Security Center
Your money, guarded on both sides
Summit watches every account around the clock, and a handful of settings on your end close the gaps we cannot reach. Here is exactly what we do and what we ask of you.
What protects your account
Some of this runs whether you think about it or not. The rest takes a minute to switch on and is worth the minute.
Two-factor sign-in
A one-time code, an app prompt, or a security key on every new device. A stolen password alone will not open your account, which is the single largest gap most people have.
Card freeze
Lock a debit or credit card instantly from the app when it goes missing. Recurring payments you have approved keep running, and unfreezing is one tap when the card turns up in a coat pocket.
Alerts you control
Set a dollar threshold, flag card-not-present purchases, or get told about every foreign transaction. Alerts arrive by push or text in seconds, not on next month's statement.
Zero liability
You are not responsible for unauthorized debit or credit card transactions when you report them promptly. Provisional credit is typically posted within one business day of a claim.
Round-the-clock monitoring
Our fraud systems score every transaction against your own patterns. Unusual activity triggers a text asking you to confirm before the charge clears, not after.
Insured deposits
Member deposits are federally insured to at least $250,000 by the NCUA, backed by the full faith and credit of the United States government.
Recognizing phishing
Summit will never ask for these
Nearly every account takeover starts with a message that sounds urgent and asks for something we would never request. If a call, text, or email asks for any of the following, hang up and dial 800-555-0100 yourself.
If something looks wrong, do this
Speed matters more than certainty. Call us on a charge you are unsure about; we would rather clear a false alarm than start late on a real one.
Freeze the card
Open the Summit app, tap the card, and freeze it. This takes effect immediately and stops further authorizations while you sort out what happened.
Call the fraud line
Reach us at 800-555-0142, staffed twenty-four hours a day, every day. Have the transaction date and amount ready if you can; we can find it if you cannot.
We open the claim
A specialist files the dispute while you are on the line and posts provisional credit, typically within one business day, so you are not out the money during the review.
Close the door behind it
We reissue the card, help you reset credentials, and turn on alerts and two-factor if they were not already active. Most claims resolve within ten business days.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
Am I responsible for a fraudulent charge?
Under our zero liability policy you are not responsible for unauthorized debit or credit card transactions, provided you report them promptly and did not share your credentials knowingly.
Someone called claiming to be from Summit. How do I check?
Hang up and call 800-555-0100 from the number on the back of your card or on this site. A legitimate Summit representative will never object to being called back.
Does freezing my card stop my automatic payments?
No. Recurring merchant payments you set up previously continue to run. A freeze blocks new purchases, cash advances, and any transaction the card has not seen before.
I gave someone a one-time code by mistake. What now?
Call 800-555-0142 right away, before anything else. We will lock online access, invalidate active sessions, and reset your credentials on the call. Acting within the hour usually prevents any loss.
Are my deposits insured?
Yes. Member share accounts are federally insured to at least $250,000 by the National Credit Union Administration, and joint or trust accounts can carry additional coverage.
What is the strongest thing I can do today?
Turn on two-factor sign-in and transaction alerts. Those two settings together stop the large majority of account takeovers we see, and both take under two minutes.
Spend two minutes on this today
Turn on two-factor, set an alert threshold, and know where the freeze button lives. That is the whole checklist.