Personal Checking

1st Summit Bank has a personal checking account lineup that is customizable based on the solutions you need.

Peak Checking, Plus Checking, and Prime Checking grants you access to hundreds of special, money-saving benefits that are accessed by our 1st PERKS app, powered by BaZing. Our xPress Checking is the no-frills solution that streamlines your banking needs.

All checking accounts utilize our secure online banking and mobile capabilities to keep you banking 24/7 anywhere.

Review The Account Comparison Chart or contact us to help you decide which checking option will suite your lifestyle.

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Peak Checking

Earn interest and get rewarded for your relationship with Peak Checking. This personal checking account has added benefits and features that you access through the 1st Summit 1st PERKS app, powered by BaZing. Save money on items and services you are already paying for.

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.

$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.


Plus Checking

The account you need if you are focused on the money-saving benefits of 1st PERKS. This account includes all the 1st PERKS benefits of the Peak Checking and the 1st Summit anywhere banking tools. Download the app, set alerts, and get notifications on the national and local discounts at merchants you love.

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.


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. Being a PRIME Checking customer, you also have exclusive access to PRIME Connections Events. Check out the details on the PRIME Connections community.

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.
      • 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.

PRIME Connections Benefits:

      • 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 newsletter.

$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 no matter where you are. Tools include eStatements, Zelle person-to-person payments, mobile deposit, bill pay, and so much more!

This personal checking account also includes a special option for students.

$0.00 if maintaining an average monthly balance of $100. Monthly subscription fee of $5.95. Monthly subscription fee waived for students until 6 months after graduation. Requires eStatements.
*does not include access to the 1st PERKS benefits.

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Personal Deposit Rates 

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Lost/Stolen ATM Card

To activate, select, or change the PIN for your Check/ATM card call 1-866-985-2273.

To report a lost or stolen Check Card or ATM Card call 1-800-523-4175.

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