Summit State Bank is committed to protecting you from identity theft, scams and fraud. We ask that you join us by being diligent in reviewing your account activity and contacting us as soon as you notice something unusual.
Please note that Summit State Bank will never phone, text, or email you to request private information such as your account number, social security number, card number or password.
If you receive a call or are contacted by someone who purports to be from Summit State Bank, who is asking for personal and account information, please contact us immediately at (707) 568-6000 for assistance.
Summit State Bank offers several tools to help manage your finances. Accessing your account information online from wherever and whenever you choose, helps you keep track of your cash flow and manage your money.
Enroll in SummitOnline Banking and have access to your account information, pay bills, view transactions and transfer money between accounts.
To manage your business account, enroll in Business eBanking and collect money from your customers, pay vendors and your employees and your state and federal taxes through ACH.
Pay your bills quickly and conveniently with Bill Pay through SummitOnline Banking and Business eBanking.
Manage your financial paperwork by signing up for eStatements so you can maintain electronic files of your monthly statement, eliminating paperwork and securely manage your records electronically to prevent fraud.
Set balance thresholds so you can manage your cash flow and receive pre-set alerts initiated by you.
Access your money and view your account balances at over 40,000 surcharge-free ATMs from coast-to-coast.
It is our intent to make your banking experience with Summit State Bank as simple as possible while fully complying with legal requirements.
In 2018, the United States Treasury Department added a new requirement under the Bank Secrecy Act that all banks must adhere to in identifying and verifying the beneficial owners and a control person of each legal entity customer. You can download the Certification of Beneficial Ownership form here.
Never hesitate to call us directly at (707) 568-6000 should you have any additional questions.
Summit State Bank: 321181307
To report a lost, stolen or compromised debit card, please call us at (707) 568-4997.
To report a lost or stolen credit card, please call 1 (800) 367-7576.
To reorder checks, simply click on the secure link to Harland Clarke.
Reporting Identity Theft
https://www.consumer.ftc.gov/features/feature-0014-identity-theft
Reporting Elder Abuse
http://www.cdss.ca.gov/inforesources/Adult-Protective-Services
Federal Deposit Insurance Corporation (FDIC)
https://www.fdic.gov/consumers/consumer/news/
Consumer Financial Protection Bureau
https://www.consumerfinance.gov/consumer-tools/fraud/9
FDIC Deposit Insurance - How are my deposits insured by the FDIC?
https://www.fdic.gov/deposit/covered/categories.html
Homeland Security – Stop. Think. Connect ™ Toolkit
Cybersecurity
https://www.dhs.gov/stopthinkconnect-toolkit
Cybersecurity for small business
How to Avoid Fraud
https://www.consumer.ftc.gov/articles/0060-10-things-you-can-do-avoid-fraud
Beware of Phishing
https://consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams
Online Security
https://consumer.ftc.gov/articles/online-shopping
Review your credit report annually
https://consumer.ftc.gov/consumer-alerts/2023/01/pass-it-2023-renewing-fraud-prevention
Online Banking Fraud Prevention
New E-Scams and Warnings
Exemptions and Limitations
A legal entity is defined as a corporation, limited liability company, other entity created by the filing of a public document with a Secretary of State, a general partnership, a limited partnership, business trust and any similar entity formed under the laws of a foreign jurisdiction. We are not required to identify and verify the identity of the beneficial owners of a legal entity customer when the customer opens any of the following:
• Accounts established at the point-of-sale to provide credit products, solely for the purchase of retail goods and/or services at these retailers, up to a limit of $50,000.
• Accounts established to finance the purchase of postage and for which payments are remitted directly by the financial institution to the provider of the postage products.
• Accounts established to finance insurance premiums and for which payments are remitted directly by the financial institution to the insurance provider or broker.
• Accounts established to finance the purchase or lease of equipment and for which payments are remitted directly by the financial institution to the vendor or lessor of the equipment.
These exemptions will NOT apply under EITHER of the following circumstances:
• If the accounts are transaction accounts through which a legal entity customer can make payments to, or receive payments from, third parties
• If there is the possibility of a cash refund for accounts opened to finance purchase of postage, insurance premium or equipment leasing.
