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Personal Checking

Summit Elite Checking 

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This basic and simple account approach provides a checking account without the burden of a minimum balance requirement and associated monthly fee, yet provides earning potential through the competitive high yield savings account. This account partners with the Summit Elite Savings. 

Summit Custom Checking

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This account is a great worry-free account for the budget conscious customer as it allows you to customize your banking preferences with one of four different options to eliminate monthly service fees.   

Summit Custom Checking with Interest

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This account offers all of the modern conveniences of electronic banking to provide a hassle free approach to your banking needs while earning interest on your funds. This account offers all of the benefit of interest on balances of $1,000.00 and above without a monthly fee if two simple account requirements are met each month. 

T-Fund Checking

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For the financially established customer who needs a full range of banking services. T-Fund Checking account is an interest-earning checking account, determined by 90% of the 13 week T-bill rate.

Senior Select Checking

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If you are age 55 or older and want a full package of banking services, Senior Select is designed to meet your every banking need, for free or reduced rates. 

Money Market Checking 

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This account gives you the ability to save, while offering the ease and accessibility of a checking account.


 
Summit Elite Checking
Summit Custom Checking
Summit Custom Checking with Interest
T-Fund Checking
Senior Select
Money Market Checking
Minimum Balance Requirement/ Service Fee
None
$5.00 if collected balance falls below $500 (3)
$5.00 if collected balance falls below $1,000 (4)
$19.00 if current balance falls below $25,000
None
$6.25 if current balance falls below $1,000
Minimum to Open
$25 (1)
$50 
$50
$50
$50
$1,000
Minimum to Earn Interest
N/A
N/A
$1,000
$0.01
$0.01
$2,500
Monthly Fees
None
None
None
None
None
None
Restrictions 
Summit Elite Savings is required
None 
None
None
Must be 55 years old or older
Transaction limitation of six per statement cycle (5)
Interest
N/A
N/A
Compounded Monthly
Compounded Monthly
Compounded Monthly
Compounded Monthly 
How interest is calculated
N/A
N/A
Collected Daily Balance
Collected Daily Balance
Collected Daily Balance
Collected Daily Balance
One Penalty Free Withdrawal of 25% of balance during CD term
No
No
No
No
Yes
No
Free standard safe deposit box or a discounted larger size box (6)
No
No
No
No
Yes
No
Nationwide ATM Rebates (2) Yes No No No No No
Unlimited Check Writing
Yes
Yes
Yes
Yes
Yes
No
Unlimited Teller Transactions
Yes
Yes
Yes
Yes
Yes
No

 

(1) You must deposit $25.00 to open this account and $25 to open the required savings account as well. 
(2) Nationwide ATM rebates of service fees when using a Summit Debit card at any foreign networks. Checking withdrawals only. Maximum credit allowed for ATM rebates is $20.00 per statement cycle. This fee will be credited each month to your account.
(3) The fee will be waived if the account maintains at least a 500.00 collected balance for the monthly cycle, OR there are 5 completed debit card transactions during the monthly cycle, OR the account is on E-statements, OR the account has a direct deposit of at least 250.00 per month. Debit Card Transactions are counted as the day they are posted to the account and not the transaction date.
(4) You must maintain a $1,000.00 collected balance in the account each day of the monthly cycle in order to avoid the charges. You may also avoid the fee if you maintain both an e-statement and collected minimum balance requirement listed above. The fee will be charged if account is not on e-statements no matter the balance.You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
(5) You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. A $10.00 fee will be charged for each item over the limit.
(6) Subject to availability. 

Please contact us to obtain complete disclosures of all fees related to these accounts.