Summit Community Bank is a local bank you can trust, rooted in the communities of West Virginia and Virginia, dedicated to providing reliable, customer-first banking.
At Summit you’ll find banking solutions that are tailored for you with the local convenience travelers and residents have come to love.
Overall, their dedication to local engagement, financial literacy, and personalized banking sets them apart as the ideal option for customers who care about trust, transparency and neighborly assistance.
Whether you need digital banking or mortgage lending solutions, Summit Community Bank is here to support your upward financial movement.
What is Summit Community Bank?
Summit Community Bank, which is based in Moorefield, W.Va., is a regional bank. The bank, which has more than 40 branch locations in Virginia and West Virginia, was founded in 1883.
It offers personal, business, and commercial banking services focusing on the needs of the local communities. Summit has a reputation for superior customer service, strong community involvement, and a full suite of financial services—checking/savings accounts, loans, credit cards, and online banking.
Whether navigating everyday finances or building and tracking a small business, Summit Community Bank provides you with both modern conveniences and the personalized touch of a local bank.
Summit Community Bank, Inc. is a wholly owned subsidiary of Summit Community Bank, Inc, a community bank with its principal place of business in Moorefield, West Virginia.
Summit, unlike large national banks that are shareholder-owned, is owned by local investors, in addition to stakeholders who care about serving the community.
It is the bank and financial services division of its parent company Summit Financial Group, Inc. (NASDAQ: SEMF), a publicly traded company.
Founded in 1987, Summit still believes in local decision making so customers actually meet with bankers who know what their region needs.
The bank exists for personalized service, not for a corporate profit. Key leaders such as CEO H. Charles Maddy III and Chairman D. Lynn Pritt guide its growth while also maintaining its community-first values.
Who Summit Community Bank Is Good For?
Summit Community Bank is best for:
- Individuals & Families: Those who value personal service over big-bank bureaucracy.
- Small businesses and farmers: who are local entrepreneurs who require flexible loans and business accounts.
- Homebuyers: Competitive mortgage rates with local loan officers.
- For Savers & Investors: High-interest CDs, savings accounts and trust services.
Here, decisions are made at the local level (no out-of-state sign-off) and also to support the community (donate to small business & schools).
There is FDIC insured security (up to $250,000/account), so if you want to avoid mega-banks for a neighborly banking experience, Summit is a great option.
How to Get a Summit Community Bank Account
For Summit Community Bank, you can visit a branch near you or begin opening an account online. You will need a government-issued ID, proof of address and your Social Security number.
You can select from personal checking, savings, money market or business banking accounts. Their staff will walk you through the various account options they offer, and help get you activated with mobile or online access.
It’s easy to open an account, and you’ll benefit from personalized service, like instant-issue debit cards and access to financial planning resources.
What Types of Accounts Does Summit Community Bank Offer?
Summit Community Bank has a variety of features that make banking easy, secure, and convenient! These include:
- Free online and mobile banking
- It also provides instant alerts and eStatements.
- Competitive loan and CD rates
- Business banking tools
- 24/7 telephone banking
- Immediate replacement of the debit card
- FDIC-insured accounts
And they’re big on customer education and events around the community, so you won’t be just a member here but a part of the Summit family. Whether you’re saving, borrowing or investing, there’s a suite of tools and professionals available to support you.
How Far is the Nearest Summit Community Bank?
To find the nearest Summit Community Bank, go to [their branch locator]. It has branches in several counties in Virginia and West Virginia, including Harrisonburg, Winchester, Moorefield and Charleston.
Search by ZIP code or city name to get locations, business hours, ATM hours and contact information.
Summit is a relatively accessible bank, frequently placing branches in small towns and cities where other regional banks might not be found. Whether your banking is done in person or online, you’re never too far from a Summit team prepared to assist you.
What are the Bank’s Business Services?
Summit Community Bank is a good partner for small to mid sized business. They offer business checking and savings accounts, merchant services, payroll solutions, lines of credit and SBA loans.
Local relationship managers, with knowledge of regional economies, provide personalized support to business customers.
In addition to business lines of credit, Summit also provides commercial real estate loans and specialized equipment financing designed to help your business grow.
They focus on long-term relationships and financial education, allowing businesses to grow over time. Summit is a good match if you’re a business owner looking for flexibility and partnership.
What Kinds of Loans Does Summit Community Bank Offer?
Summit Community Bank offers multiple personal and business lending solutions. These include:
- Personal and auto loans
- Home mortgages and refinances
- Home equity lines of credit (HELOCs)
- Construction loans
- Small business loans
- Agricultural financing
Their loan officers will give you a personal touch, helping you to understand your options and walk through each step of the application process with you. From buying your first car to investing in property, Summit offers a simple, accessible way to borrow.
Does Summit Community Bank Have Online Banking?
Yes! Summit Community Bank has a strong digital banking platform. Customers can view balances, pay bills, transfer money, deposit checks remotely and create account alerts on mobile devices or computers.
Their digital services also offer mobile wallet compatibility and Zelle® for peer-to-peer transfers. Security is a strong focus, with two-factor authentication and fraud monitoring included.
