Frequently Asked Questions

Mobile Banking

How do I enroll in ezBanking?
If you are already a SummitOnline Banking user, there are two types of enrollment offered:
  • Activation Code Enrollment (for Text Banking)
  • On Device Enrollment (for the Mobile App and also Mobile Web Browser access).
Both methods are designed to prevent fraudulent access to your accounts by registering a device and tying it to your account.

Activation Code Enrollment (Text Banking)

Login to your account from a computer web browser, select the Administration menu and then Mobile Banking. Follow the steps to obtain an Activation Code which you will need to complete your enrollment and register your device. You will receive a text message acknowledging your text enrollment. Reply with the Activation Code to complete the process.

On Device Enrollment (Mobile App)

Simply download the ezBanking app for your mobile device, log in to your SummitOnline account from the ezBanking app, and then register your device by answering a few security questions.

iPhone – Go to Apple's App Store and search for Summit State Bank. Download the ezBanking app. You can get to the App Store via iTunes or from the app on your iPhone.

Android – Go to the Android Market, search for Summit State Bank and download the ezBanking app, or go to http://mobile.summitstatebank.com and click on the link to download the app.

iPad – Go to Apple's App Store and search for Summit State Bank. Download the ezBanking app. You can get to the App Store via iTunes or from the app on your iPad.

On Device Enrollment (Mobile Web Browser)

Go to the URL http://mobile.summitstatebank.com using a web browser on your mobile device, log in to your SummitOnline account, and then register your device by answering a few security questions.

If you are not a SummitOnline Banking user, contact your branch to be enrolled.

How do I access ezBanking?
There are three ways to access ezBanking:
  • Using an iPhone, iPad or Android app,
  • by texting, and
  • by using the mobile web browser.
The apps and mobile web browser have been specially designed to display your banking information clearly and provide ease of navigation. You can use any or all of these options.

Can I use my current phone?
  • You will be able to access ezBanking with most phones using one or more of the available methods. To use the text service, your phone must have texting capabilities and you must have a texting service plan with your cell phone carrier. A downloadable app is available for the iPhone and for many Android phones. To use the downloadable app or web browser, your phone must be web capable and you must be able to connect to the Internet, either by havinge a data plan service with your cell phone carrier or through a WiFi connection (for WiFi capable phones).
Can I set up alerts to advise me when activity occurs on my account? Yes. We highly recommend that you use alerts to send text and/or email messages to you when activity occurs on your account. To set up alerts, log in to SummitOnline from your PC and go to:
  • Administration > Alerts > Alert Preferences > select the mobile phone number > Save
  • Administration > Alerts > select an account > Change or Add for each desired alert > click the box for the mobile phone > Save
What should I do if I lose my phone?
For your protection, as soon as you notice your phone is missing:
  • Log in to SummitOnline and go to Administration > Mobile Banking and select "Remove Device". This will remove mobile banking access from your phone and prevent anyone from using your phone to access your accounts.
  • Notify the Bank at (707) 568-4950, Monday through Friday from 8:00am to 5:00pm Pacific Time.
  • Notify your cell phone carrier.
Is ezBanking safe?
  • Summit State Bank uses Advanced Login Authentication every time you log in to your account. Our systems not only verify your username and password, but also validate your mobile device. When you enroll in ezBanking, you must register your mobile device as part of the enrollment process.
  • When accessing your account via the ezBanking app or the mobile web browser, your information is encrypted as it travels across the Internet, using a minimum of 128 bit SSL encryption (all information is encrypted, including check deposits).
  • ezBanking will time-out after a short period of inactivity, however, we recommend that you always "Sign Off" from ezBanking when not in use.
  • Some account data may be stored on your phone when using Text Banking. Some account information is contained in text messages that are received on your mobile device, however, your account numbers are masked so that they do not show your entire account number. Depending on the text message, balance information may be visible. We recommend that you delete all text messages related to Text Banking, once you have reviewed your information.
  • No account data is stored on your phone when using the ezDeposit app or mobile web browser.
What other security tips do you recommend?
  • We recommend password protecting your phone to provide an added layer of security. Use a strong password, including a combination uppercase letters, lowercase letters, numbers and special characters. Avoid using 4 digit PIN numbers, as these are not strong passwords.
  • Do not "jail break" your mobile device. Doing so could pose major security risks.
  • Download our apps from the stores we have indicated to make sure they are legitimate.
  • Add our texting short code (79680) and customer service number (707-568-4950) to your contact list and initiate texting and phone calls only from your contacts.
  • Do not click on links in SMS messages unless you initiated the SMS conversation with us.
  • If you are using the mobile web site, bookmark it so that you know you are accessing the authentic site.
  • Always use your cellular network when conducting financial services. Avoid using unsecured, public WiFi networks to access your accounts.
  • Do not keep your mobile banking username or password with your phone.
  • Sign off the mobile web and apps when finished with your banking.
  • Don't allow others to use your phone.
  • Use Alerts to advise you when changes have been made to your SummitOnline services.
  • Summit State Bank will never phone, text or email you to request private information such as account number, social security number, card number, or password. Do not respond to requests for such information.
  • Delete all text messages related to Text Banking after you have reviewed your information.

