Checking
One size does not fit all when it comes to checking accounts. That’s why at Summit Bank & Trust we offer a variety of checking account options designed to complement a broad spectrum of lifestyles. Our Personal Bankers can assist you in choosing the perfect account to fit your needs.
Cash Rewards Checking
Cash Rewards Checking isn’t like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 5.01% APY* and Free ATMs nationwide, along with some great benefits.
- Free Checking
- Free Debit Card**
- Free Online Banking
- Free Bill Pay
- No Minimum Balance Requirement
- No Monthly Fees
- ATM Fees are automatically refunded
Always earn interest, regardless of your balance!
- 5.01% APY* on balances of $.01 to $20,000
- 1.51% APY* on balances over $20,000
- 0.25% APY* on balances even when you don't meet the 3 easy steps!
Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***
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A.
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Use your FREE Debit Card**
Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 15 or more signature-based purchases posted within the monthly qualification cycle. |
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B.
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Sign up for direct deposit
Have one or more direct deposits each month. |
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C.
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Go electronic and eliminate paper statements with FREE eStatements
Each month we’ll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification. |
We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.
Ready to start earning? Stop in today and open your Cash Rewards Checking account!
More Information- Signature vs. Pin transactions – the difference is important to understand
- Frequently Asked Questions
- VISA® Debit Card – it’s the easy way to pay more…
- eStatement Enrollment
*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 5.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.51% APY is paid. If requirements are met during the statement cycle, ***ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 15 debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, valid e-mail address and one direct deposit per statement cycle. APY accurate as of 12/01/08. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. At the present time, Summit Bank & Trust is accepting accounts only from its local service areas.
Checking Plus
Checking That's All About You
The benefits you receive through the Checking Plus package save you time and money, and provide you with additional peace of mind.
- FREE checks
- FREE cashier's and traveler's check
- 50% discount on standard safe deposit box
- Check Images returned with statement
- $150 savings on mortgage closing costs
- Unlimited check writing privileges
- Free Debit Card*
- Free Online Banking
- Free Bill Pay
- Click here for more information
- Click here to view ALL POINT's Surcharge-Free ATM Network
Platinum Checking Package
Do you typically keep a higher account balance? Our Platinum Checking Package is designed for the customer who wants basic, no-nonsense checking — with interest
- No monthly fee on balances of $25,000 or more — combined deposit and consumer loan relationship*
- Free Cashier’s and traveler’s check
- 50% discount on standard safe deposit box
- Special rates on CDs
- Interest paid monthly
- Unlimited check writing privileges
- Check Images returned with statement
- Free Debit Card*
- Free Online Banking
- Free Bill Pay
◊ Accounts that fall below the minimum balance requirements are assessed a monthly service charge of $15.00.
Regular Checking
Our Regular Checking account gives you unlimited check writing privileges and no monthly service charge when you maintain our low minimum balance requirement.
- Unlimited Transactions
- Minimum Initial Deposit $100.00
- Minimum Balance $500.00 ◊
- Check Images returned with statement
- Free Debit Card*
- Free Online Banking
- Free Bill Pay
◊ Monthly Service Fee of $3.00 if balance falls below $500.00
FREE CHECKING PACKAGE
Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge,
- No monthly fee
- Free Online Banking
- Free Bill Pay
- Free Debit Card*
In addition, you may open a complimentary savings account with no minimum balance requirement and track your activity on both accounts on a combined monthly statement.
e-Statement
If you prefer, you can get your easy-to-read monthly statement online. Each month, we’ll send you an e-mail reminder when your new statement is available. Your username & Password will give you secure access to your statement via a secure website where you can access up to three months of statement history. It’s fast, simple and secure! Best of all, e-Statement is free when you choose it over receiving a regular paper statement.
*Lost/Replacement ATM Card Fees Apply
$35.00 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means.
Overdraft Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.
For example, we typically don't pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Overdraft Privilege** up to $500 is also available on this account.