Additionally, the Rule excludes from the definition of legal entity customer certain entities that are subject to Federal and State regulation and for which information about their beneficial ownership and management is available from the Federal and State agencies. The following list of exclusions have been outlined in the Rule:
• Financial institutions regulated by a Federal functional regulator or a bank regulated by a State bank regulator
• Department or agency of the U.S., of any State, or of any political subdivision of a State
• Any entity established under the laws of the U.S., or any State, or of any political subdivision of any State, or under an interstate compact
• Any entity (other than a bank) whose common stock or analogous equity interests are listed on the New York (NYSE), American (ASE) or NASDAQ stock exchange
• Any entity organized under the laws of the U.S. or of any State at least 51% of whose common stock or analogous equity interests are held by a listed entity
• Issuers of securities registered under Section 21 of the Securities Exchange Act of 1934 or that is required to file reports under 15(d) of that Act
• Any investment company, as defined in Section 3 of the Investment Company Act of 1940, registered with the SEC
• An SEC-registered investment adviser, as defined in Section 202(a)(11) of the Investment Advisers Act of 1940
• An exchange or clearing agency, as defined in Section 3 of the SEA, registered under Section 6 or 17A of that Act
• Any other entity registered with the SEC under the SEA
• A registered entity, commodity pool operator, commodity trading adviser, retail foreign exchange dealer, swap dealer or major swap participant, defined in Section 1a of the Commodity Exchange Act, registered with the Commodity Futures Trading Commission
• A public accounting firm registered under Section 102 of the Sarbanes-Oxley Act
• A bank holding company, as defined in Section 2 of the Bank Holding Company Act of 1956 or savings and loan holding company, as defined in Section 10(n) of the Home Owners' Loan Act
• A pooled investment vehicle operated or advised by an FI excluded from the definition of legal entity customer under the CDD Rule
• An insurance company regulated by a State
• A financial market utility designated by the Financial Stability Oversight Council under Title VIII of the DFA
• A foreign financial institution established in a jurisdiction where the regulator of such an institution maintains beneficial ownership information regarding such institution
• A non-U.S. governmental department, agency or political subdivision that engages only in governmental rather than commercial activities
• Any legal entity only to the extent that is opens a private banking account subject to 31 CFR 1010.620
Each individual, if any, who directly or indirectly, owns 25% or more of the equity interests of a legal entity customer (OWNERSHIP PRONG).
A single individual with significant responsibility to control, manage or direct a legal entity customer, including an executive officer or senior manager (e.g. CEO, CFO, COO, Managing Member, General Partner, President, Vice President or Treasurer); or any other individual who regularly performs similar functions (CONTROL PRONG).
The beneficial ownership rule makes it mandatory for all financial institutions to comply by identifying the ultimate beneficial owner(s) and a controlling person of a legal entity customer opening or maintaining an account.
A legal entity is defined as a corporation, limited liability company, other entity created by the filing of a public document with a Secretary of State, a general partnership, a limited partnership, business trust and any similar entity formed under the laws of a foreign jurisdiction.
Visit one of our five branch locations and complete an application. This option is required for our multi-check scanning option used by many businesses.
This is because either the username or company ID (if applicable) is being typed in incorrectly. Please try returning to the main log on screen to try re-typing your username and Company ID (if applicable).
If you require assistance, contact us at centraloperations@summitstatebank.com or by calling 707-568-4950.
Eligibility is based on a history of managing your bank account responsibly.
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:
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 having a data plan service with your cell phone carrier or through a WiFi connection (for WiFi capable phones).
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. Contact one of our branches to complete an application. This option is required for our multi-check scanning option used by many businesses.
There are three ways to access ezBanking:
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.
For your protection, as soon as you notice your phone is missing:
You can make deposits using your iPhone, Android smartphone or iPad.
If you are already a SummitOnline Banking user, there are two types of enrollment offered:
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.
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.
Yes. Endorse all checks you deposit with "For Mobile Deposit only to Summit State Bank" and your signature.
Already a customer? Sign up for Online Personal Banking »
Open a Personal Banking account »
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.
When logging in, you may be prompted to use a one-time code, in addition to your username and password. This code will be communicated to you through either an automated voice call or a text message.
Sign up for Online Business Banking »
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.
When logging in, you may be prompted to use a one-time code, in addition to your username and password. This code will be communicated to you through either an automated voice call or a text message.