Summit State Bank, an award-winning community bank, welcomes the opportunity to serve your banking needs.


Open a Winning Combination Summit Consumer Package which consists of a non-interest-bearing checking* and a savings account either online or at any of our five branch locations.

With your Winning Combination, features include:

  • Earn 2.00% APY** on your Summit Consumer Savings balance
  • An order of basic Summit Checks
  • Access to Online Banking with bill payment
  • Access to Mobile Banking
  • The APY is approximately 20 times higher than the national average ***

You'll have easy access to your money and if that's not enough, we'll share the increase with you if there is an increase by the Federal Reserve Bank.****


Open Your Winning Combination Summit Consumer Package Online »


Five Sonoma County locations to serve you:

Santa Rosa Main
500 Bicentennial Way

1001 Vine Street

Montgomery Village
2300 Midway Drive

Rohnert Park
10 Raley’s Towne Centre

100 Petaluma Blvd.
South, Ste. A


*Requires a non-interest-bearing Summit Consumer checking account with a minimum balance of $10,000 to obtain the Summit Consumer Package features. If the average balance falls below $10,000, a $15 monthly fee will be assessed.

**The Annual Percentage Yield (APY) is accurate as of August 8, 2022. The minimum to open and obtain the APY is $25,000. If the average balance falls below $15,000, a $10 monthly fee will be assessed. Interest bearing accounts have a variable rate. The APY and interest rate may change without prior notice. Interest is compounded daily and credited monthly to the account. Fees may reduce earnings. 

Funds for both accounts must be new money. At account opening, you will receive disclosures which will provide all the specific terms and conditions of the accounts. All new accounts are subject to Summit State Bank approval.

*** The national average rate on savings as of July 18, 2022, is 0.10%, according to the FDIC Monthly Rate Cap.

**** If the Federal Reserve changes interest rates, we will split the difference of the change with you.