The Summit

Allison Kirsch

5 months ago

Very disappointed with the service I received via chat and then phone. A mobile deposit was rejected - when I online chatted to see the problem I was told "it's because you didn't write for mobile deposit on it" despite checking the box on the back of the check. Fine, I did that and redeposited. It was rejected again. When I inquired again why they told me it was because my husband hadnt signed it and he was also on the check. Okay makes sense. Had my husband sign it and then redeposited. It was rejected AGAIN and I was told it was because my husband signed it and wasn't on my account. What? They then said it was because the check was written as "name and name" not "name OR name". I've never had this problem before. Their solutions were: 1) come into a branch and deposit in person. - I live an hour away from a branch and this just isn't convenient for me. One of the reasons why I really like mobile deposit. 2) ask the check be rewritten. - it was the NYS inflation check....they won't be reissuing it 3) add my husband to my account. - this would require coming into the branch or doing a virtual visit. My husband and Is schedules don't allow for things like this during business hours and also we have our finances separate for a reason. That is our choice. Very disappointed and ended the call frustrated. Told my husband to deposit the check and his bank took it no problem. Next time im close to a branch I'll likely be closing my account. I never had this problem before. My dad has been a member since it was Rochester Telephone and I was very happy with everything until now.

Joe Hodges

7 months ago

Absolutely the worst banking experience I have had by far. I ended my membership and closed my account as a result. Paid off a car loan via ACH payment. After speaking with four (yes 4) different people, I was told "they will not budge" and issue the lien release until 10 business days have passed. Meanwhile, the new vehicle owner has to sit on the car for 10 days before he can register because of this. Had I paid by check or some other means I would understand but ACH is same as paying cash as far as I am concerned. They have their money! Anyway, this is a testament to paying cash for everything you can and avoid places like this. Like Dave Ramsey says, the borrower is slave to the lender and it's certainly true in this case. It's likely they will respond below this review with some canned response to apologize and/or cover themselves but in the end, I have moved on and you should too if you are consider using them for a loan. UPDATE 10/30/25 - Just as I stated they would in my original feedback, they responded with their "canned" corporate apology stating they stand by their policy which is no surprise. The branch I ended up driving to, almost an hour away to get the release could not believe the response I got from the call center. In the end, they are sitting on 3.4 stars and declining as I write this, and many of their other locations are less than that. Looks to me based on the majority of the feedback, their policies do need attention to better serve customer needs.

Shayna George

4 months ago

In December of 2025 something changed with the online banking system. It no longer reflects balances and transactions correctly. Called because I was receiving fees when I clearly had the funds. Was told that they can only reverse so many fees a year when its their error.

JIM PEROTTI

6 months ago

Very friendly bank Walked in asked what I wanted to do and get information was treated politely. I hope this bank isn't like ESL I wrote them up three times by to elderly like my self who 60 yrs old. Allowing kids to run around like it's a romper room. Teller refusing to allow me to conduct business as to I requested for .

Chris

10 months ago

I and other family members have had several loan products with them over the years with no issues. However after my latest auto loan was paid off, I made the mistake of using their "Virtual Branch" to close out my account as I did not see any near future needs to keep it open and I was on a long term work assignment across the country so I couldn't get to a branch in person. No problem, account closed and they'll mail me a check for the balance of my savings account. Sounds great! Well after several weeks of not receiving that check, I inquired and was told that yes, the check had been sent and there was nothing they could do. A Stop Payment on the check could not be issued for 90 days, which would be 7/28. Well, 7/28 rolls around so I follow up still never having received the check. I'm told that they can stop the check but that I would need to pay the Stop Check fee ($25). I need to pay the fee for a check that you issued to me? I didn't request a check in the first place, that was the only option presented (no ACH). No thanks. My funds will remain lost and Summit will never see a penny from me again that's for certain.