Digital Banking Guide

Text Message Banking

Text Banking

No smartphone, no problem! 

Stay up-to-date and manage your account on the go with text banking.1 Text message (SMS) and email alerts are offered frequently throughout the day to ensure you have current information on any eligible account. Plus, you can customize your alert preferences and add additional alert options.

Manage and Safeguard Your Accounts with User-Defined Alerts

Stay on top of your finances with text message alerts that can be sent to one phone or multiple phones. The available options are:

  • High Balance
  • Check Cleared
  • Maturity Date
  • Payment Due
  • Payment Overdue
  • Personal Reminder
  • Large Withdrawal
  • Balance Update
  • Low Balance
  • Large Deposit

Balance alerts can be sent any day of the week or:

  • Every Two Weeks
  • Monthly
  • Twice Monthly
  • Every 3 Months
  • Every 6 Months
  • Every Year

Stay well-informed with email alerts for:

  • Large Withdrawal
  • Large Deposit

Benefits:

  • Access your account balances and transactions, as well as transfer funds, from your mobile phone.
  • It’s the fastest and easiest way to get your account balances – anytime, anywhere.
  • Text Message Banking service is free1.
  • Easy enrollment completed through The Summit’s secure Online Access site.

What You Will Need:

  • Your Summit Online Access username and password or account number and temporary Personal Identification Number (PIN) for initial online banking setup.
  • The Summit Online Access must be established in order to use the Text Message Banking service.

Getting Started:

  1. Login Information: Sign into your account at www.summitfcu.org by entering your username and password (or account number and temporary PIN for initial Summit Online Access setup).
  2. Hover your cursor over the “Additional Services” tab and select “Alerts & Notifications.”
  3. Set up Text Message Banking:
    1. Select “Text Message Banking”.
    2. Enter your cell phone number in the space provided.
    3. Select Your Primary Account: Select your primary account from the drop down menu under the section “The account I use most is”. When you text the word “BAL” or “LAST,” we will respond with your primary account balance or recent transactions.
    4. Select Transfer Source Account: Select your transfer source account from the drop down menu under the section “When low, transfer money from”.
    5. Click “Done”.
  4. Set up your phone:
    1. Enter your cell phone number in the space provided.
    2. To enroll in the service, select the box indicating you accept all Terms and Conditions. If you do not accept the Terms and Conditions you will not be able to register for Text Message Banking.
    3. Enter the code that was text messaged to you, and then select “Next.”
  5. Finalize Set up on your Phone:
    1. Enter the code that was text messaged to you.
    2. To enroll in the service, click “Accept” to agree to the terms and conditions. If you do not accept the Terms and Conditions you will not be able to register for Text Message Banking.
  6. Select Transfer Source Account: Select your transfer source account from the dropdown menu. When you text us the word “TRANS” followed by an amount, we will transfer money from your source account to your primary account.
  7. SMS Alerts: Choose what alerts you would like to receive. You can change the alerted amount for balances, payments, and deposits. After choosing your alerts, select “Finish.” A new window will appear confirming your phone number has been activated for text message banking.
Login Information

With Alerts and Notifications, you can set up text banking, low balance alerts, large withdrawal alerts and more.

Setup Mobile Banking and Alerts

To receive the alerts, use a cell phone you can easily access.

Text Message Banking

Use the account you use the most–typically the checking account where your direct deposit goes.

Set up your phone
Enter Verification Number and accept the Terms and Conditions

Text Message Banking Commands:

Send any of the commands below to 454545 to utilize the service:

  • BAL – Primary account balance
  • BAL ALL – All account balances
  • BAL CHK – Checking account balances
  • BAL SAV – Saving account balances
  • LAST – Last 5 transactions (from Primary account)
  • TRANS – Transfer funds to primary account
  • STOP – Deactivate service
  • HELP – Help on keywords

Save 454545 as a phone number in your address book.

Resources and information

We never send confidential information such as user IDs, passwords or complete account numbers via Text Message Banking.

If you have additional questions regarding Text Message Banking, please contact our Member Service Center at (585) 453-7000 or (800) 836-7328, or visit your local branch.

Alerts can be sent to a primary email address and one additional address. If you would like to learn how to enroll in Purchase Alerts for your Summit Debit or Credit Card, visit our Fraud Prevention Center.

  1. We won’t charge you; however, standard carrier fees for text messaging or push notifications may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages or notifications.