Button with caption LOGIN for access to online banking with Summit State BankLOGIN Button with caption ACCESSIBLE SITE to view the  Summit State Bank accessible web pages ACCESSIBLE SITE

Resource Center

About Us | The Summit WayCareers | Press Releases

 Leadership Team | Board of Directors | Branch LeadersCustomer Resources

 

icon representing a lock for security concept  Customer Protection & Security

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 you cash flow and manage your money.

icon representing a home  Personal

Enroll in SummitOnline Banking and have access to your account information, pay bills, view transactions and transfer money between accounts.

icon representing a store  Business

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.

Reconcile your account transactions with Quickbooks.

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.

icon representing a letter and pencil  Beneficial Ownership

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.

 

Frequently Asked Questions

 

To reorder checks, simply click on the secure link to Harland Clarke: https://www.checksconnect.com/

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.

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.

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.

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).

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.

Eligibility is based on a history of managing your bank account responsibly.

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).

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.

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
  • Two types of scanners can be used with ezDeposit. Most home and office flatbed scanners that are TWAIN compliant are supported.
  • Businesses with high check volumes may prefer to use a scanner that can process multiple checks at a time. The Bank can provide you with this type of scanner for a fee.

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.

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.

Using a flatbed scanner

  • Login in to SummitOnline and click the ezDeposit link.
  • Endorse the back of your check “For deposit only” and sign your name. There is no need to use a deposit slip.
  • Follow the simple prompts to scan the front and back of your check.
  • 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.
  • It is recommended that you retain your check for 60 days after the deposit is made. After 60 days, make sure to shred the check or destroy it by a secure method. 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.
  • 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.

Using a multi-check scanner

  • Login in to SummitOnline and click the ezDeposit link.
  • Deposit made using the multi-check scanner do not need to be endorsed, as the endorsement is performed automatically during the scanning process
  • Follow the simple instructions to scan your checks.
  • Print reports as needed.
  • It is recommended that you retain your check for 60 days after the deposit is made. After 60 days, make sure to shred the check or destroy it by a secure method. Business account customers should retain deposited checks for 60 days after receiving email confirmation that the deposit has been approved. Once the 60 days has elapsed, customers should immediately shred or ensure destruction of checks through another secure method.
  • Images of deposited checks can be viewed for up to two years using your computer.
  • 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.
  • 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.
You can make deposits using your iPhone, Android smartphone or iPad.
  • Yes. 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 the computer that you use to log in to your account. When you log in to SummitOnline using a computer for the first time, you must register your computer as part of the enrollment process using a one-time-code that is sent to your phone. Once the computer has been registered, you can log in to your account. Accessing your account from any device that is not registered would be extremely difficult. In some cases, RSA Tokens may also be used, adding an even higher level of security.
  • 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).
  • SummitOnline will time-out after a short period of inactivity, however, we recommend that you always log out or close your web browser when not in use.

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.

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.
  • Flatbed scanning: Yes. Endorse all checks you deposit with "For mobile deposit only to Summit State Bank" and your signature.
  • Multi-check scanning (Using a bank issued scanner): No. Endorsements are performed automatically during the scanning process.
  • For personal 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.
  • 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 Deposit Account Agreement and Disclosure for further information.
Yes. Endorse all checks you deposit with "For deposit only" and your signature.
  • For personal 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.
  • 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.
  • 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.
summit state bank logo
 

 

© 2019 Summit State Bank
All Rights Reserved

707-568-6000

  (707) 568-6000

  info@summitstatebank.com

  500 Bicentennial Way
Santa Rosa, CA 95403

Member FDICMember FDIC
Equal Housing Lender
Equal Housing Lender