Vista Checking - 1.49% APY*

High interest checking with no monthly fee.
Debit Card

Looking to earn more interest than what our Horizon Interest Checking Account can deliver? Vista Checking is for you.

Vista Checking is for anyone looking to capitalize on higher balances from personal checking accounts. It has all the liquidity of a standard checking account with no monthly minimum balance. Plus, it pays at a higher rate than a traditional money market.

There are no minimum balance requirements and no monthly fee. And you'll get a .25% per annum interest rate discount on consumer loans.**

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**The following requirements will need to be met in each calendar month in order to receive 1.49% APY on balances up to $30,000: 15 debit card transactions, 1 direct deposits or ACH transactions, and eStatement. P2P transactions do not count toward the minimum monthly transactions. Balances in excess of $30,000 receive .25% APY. If requirements are not met, account will earn .05% APY. APY is Annual Percentage Yield and it is subject to change without notice. Fees may reduce the earnings on the account. Account is for personal accounts only.
**Discount available if auto-draft is set up on consumer loan.

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Interest Rate

Tiered Balance Requirements to Obtain Advertised Interest Rate Interest Rate Annual Percentage Yield
Amounts up to $30,000 may earn 1.48% 1.49%
Amounts in excess of the first $30,000 may earn 0.25% 0.25%


  • $100 minimum to open
  • To earn higher rate, you must:
    • Have 1 minimum direct deposit or ACH transaction per month;
    • Have 15 minimum debit card transactions per month;
    • And receive eStatements

Account Features and Benefits

  • No monthly fee
  • $1,000 Personal Identity Protection
  • ID theft – restoration and recovery
  • ATM fees refunded nationwide, up to $25 (if all requirements pertaining to this account are met)
  • Free Online Banking
  • Free Online Bill Pay
  • Free eStatements
  • Free debit card
  • 1st box of checks is free
  • Free Mobile Banking
  • Free Mobile App

Want to compare our personal checking accounts?

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