Mobile Deposit

How do I sign up?
If you are already a SummitOnline Banking user, there are two ways to sign up:
  • Download our ezBanking app for your smartphone or iPad and sign up automatically. This option allows you to make single check deposits from your mobile device in amounts up to $2,500 over 10 banking days.
  • Contact one of our branches to complete an application. This option is required for our multi-check scanning option used by many businesses, or if you wish to make deposits larger than $2,500.00 over 10 banking days.
What kind of smartphone works with Mobile Deposit?
  • You can make deposits using your iPhone, Android smartphone or iPad.
How does Mobile Deposit work?
  • Simply download the ezBanking app for your mobile device, log in to your SummitOnline account from the ezBanking app and then register your device, by answering a few security questions.
iPhone – Go to Apple's App Store and search for Summit State Bank. Download the ezBanking app. You can get to the App Store via iTunes or from the app on your iPhone.

Android – Go to the Android Market, search for Summit State Bank and download the ezBanking app, or go to http://mobile.summitstatebank.com and click on the link to download the app.

iPad – Go to Apple's App Store and search for Summit State Bank. Download the ezBanking app. You can get to the App Store via iTunes or from the app on your iPad.
  • Log in to ezBanking.
  • Click on the Menu option at the top left, then select Check Deposit.
  • Endorse the back of your check "For deposit only" and sign your name.
  • Follow the simple prompts to scan the front and back of your check. There is no need to use a deposit slip.
  • Review the check image to be sure it is clear and submit your deposit. You will receive an on-screen acknowledgement when your deposit is received by the Bank. You will also receive an email notification.
  • You will receive a second email notification when your deposit has been approved or denied by the Bank.
  • Consumer account customers should immediately shred or ensure destruction of checks through another secure method once you have received email confirmation that the deposit has been approved. Business account customers should retain deposited checks for 60 days after such confirmation, before destroying the deposited checks. Refer to your ezDeposit Sub-Agreement for detailed instructions.
  • Images of deposited checks can be viewed for up to 30 days using your mobile device, and up to two years using your computer by accessing ezDeposit via SummitOnline.
Do I need to endorse my check?
  • Yes. Endorse all checks you deposit with "For deposit only" and your signature.
Will my check be deposited to my account the same day I scan it?
  • For personal accounts, if you deposit your check by 3 PM Pacific Time on a banking day, it will be processed the same day. Otherwise, it will be processed the following banking day.
  • For business accounts, if you deposit your check by 4 PM Pacific Time on a banking day, it will be processed the same day. Otherwise, it will be processed the following banking day.
  • You will receive credit for your deposit based upon our Funds Availability Policy. Generally, this will be on the first business day after the day of your deposit. Please review Summit State Bank's Funds Availability Policy for further information.
Are there limitations on what/how much I can deposit?
  • You can only deposit checks made payable to you.
  • You cannot deposit Travelers Cheques and some State of California checks using the mobile app.
  • The following limits are the default limits for new users who sign up using the ezBanking app. Higher limits may be obtained by contacting one of our branches.


  • - Per Check deposit limit: $2,500
    - Per Day deposit limit: $2,500
    - Dollar limit per 10 banking day period: $2,500
    - Number of checks that can be deposited in one day: 15
    - Number of checks that can be deposited in a 10 banking
      day period: 100

    Is Mobile Deposit safe?
    • Summit State Bank uses Advanced Login Authentication every time you log in to your account. Our systems not only verify your username and password, but also validate your mobile device. When you enroll in ezBanking, you must register your mobile device as part of the enrollment process.
    • When accessing your account via the ezBanking app or the mobile web browser, your information is encrypted as it travels across the Internet, using a minimum of 128 bit SSL encryption (all information is encrypted, including check deposits) .
    • ezBanking will time-out after a short period of inactivity, however, we recommend that you always "Sign Off" from ezBanking when not in use.
    • No account data is stored on your phone when using the ezDeposit app or mobile web browser.