Commercial Management

Summit Community Bank knows that like a well-oiled machine,  there are many essential moving parts that keep a business running smoothly and efficiently. And we're here to help. Our Commercial Management tools are the perfect fine-tuned solution to manage the day - to - day fundamental financial operations that make up your business' backbone. From merchant services to cash management, and security, Summit Community Bank's Commercial Management keeps you coordinated and running at top-speed, wherever your business takes you. 

  • Merchant Services

    Our Merchant Solutions provider of choice is FIS. FIS offers a wide range of full-service card and check guarantee solutions designed to strengthen your customer relations and improve your profitability. To learn more, please see the information below.

    Flexible Pricing

    Flexible, unbundled pricing allows you to qualify for the lowest interchange rates charged by the Visa ®, MasterCard ® or Discover ® Network. And, there are no hidden costs – what we tell you before you sign the contract is what you’ll see in the contract and in your statement.

    Reliable Technology

    Fast, reliable and uninterrupted transaction processing is crucial to the success of your business. We deliver state-of-the-art technology and equipment – including purchasing and leasing options – so you can automatically accept Visa®, MasterCard® and Discover®. Our terminals can also authorize other major cards, including American Express ®, Diners Club International ®, Carte Blanche ®, JCB ® and most debit networks.

    Dedicated Customer Service and Support

    Your local FIS Merchant Solutions representative works directly with you and your financial institutions to ensure the smooth and efficient operation of your account. We offer a free comparison of your existing merchant fees, fast application turnaround, free programming of your existing terminal and the deposit of funds into your current DDA account. We also offer in-depth, point-of-sale (POS) training so you know how to conduct transactions most efficiently. And, when you have a question s or need information, our trained professionals will provide their experience and expertise, 24 hours a day, 7 days a week.

    Rapid Availability of Funds

    Funds from your credit and debit card transactions are deposited electronically into your business checking account within two business days following the settlement of your terminal.

    Mobile Credit Card Processing

    FIS Retail Payments provides a comprehensive payment solution that provides you the power to make your business simple in the age of electronic payments. From credit cards to gift cards to check services, FIS provides everything merchants need to process non-cash payments. Turn your iPhone®, iPad®, or Android ® device into a secure mobile card processor.

    QwickPAY® is a complete mobile payment solution made especially for businesses that need a simple and secure solution to take signature debit and credit card transactions while on the go. Simply attach the easy to install secure card reader authenticator, download the app and you can start accepting cards, including Visa ®, MasterCard ®, AMEX®, and Discover® anytime, anywhere. QwickPAY helps you grow your business, offer superior customer service and quickly access your funds. After all, it is your money, and you work hard for it. QwickPAY also uses the most reliable and safest card swipe reader. Click here to connect to the QwickPAY website.

    Check Guarantee

    Check guarantee is a service that a business can use to protect themselves from bad, bounced and returned checks. When a business signs up for a check guarantee service they significantly reduce the risk that is involved in accepting checks at their place of business. The check guarantee company will pay them the full amount of a check if it’s bad, bounced, or returned.

    Gift Card Branding

    Whether you are just starting out or need a fully customized program, our gift card and loyalty card packages are designed just for you. Options include cards personalized with your business name, advertising materials to promote your cards and account setup, training and user guides to ensure your program is launched and running efficiently.

  • Remote Capture

    With Remote Capture, you can exchange conventional, manual check deposit processes for an automated deposit solution created to suit your specific needs. Regardless of your size or location, Remote Capture allows you to scan any type of check at your business location and electronically deposit it into any one of your Summit Community Bank checking accounts.

    Remote Deposit Capture allows checks to be scanned and deposited right at the office extending same day processing until 6pm. Remote Deposit Capture allows the check to be converted into a Check 21 image, processed electronically, and expedites presentation to the receiver institution. Remote Deposit Capture does allow checks to be deposited into multiple checking accounts.

    Remote Deposit Capture eliminates deposit ticket costs, copying costs, mailing costs, lost check Stop Payment costs and limits fraud and delays in processing that result when using conventional mailing/processing avenues.

