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Card Security Features

The Summit will never contact you to ask for your account numbers, card number, zip code, passwords, pin numbers, passcodes, or usernames. If anyone contacts you unexpectedly and requests this information, do not provide it.

Card Controls for your Summit Visa® Debit Card

With Card Controls, you can prevent unauthorized purchases in just a few steps.* At any time, you can pause, report your card lost/stolen or cancel your card. It’s an extra layer of fraud protection for your Visa Debit Card.

Card Controls is available to all members with an Online Access or Mobile banking account and an open and active Visa Debit Card.

To access Card Controls: 

  • Log into Online Banking and access Card Controls from the “Additional Services” menu > Card Management
  • Log into Mobile Banking and access Card Controls from the “More” menu > Card Management. Don’t have the app? Download it on the App Store or Google Play and get started today!

*While your card is in temporary “off” mode most new purchases and ATM transactions will not be processed. Preauthorized transactions and authorized reoccurring transactions may be approved while the card is in “off” mode. You remain responsible for monitoring all transactions.

3DS One-Time Passcode (OTP) with your Summit Visa® Debit Card

3DS One-Time Passcode (OTP) is an authentication measure used by The Summit and 3DS enables you to secure online transactions. By implementing this feature, Members will be able to self-serve the authentication by obtaining a one-time passcode to your mobile device or email address.

Using OTP in online transactions helps to protect against online fraud. It is a secure way to authenticate if the member who is making an online purchase is the rightful owner of the debit card being used.

*OTP for online payment is required only at merchant websites that support the 3DS Secure (3DS) authentication protocols/ Entering OTP provides extra security for online transactions.

Transactions originating with a 3DS Secure merchant pass through a risk-assessment process set up by The Summit. If the authorization is considered higher risk or out of normal activity, OTP will be generated for validation the authentication. You can review the 3DS OTP disclosure here.

Purchase Alerts powered by Visa®

Purchase Alerts is a free service that helps you monitor your Summit Visa Debit and Credit Card transactions through real-time email and text message notifications. Not only are these alerts a great tool to help you track your spending, but they also give you peace of mind knowing that your cards are being monitored for unauthorized transactions.

Having these alerts offers the ability to:

  • Immediately identify potential fraudulent activity by sending transaction alerts in real-time.
  • Take an active role in managing your transactions, tracking your spending, and staying on top of your account balances.
  • Receive notifications about when and where your card was used, as well as the dollar amount of the transaction.

You can sign up to receive the following alerts: 

  • Authorizations for $1 or more
  • All phone or online purchases
  • All transactions outside of the United States
  • All gas purchases
  • Declined transactions
ENROLL TODAY

Visit the Purchase Alerts Website or access the link within Online Banking. On the navigation bar under “Credit Cards” or “Debit Cards”, click “Visa Credit Purchase Alerts” to be taken to the Visa website for Purchase Alerts. Each card needs to be entered in the system separately, including new cards of a previously-enrolled account. For more information, you can visit the Visa Purchase Alert FAQs.

If you have any questions, please contact our Member Service Center at (585) 453-7000 or (800) 836-7328.

The Summit does not charge a fee for this service. If Purchase Alerts are sent to you via text message, standard text messaging rates may apply. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply. Authorizations will be sent to you as they are received, which can be any time during the day or night, and may be dependent on your service availability. The Summit is not responsible for an alert not being sent or received. You may also cancel whenever you choose. You must be joint/co-borrower to link a card.

EMV Chip Technology

The Ultimate in Fraud Protection

All Summit cards are equipped with EMV Chips. That means you’ll be able to use your card with confidence anywhere Visa is accepted.

What is EMV?

EMV stands for EuroPay, MasterCard®, Visa® and it represents chip technology that increases security.

How do I use my EMV Chip card?

If the merchant is chip-card ready, you will be prompted to insert your card into the terminal where it will communicate with the microchip to determine if the card is authentic. Follow the prompts on the terminal and remove the chip card when prompted to do so. If the merchant isn’t chip-card ready, the transaction will process using the magnetic strip on your card.