Service Beyond Expectations is having the features you need for a great banking experience, for free, without having to ask. Our convenient services help you stay organized, and can easily be accessed by desktop or our mobile app. Enjoy free online Bill Pay, online banking, debit card monitoring, and more just by having an account with us. Access all these great features by enrolling in Summit Community Bank's Online Banking today!
- Bill Pay
Bill Pay is an optional FREE service that Summit provides to our online banking customers that gives them a fast, easy, efficient way to pay bills, stay organized, eliminate postage, and avoid service fees for phone payments. Customers can use the bill pay system to pay anyone from the kid next door who mows their lawn to that major utility company. Some highlights of the bill pay system are:
- Track your payment history
- Ability to set up reminders
- Ability to make one time payments or to set up recurring payments
Enroll in online banking to access Bill Pay!
- Debit Card Monitoring
Trying to track your spending? Lost the amount of your purchase at the grocery store or gas station? We make it easy with Summit Community Bank’s Debit Card Monitoring. We can immediately text or email you each time a purchase is made with your account. It’s a great way to stay updated with your current balances and we let you know when suspicious card activity is detected. Best of all, it’s free. You can also customize the information you want to receive including letting you know if funds are added or removed from your account or if suspicious activity is detected. You can even text “bal” to 58084 to receive your updated account balance. Types of alerts available include:
- Funds added
- Funds removed
- Signature transactions
- Card status change
- Suspected fraud
- Declined transaction
- High-risk transactions
This FREE service is open to Summit Community Bank debit card customers.
- Online Banking Alerts
Sign up for a FREE way to keep up to date with your account through our Online Banking Alerts. Have a free text message or email sent directly to you when funds fall below a certain threshold or track important dates through this free service offered through online banking.
Enroll in online banking to access Online Banking Alerts!
E-Statements are electronic copies of your account statements that you can view within Online Banking or Cash Management. You have the ability to view, print, or save and store your E-Statements on your personal computer. E-Statements are made available to you online instantly when the statement becomes available, which saves the added time associated with normal postal mail delivery. Summit Community Bank stores your last 7 years of statements in Online Banking. E-Statements are only accessible to you via a secure login to Summit Community Bank’s Online Banking or Cash Management. It eliminates the risk of having sensitive financial information delivered to unsecured postal mailboxes. E-Statements reduce paper use and save natural resources.
What is E-Statement?
E-Statement is a service that we provide to our customers so that they may have immediate access to their account statements on Internet banking the same day that they would normally have printed and been mailed.
Will paper statements still be received?
No. E-Statements replace the paper statements and have all of the same characteristics including check images.
What are the advantages of E-Statement?
The E-Statement is electronically on the internet banking system, so if the customer is out of town or away from their mailbox, their statement will not be vulnerable to theft. In addition, others cannot access the E-Statement because it is under password protection on the Internet Banking system. There is immediate access to the statement by the customer and the customer can review past statements easily.
Will the customer have to remember another password?
No. To access the E-Statement, the customer will simply sign on to Internet Banking, choose Transactions -> E-Statements. Since the Internet Banking site is a secure site, no one else will have access to view, save or print the statement.
What if the customer's email service does not accept attachments to email?
The E-Statement is not attached to the email. There is information that lets the customer know that their E-Statement has been published for them to view on Internet Banking with a hyperlink to Internet Banking.
Does the customer have to have the email to access the E-Statement?
No. This is just a notification that the statement is available. The customer can look up statements on Internet Banking at any time.
Can the customer have E-Statements without Internet Banking?
No. You must have Internet Banking in order to receive E-Statements. Enroll now!
Can business customers receive E-Statements?
Yes. We also have options for others to view the statements, for example, an accountant or co-owner. If a business is not set up on cash management but would like others to view E-Statements, please contact the Commercial Relationship Representative, who will meet with the customer and review the available options.
How do I sign up for E-Statements?
Please feel free to contact any Customer Service Representative to sign up for E-Statements.
- Overdraft Options
What you need to know about overdrafts and overdraft fees:
An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays the item. We can cover your overdrafts in two different ways:
We have standard overdraft practices that come with your account, which include paying overdrafts at the bank's discretion for checks, automatic bills, ACH's, ATM withdrawals and Debit Card transactions.
We also offer overdraft protection plans, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our overdraft practices. We will no longer automatically authorize and pay overdrafts resulting from everyday ATM or Debit Card transactions.
What are the standard overdraft practices that come with my account? We will authorize and pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number.
- Automatic bill payments.
We will not authorize and pay overdrafts for the following types of transactions unless you complete and submit this consent form (see below):
- ATM transactions.
- Everyday Debit Card transactions (excludes all checks and automatic bill payments)
We pay overdrafts at our discretion, which means we do not guarantee that we will authorize or pay any type of transaction.
If we do not authorize or pay an overdraft on your debit card transaction, your transaction will be immediately declined at the point of sale or ATM.
What fees will be charged if Summit Community Bank pays my overdraft?
We will charge you a fee of $32.00 each time we pay an overdraft.
There is a maximum limit of 6 overdraft transaction fees $192.00 per day, that we can charge you for overdrawing your account.
If an item causes your account to be overdrawn no more than $5.00, we will waive the overdraft fee for that transaction.
What if I want Summit Community Bank to authorize and pay overdrafts on my ATM and one time Debit Card transactions?
If you want us to authorize and pay overdrafts on your everyday ATM and debit card transactions please click "I Agree" below to continue.
