Personal Checking

Checking accounts that connect you to more than just your money with the benefits of 1st PERKS.

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From simple every day banking to helping you fulfill your dreams.

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Managing your money should be simple. At 1st Summit Bank, our personal checking accounts are designed to give you everyday convenience, powerful and secure online and mobile banking capabilities, and meaningful perks that go beyond your balance.

No matter where you are in life, we have a checking account that fits your lifestyle backed by a century of local service you can trust. 

Choose the Right Checking Account for You


Peak Checking, Plus Checking, Prime Checking, and xPress Checking Accounts

We offer multiple checking account options, each with unique features and benefits. Compare our accounts to find the one that matches how you bank whether it’s online, in the office, or on the go.

Plus Checking

Plus Checking

A flexible personal checking account with everyday convenience PLUS all the benefits through our 1st PERKS app. This account also includes a special option for students*!

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1st PERKS Benefits:

  • Shop local, save local with 1st PERKS. Enjoy discounts at local and national merchants and money when shopping, dining, traveling, and more.
  • Protect the special items you purchase with the buyer’s protection and extended warranty option.
  • The ID theft aid option includes identity restoration and payment card resolution. Monitor your credit and identity. Check your credit score and your credit report.
  • Never get stranded again with roadside assistance that is available 24/7.
  • Reimbursement if your cell phone is damaged or stolen.
  • Save money on prescriptions, eye exams, frames, lenses, and hearing services.
  • Let our team of experts analyze and negotiate the bills you are paying for internet, cable, cell phone, and home security services. They will also cancel subscriptions you are no longer using or want.
  • Rest easy with the peace of mind that comes with $10,000 travel accidental death coverage.

$6.95 monthly subscription. *Students enjoy all the PERKS with no monthly fee. Students with a valid student ID will be eligible to have the monthly fee waived until 6 months after their expected graduation date.

Peak Checking

Peak Checking

Earn interest while enjoying all the benefits of Plus Checking. This account is ideal for customers who maintain higher balances.

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$0.00 monthly subscription with an average monthly balance of $2,500. Monthly subscription of $9.95 or get eStatements and the subscription is $7.95.

Prime Checking

If you are 60-years or older, it’s time for the personal checking account that has it all – perks, savings, travel, and fun!

Our Prime Checking includes interest and the 1st PERKS benefits that matter most to you.

More Information on Prime Connections

PRIME Connections Benefits:

  • Shop local, save local with 1st PERKS. Enjoy discounts at local and national merchants and money when shopping, dining, traveling, and more.
  • Protect the special items you purchase with the buyer’s protection and extended warranty option.
  • The ID theft aid option includes identity restoration and payment card resolution.
  • Save money on prescriptions, eye exams, frames, lenses, and hearing services.
  • Rest easy with the peace of mind that comes with $10,000 travel accidental death coverage.
  • Travel with us on fun excursions around the country. Trips to the Finger Lakes, Niagara Falls, Rocky Gap Casino, Pirates games and more are on the docket.
  • Stay connected at our annual picnics and holiday galas.
  • Stay informed on financial tips, lifestyle and home improvements, the next trip, and more with the PRIME Connections monthly email.

$0.00 subscription if maintaining an average monthly balance of $500. Monthly subscription of $7.95 or get Direct Deposit and the subscription is $5.95.

xPress Checking

Our no frills digital banking account has secure access to our 1st Summit Anywhere Banking Tools to keep you banking on-the-go 24/7.

Tools include eStatements, Zelle®, mobile deposit, bill pay, and so much more!.

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More Than a Checking Account - 1ST PERKS BENEFITS

With eligible accounts, your personal checking account connects you to the 1st PERKS app, powered by BaZing®, giving you access hundreds of special, money-saving benefits.

Local and National Discounts

Buyer's Protection and Extended Warranties

Cell Phone Protection

Roadside Assistance

Health Savings

ID Theft Aid

$10,000 Travel Accidental Death Coverage

Bank Anytime with Online & Mobile Banking

All personal checking accounts include access to online and mobile banking, so you can manage your money anytime, anywhere.

24/7 access

Deposit checks from any device

Access any Sheetz ATM with no fees

Pay your bills electronically

Access 8 months of bank statements from any device

Set up debit card alerts

Banking at a Local Community Bank

With community offices across Western Pennsylvania, 1st Summit Bank combines modern banking technology with local decision‑making and personal service.

Switching is easy

Simplified banking

Why switch?

Secure Convenient banking.

Uniquely personal relationships.

Big bank features with a community bank experience.

A true community bank

Invested in your community

Meet Us:

We support the arts in your community.

We support family services in your community.

We support impactful events that make a difference.

We are in your neighborhood

Convenient Locations

Visit Us:

We believe banking is personal.

Stop in and see us.

Start banking.

Financial Products We Recommend

Build a personal banking suite with products designed to organize your spending and saving

Digital Banking

Access your money online or on mobile 24/7

Smart Savers Club

A special savings account for our customers 0-17 years old with tiered savings levels with prizes at each level.

Saving Accounts

Start making your life’s dreams come true with a savings account to fund them.

Financial Calculators

Calculate the possiblities

Crunch the numbers to see what you can save, spend, or borrow.

A Snap Shot of the Financial Possibilities

Use our interactive financial calculators to assist with your budgeting, saving, and loan planning.

All new accounts opened using ChexSystems. Forcibly closed accounts are reported to ChexSystems. Chex Systems, Inc. is a nationwide specialty consumer reporting agency and an indirect, wholly-owned subsidiary of FIS. ChexSystems® is a registered trademark of Chex Systems, Inc. 

Obtain a copy of your ChexSystems consumer report at www.chexsystems.com. Toll free phone number 800-428-9623.