VISTA BANK
Welcome to the Vista Bank Family
We are excited to serve you, your family, and your business.
Vista Bank is pleased to onboard our Charis, Westwood Private Bank, and Justin State Bank clients onto the Vista banking platform starting at 4:00 PM CT on Friday, November 10, 2023. We anticipate this process will be completed on Monday, November 13.
A welcome message from Vista Bank Chief Communications Officer, Cathy Landtroop.
Systems Down
How Does This Affect Me?
There are multiple benefits to this opportunity. For example, you will…
- Be able to access 15 additional banking center locations across Texas and Florida.
- Gain 170+ team members at your service.
- Experience a robust online and mobile banking platform, stringent fraud protection, and a private client offering.
- Keep products similar to your current Charis products or choose from new Vista products such as our VistaSMART checking account currently paying 5.25% APY*
Here is what you can expect:
Personal Banking Product Conversion
If you have personal banking products with Charis Bank, your accounts will automatically convert to the closest Vista Bank offering as seen in the chart below.
Business Banking Product Conversion
If you have commercial banking products with Charis Bank, your accounts will automatically convert to the closest Vista Bank offering as seen in the chart below.
Do you utilize QuickBooks and Quicken for your business? Please make sure and backup your records no later than 4:00 pm CT, Friday, November 10. Then plan to reconnect your accounts after November 14.
Actions Required:
As you onboard to Vista Bank, most of the processes to move your accounts will be performed by our dedicated team members. That said, there are a variety of steps that you should understand and some that require you take specific action by certain dates. Please read through each of the items below for an overview.
Please make note of your Vista Bank routing number: 111314575
PRIOR TO NOVEMBER 10 l Please ensure you withdraw enough cash to get through conversion weekend. Your online and mobile banking will be down by 4pm on November 10 and should resume normal operation by end of day Tuesday, November 14.
Westwood Private Bank and Justin State Bank MasterCard debit cards will continue to work through the conversion weekend until Sunday evening, November 12. Vista Bank Visa Debit Card(s)®️ are being mailed end of October, and will be ready to activate and use Monday, November 13.
FIRST WEEK OF NOVEMBER l You should receive your new Vista Bank Visa Debit Card(s)®️ in a plain, unmarked envelope with activation instructions.
FRIDAY, NOVEMBER 10 l If you do not receive your new Vista Bank Visa Debit Card(s)®️, please visit your nearest Banking Center to have one printed on site or call 1-888-850-0833 for assistance.
SUNDAY, NOVEMBER 12 l Westwood Private Bank and Justin State Bank MasterCard debit cards will be inactive by end of day Sunday. Please cut up, shred, and discard any of these debit cards.
MONDAY, NOVEMBER 13 OR BEFORE l Update any ongoing automatic payments, such as subscriptions or memberships, that will post after November 13, to your new Vista Bank Visa Debit Card(s)®️.
MONDAY, NOVEMBER 13 l Call 1-866-633-5293 to activate your Vista Bank Visa Debit Card(s)®️ and select your new PIN. Begin using your new card.
Our standard daily limits are $1,500 for debit card transactions, while ATM transactions are capped at $500.
On Friday, November 10, beginning at 4:00 PM CT, Charis Online and Mobile Banking will no longer be available.
PRIOR TO 4:00 PM CT FRIDAY, NOVEMBER 10 | Bill Pay
Review and document at least the last 30 days of your bill pay history, including
important bill pay payee, scheduled payments or history information needed for your records. All bill payments scheduled to send out on or after November 13 will be transferred to the Vista Bank Bill Pay system. However, in the event a particular payee or payment is unable to be converted to the new system, we recommend having a record of the payment details on file.
As you schedule new bill payments that will post after November 13, please note that the system will display the ‘Send On’ date along with the ‘Estimated Delivery.’ You can adjust the ‘Send On’ date to ensure your payments arrive by the desired delivery date.
PRIOR TO 4:00 PM CT FRIDAY, NOVEMBER 10 | Transfers & Quickbooks
Review and document any important information about your recurring internal
and external transfers. Vista Bank will convert your scheduled transfers. However, in the event a particular transfer is unable to be scheduled we recommend having that information available so those transfers can be recreated.
If you use QuickBooks or Quicken, we suggest you download and update your transactions.
MONDAY, NOVEMBER 13 | Online Banking will be available.
For your first-time Vista Bank login, continue to use the same username and
password you used in your Charis Online Banking. The system will take you through the first-time login process and once completed you will be required to create a new password.