Overdraft Protection - "Opt In" Electronic Consent Agreement
There have been recent regulation changes which require Summit Community Bank to discontinue our overdraft protection at these convenient points-of-service. In order to continue usage of the overdraft program at an ATM, or with a debit card, our accountholders are required to 'opt-in' for that benefit.
By clicking the 'I Agree' button below, you agree to the terms of this one time Electronic Consent Agreement (the 'Agreement'). In the Agreement, "you" or "your" refers to the person using Summit Community Bank's Web Site, "we", "us" or "our" refers to Summit Community Bank (the "Bank"). In order to access the Bank's Website, you must have an Internet Service Provider (ISP) and a Web browser that supports the level of encryption employed by the Bank, currently 128-bit, and frames. You understand the Bank will provide you an ATM/Debit Card Overdraft Consent Form in an electronic format. If you would like a paper copy of your ATM/Debit Card Overdraft Consent Form, please contact firstname.lastname@example.org or call 1-877-776-9722.
When clicking on the 'I Agree' button below, "I have read and agree to this electronic disclosure agreement" you indicate your consent to the terms, conditions and responsibilities contained herein. For more information, please e-mail us at email@example.com or call 1-877-776-9722.
- Loan Payment Site
Need to make a Summit loan payment today from a Non-Summit account? Now you can!
Use our secure online Loan Payment site to pay your Summit Community Bank loans via ACH or by debit card.*
- Pay from a checking or savings account from other financial institutions.
- Pay with a debit card from other financial institutions.
- Payments post the same business day if made before 5:00 PM EST.
Fast, easy and secure way to make your loan payment online. Click the link below to make a payment today!
*A fee of $5.00 will be assessed for using the site. Payments made after 5:00 PM EST will not be processed until the following business day. Please be aware this site is not intended for paying your loan balance in full or for making payments larger than $5,000.00. Summit Credit Card Payments cannot be made using this site. Please contact our customer service for assistance at 877-776-9722 or e-mail us at firstname.lastname@example.org.
Fee-free options available when making a payment with a Summit Deposit Account:
- Online Banking - make payments by transferring funds from your savings or checking account to your loan accounts through Online Banking.
- Day and Night Information system (DANI) make payments by transferring funds from your savings or checking account to your loan accounts through our 24/7 automated telephone banking.
- Visit a Summit Community Bank location to make a loan payment in person.
- Send your payment by mail.
- MySummit Piggy Bank
The MySummit Piggy Bank program is designed to round up debit card transactions processed on a primary checking account to the nearest dollar, and transfer those funds to a designated checking or savings account of your choice. Each day, a debit will be processed against the primary checking account attached to the debit card that made the transactions for the previous day’s debit card transactions, and the total amount of the rounded transactions will be processed. A credit will be processed to the secondary checking or savings account you designate. The amount of the debits will not be processed on the account if the amount will cause an overdraft to the primary account. The account to which the funds are transferred must be active, and not in an inactive or dormant status.
- MySummit Financial Tools
Take a personalized hands-on approach to managing your personal finances with this great new service built right into Summit's app and online banking!
Our new features allow you to:
- Link your external accounts to the Online Banking dashboard
- Create a budget personalized to your spending
- Easily track, label, and analyze your expenses
- Assess net worth, view trends, and cash flow over time
and so much more!
With MySummit Financial Tools you can see a complete picture of your finances, all in one place.
Check out our video tutorial to learn how you can start planning for your financial goals, one step at a time.
*MySummit Financial Tools is available for personal accounts only.
- MySummit Mobile Deposit
Watch our video tutorial on how to use MySummit Mobile Deposit!
Signing up for MySummit Mobile Deposit
For first time users of MySummit Mobile Deposit - Log in to your internet banking and select the ‘Mobile Deposit Enrollment’ link under the ‘Transactions’ tab. Click on the agreement link that is underlined and see the agreement. If you agree, check this box to accept our terms and conditions. Then click on the “Accept” button. Next is the congratulations screen that shows after you have accepted the terms and conditions.
Once you have enrolled, follow the steps for submitting a deposit through
MySummit Mobile Deposit:
First access the mobile application from an iPhone, Android phone or tablet. Login to your app and click on the ‘More’ button located on the right side. From the menu options, Select ‘Deposit a Check’ When the screen comes up the first option is to select an account. All checking and savings accounts that you have access will show up in the list. Next you will be prompted to enter the dollar amount of the check. Then click on the ‘Capture Image’ button. Next put the check in the focus and in the brackets and click on Capture Front. Then it will prompt you to take a picture of the back of the check. Once the process is complete it will go back to the screen with the deposit information and have the images of the check, both front and back. At this time you can retake either the front or the back image if you so desire. Once finished, click on ‘Submit Deposit’. If the system can read the front of the check’s MICR line and it can detect the endorsement on the back of the check, then the system will provide a message like the one below. Congratulations, you have successfully submitted the check for processing.
You will receive two separate e-mails:
- Deposit Received Notification
- The status of your deposit
- Deposit Approved Notification, Deposit Approved with Hold Notification, and or Deposit Declined Notification
You may check the status of your deposit at any time by viewing your “Deposit Check History” conveniently located by accessing the “more” button at the upper right corner.
*Certain restrictions may apply but limited to deposit limits and/or deposit holds.
- Instant Issue
Is your card getting ready to expire? Was your card lost, damaged, or stolen?
CardSwap can help get all your accounts updated with your new card quickly and conveniently right inside the app or online banking.
Swap the card on file for 55+ popular online services and retailers. CardSwap makes sure that you have the right card on every account!
Available now in the app and online banking.