    Summit Community Bank utilizes the scanning capabilities of a Panini scanner that will scan 30 checks (front and back) within one minute.

    Contact Dawn Thornburg today at dthornburg@summitfgi.com or at 1.540.246.1377 to learn more.

  • Cash Management

    Summit Community Bank recognizes the importance of your time and money. Cash Management is the cost effective fit for your business with easy online access to your accounts any time of the day or night. You will have the freedom to be your own boss and manage your accounts the way you want to manage them: simple, easy and at your leisure.

    Selecting the products and services that reflect your business style are everchanging and Summit has you covered. As your business changes and grows, online Cash Management will provide you with the tools to manage the changes quickly and efficiently.

    The world of mobile business has diversified the online Cash Management experience—and Summit has the office-free answer! Our apps for the iPhone and Android are robust and easy to navigate giving you the experience of being at the bank! We offer text banking, smartphone apps, secure token and dual approval opportunities that multiply the security and peace of mind needed to safely and securely run your business on the road or if you are at multiple locations.

    Summit Community Bank offers free security layers that are designed to thwart hackers, trojans, and most other online predators. Our website integrates Trusteer Rapport to protect the web pages you browse. The online banking utilizes risk and fraud programming that tracks your usage, establishes habits, and will hold any transaction that could be suspicious.  Any users for the online banking can be tailored to limit the access each one has to any and all accounts, products and services. Summit Community Bank keeps your contacts for customer service local and accessible through personal phone access, email, phone, text, secure online messaging, and as always person to person in any branch.

    Direct Deposit Payroll

    Direct Deposit Payroll allows ACH Batch Payments (credits) to numerous payroll recipients with accounts at multiple financial institutions at the same time. Payroll can be processed via an ACH or NACHA formatted file that can be uploaded directly into our system. Direct Deposit Payroll can also be processed by creating a batch of entered recipients, selecting that batch, and keying in the individual payroll dollar amounts or a set payroll amount can default. Direct Deposit Payroll allows the payroll to be sent and processed in one business banking day.

    Payments

    Payments allow ACH Payments (credits) to numerous recipients with accounts at multiple financial Institutions at the same time. Payments can be processed via an ACH or NACHA formatted file that can be uploaded directly into our system. Payments can also be processed by creating a batch of entered recipients, selecting that batch and keying in the individual payment amount, or a set payment amount can default. Payments allow the payment to be sent and processed in one business banking day

    Single Payment

    ACH Single Payment allows you to easily send money (credit) to a single recipient. ACH Single Payment can be initiated from the Single Payment option, entered free-form or selected from a recipient that has been entered into the recipient list and placed into a single payment batch.  ACH Single Payment allows the payment to be sent to be processed in one business banking day-quickly and easily.

    Collections

    Collections allows you to retrieve (debit) from numerous recipients with accounts at multiple financial Institutions at the same time. Collections can be initiated from the Collections option, selected from a recipient that has been entered into the recipient list or processed from an ACH or NACHA formatted file that can be uploaded directly into our system. Collections allow the debit to be processed to be received in one business banking day-quickly and easily.

    Single Receipt

    ACH Single Receipt allows you to retrieve (debit) from a single recipient. ACH Single Recipient can be initiated from the Single Receipt option, entered free-form or selected from a recipient that has been entered into the recipient list and placed into a Single Receipt Batch. ACH Single Receipt allows the debit to be sent to be processed in one business banking day-quickly and easily.

    Domestic and International Wire Transfer

    Wires allow an online template for creating individual wire transfers. The Wire option will pay funds electronically to a recipient(s) in an expedited fashion. Wires can be initiated from the Wires option and sent to a selected recipient that has been entered into the recipient list. Wires are charged on a per use basis and charges will vary depending on if the wire is domestic or international. Wires initiated after 4pm EST will be processed the next business day.

    Tax Payment

    Tax Payment allows quick and easy payment to the tax authority of your choice. You must enroll with EFTPS in order to utilize the Tax Payment option for any federal or state tax payments.  The Tax Payments area lists the Tax Form number and description for federal and most states. Tax Payment sends the payment to be processed to be received in one business banking day.