Budgeting Tips
Keep the ho-ho-ho in your holidays with six savvy spending tips.
Read More