Please take a moment to double check any scheduled bill payments, internal
and external transfers to confirm they were migrated into your new profile as expected. These payments can be located under the Transactions menu. Notify us at 1-888-850-0833 if you note any irregularities.Please set your electronic document delivery within Vista Bank Online or Mobile Banking.
On Friday, November 10 beginning at 4:00 PM CT, the Charis Mobile Banking App will be disabled.
PRIOR TO 4:00 PM CT FRIDAY, NOVEMBER 10 | Ensure you have submitted desired Mobile Deposits prior to this time.
MONDAY, NOVEMBER 13 l Download the Vista Bank Mobile Banking App from your app store. If you have already gone through the first-time login on the Vista Bank website, use the same username and password that you established on the website. If this is your first time logging in, use the same username and password that you used on your Charis app. The app will walk your through the first-time login process and once completed you will be asked to establish a new password.
If you would like to set up Face ID or a passcode for your login, go to the Settings Menu then choose Security Preference.
NOVEMBER 13 l Delete the Charis Mobile Banking App from your device(s).
For personal accounts, you can continue to use your Charis Bank checks after conversion, though we recommend you start using your new Vista Bank checks you will receive in your “Welcome Pack” from Deluxe effective November 13. Clients that bring their old check stock to the nearest banking center can place an order for a free box of checks. After that, please order additional Vista Bank checks through your normal channels.
For all commercial clients, we recommend that between November 1 – 30, 2023, you call DELUXE toll-free at 1.800.503.8744 (Mon. – Fri. 6:00 AM – 10:00 PM CT, Sat. 8:00 AM – 4:30 PM CT) to place an order for new checks. Please provide them with your Charis account number, mention “Charis Bank” and the replacement promo code “5260-Vista” and you will receive $100 off your first order.
- If placing the order prior to 11/13/23, have your credit card ready for any balance due. After 11/13/23, the balance due can be billed to your Vista Bank account.
MONDAY, NOVEMBER 13 AND AFTER l Personal and business clients should begin using Vista Bank deposit slips.
24/7 Vista Telebank: 1-877-491-2265
NOVEMBER 10 l Charis iTalk will no longer be available.
NOVEMBER 13 l When accessing Vista Bank Voice Banking for the first time on or after Monday, November 13, you will be asked to enter your alternate access ID and PIN. Your alternate access ID is your date of birth and the last four digits of your social security number (MMDDYYYYSSSS). Your PIN is the last four digits of your social security number.
BEFORE NOVEMBER 10 l Though we expect estatements and records will transfer over as part of the conversion, we ask that you proactively download and save or print any historical estatements, forms, or other records in the event that those documents are not available immediately following conversion.
FRIDAY, NOVEMBER 10 l Your final Charis Bank statements will be mailed. All future statements will be processed as scheduled.
There will be no change to your safety deposit box, account number, interest rate, maturity date or any other terms of your account until renewal.
The terms and conditions of your current loan agreement will remain the same. Loan payments will continue to process as they have in the past.
NOVEMBER 13 and Forward l Please remit your mail-in loan payments to:
Vista Bank
P.O. Box 2100 Lubbock,
TX 79408
If you are currently a Charis Treasury Client, a Vista Bank Treasury Specialist will be reaching out to you well in advance of conversion to help transition your products and services over to the Vista Bank Treasury Service platform.
For our fee schedule, policies and procedures, please review our Account Agreements, Funds Availability Policy, Privacy Policy, and other related disclosures here.
For all commercial clients, we recommend that you call DELUXE toll-free at 1.800.503.8744 between November 1 – 30, 2023, to place an order for new checks. Please provide them with your Charis account number, mention “Charis Bank” and the replacement promo code “5260-Vista” and you will receive $100 off your first order.
If placing the order prior to 11/13/23, have your credit card ready for any balance due. After 11/13/23, the balance due can be billed to the client’s Vista Bank account.
On Monday, November 13, and beyond, please use Vista Bank deposit slips.
Do you utilize QuickBooks and Quicken for your business? Please make sure and backup your records no later than 4:00 pm CT, Friday, November 10. Then plan to reconnect your accounts after November 14.
*The following requirements will need to be met in each calendar month in order to receive 5.25% APY on balances up to $30,000. 20 debit card transactions of $5 or more, $1,000 minimum aggregate ACH/Direct Deposit requirement, and eStatements. Balances in excess of $30,000 receive .25% APY. If requirements are not met, a $4.99 monthly fee will be assessed and the account will earn .05% APY. APY is Annual Percentage Yield and it is subject to change without notice. APY accurate as of September 1, 2023. Fees may reduce the earnings on the account. P2P transactions do not count toward the minimum monthly transactions. Account is for consumers only.