Summitt does have customer support and in-person assistance at every branch location if additional help is needed.
Does Summit Community Bank Have ATMs?
Yes, if you are a Summit Community Bank customer, there are a growing number of ATMs located at most branch locations.
Cash withdrawal, statements and deposits are documentary and the ATMs. Fees for using ATMs outside of the Summit network are either refunded, or free within select ATMs depending on your account.
You can use the mobile app or website to find the nearest ATM, ensuring easy access to your funds at any time.
Summit Community Bank Holiday Hours
Hours – Most Summit Community Bank branches are open Monday through Friday, 8:30 AM to 5:00 PM. Selected locations also have Saturday hours, typically from 9:00 AM to 12:00 PM.
Drive-thru services may open sooner or stay open later—check with your location. It’s best to verify your local branch hours using the branch locator tool. You can even manage your accounts after hours using online or mobile banking.
Does Summit Community Bank Have Mobile Banking?
Absolutely! You can deposit checks from a smartphone or tablet through the Summit Community Bank mobile app. Just sign the back of the check, take a picture with the app, and send it in for deposit.
DAVESTAD: DAVESTAD is a 24/7 service, thus, once customers can access it from anywhere, the need for branch visits is reduced. It is particularly beneficial to rural customers or customers with tight schedules.
Funds are generally available in one business day, subject to deposit time and account history.
How is the Customer Service at Summit Community Bank?
Summit Community Bank is committed to providing outstanding customer service. Their staff are trained to give conscious, tailored support, be it you enter a branch or call the assist line.
They help with everyday banking, loan inquiries, fraud alerts, you name it. Online support features live chat and a comprehensive FAQ section.
If you prefer local, friendly service from people who know your name, Summit is usually among the best-rated nationally in customer satisfaction.
What are the Different Types of Checking Accounts?
Summit Community Bank provides a range of checking account options for various needs, including:
- Checking account with no monthly fees
- Interest-bearing accounts
- Student accounts
- Senior accounts
- Business checking options
Each includes free online banking, mobile access and a Visa debit card. Based on your balance and usage, you may be eligible for interest or fee waivers. (Their team will match you with the best account for your lifestyle and spending habits.)
Summit Community Bank: Investments and Money Management Services
Yes, Summit Community Bank also offers investment and wealth management services via Summit Financial Group.
Advisors help with retirement planning, picking stocks, insurance and estate strategies. This is where you can find my services for individuals and businesses aiming to grow their wealth over time.
Providing guidance with the utmost fiduciary responsibility and intrinsic local knowledge, Summit puts your financial future in trusted hands. Depending on your preference, you can book consultations at select branches or virtually.
What Do Summit Community Bank Employees Love Most About Working for the Company?
Just as its title indicates, Summit Community Bank is a community-minded institution. They provide assistance to local schools, sponsor youth sports teams, host financial literacy workshops, and donate to regional nonprofits.
Summit is also involved in affordable housing and small business grants. A community-first mindset builds customer trust and loyalty.
Banking with Summit means you’re contributing to a financial institution that puts its money back into the communities we work in.
Why Summit Community Bank is Good for Students
Yes, Summit Community Bank is a good choice for students. Their student checking accounts have no minimum balance, no monthly maintenance fees, and mobile banking.
These accounts are great for handling allowances, part-time job earnings or financial aid refunds. For young adults embarking on their financial journeys, Summit also offers budgeting tools and credit-building advice.
Whether you’re near one of our 1,400 locations around college towns or connecting with us through digital access, students can bank confidently and responsibly.
Does Summit Community Bank Offer a Credit Card?
Through trusted partners, Summit Community Bank does offer a selection of personal and business credit cards.
The cards offer solid interest rates, rewards programs and fraud protection. Select among cashback cards, low APR cards, and cards aimed at building or rebuilding credit.
Their bankers can assist you in choosing the most appropriate card based on your income, credit history and financial goals. It has a fast application process and customer support for future card management.
Are Summit Community Bank Accounts FDIC-Insured?
Absolutely. Summit Community Bank deposit accounts are fully FDIC insured, up to the current legal limit of $250,000 per depositor. That means your money is protected if the bank fails, giving you peace of mind when you save or invest.
FDIC insurance protects your money when you open a savings account, checking account, or CD. Summit’s financial advisors can help you structure accounts for maximum coverage.
What is the Customer Service Phone Number for Summit Community Bank?
To contact the Summit Community Bank general order support, call their helpline at 1-800-786-2781 between business hours.
You can also go to a local branch or use their secure message center through online banking. The site offers useful FAQs, downloadable forms and live chat in some cases.
Whether you’re working through an issue or looking for advice, the bank’s award-winning support team is friendly, efficient, and responsive during every interaction.
Conclusion
Summit Community Bank is a customer-first institution that combines modern banking conveniences with old-school personalized service.
If you’re opening your first account, growing your business or preparing for retirement, Summit brings you financial solutions customized for your life.
Fostering a unique blend of traditional values with modern services, Summit Community Bank is bringing positive change to the way we bank.
Summit is possibly the partner you were looking for (the one with the family relationship), your financial avalanche begins here.
