VistaSmart Checking

Get more with our high interest
rate checking account.

VistaSmart Checking, Earn 3.51% APY*

Get more from your checking account with high interest rate checking.

VistaSmart Checking is a high interest rate checking account designed to give you more! Earn interest with our highest interest rate, enjoy cell phone protection, and travel with peace-of-mind with roadside assistance. There are no minimum balance requirements and no maintenance fees, plus get a .25% per annum interest rate discount on consumer loans as a VistaSmart Checking customer.

Wherever life takes you, VistaSmart Checking has you covered.

3.51% APY*
Earn interest with our very best rate with VistaSmart Checking, a high interest checking account. It’s more than just a checking account.
Anywhere banking
Anywhere Banking Tools
We have the technology you need. Enjoy online banking, mobile banking, bill pay, and e-statements for free with VistaSmart Checking.
BaZing Savings
Shop local and save local with BaZing. With discounts at local and national retailers you can save money on shopping, dining, travel, and more.
Cell phone
Cell Phone Protection1,2
Receive up to $200 per claim ($400 per year), if your cell phone is broken or stolen.
Roadside Assistance
Roadside Assistance
With VistaSmart Checking, roadside assistance is available to you 24/7 for only $64.95 per occurrence.
Identity Theft

Identity Theft Protection 1,2
With Identity Theft Protection we’ve got you covered. Includes payment card protection, $2,500 in personal identity protection and identity theft aid.


Pharmacy, Vision, & Hearing Savings
Save money on prescriptions, eye exams, frames, lenses, and hearing services with VistaSmart Checking.

$5,000 Travel Accidental Death2
With VistaSmart Checking you have peace of mind for the unexpected.
 Monthly Requirements
– 30 debit card transactions
– 2 ACH or direct deposit transactions
– e-Statement
– $4.99 fee waived when
monthly requirements are met
Debit card
Mobile banking app

Free online and
mobile banking.

Paper airplane



Free Telebanking

Interest Rate

Balance Requirement to Acquire Desired Interest Rate Interest Rate  Annual Percentage Yield
VistaSmart Checking <$30,000* 3.46% 3.51%
VistaSmart Checking >$30,000* 0.50% 0.50%

*All qualifications set forth in the Deposit Agreement and Disclosure must be met to obtain the listed rate on all VistaSmart Accounts. If not, the interest rate paid will be lower. At our discretion, we may change the Interest Rate and APY on the account at any time. Penalties and fees could reduce the earnings on the account.

Requirements – $4.99 Monthly Fee if Requirements Not Met

  • $100 minimum to open
  • To Earn Higher Rate and Avoid Monthly Fee: 2 Minimum Direct Deposit or ACH transaction
  • To Earn Higher Rate and Avoid Monthly Fee: 30 Minimum Debit Card Transactions a Month
  • To Earn Higher Rate and Avoid Monthly Fee: e-Statements Required
Account Features and Benefits
  • Roadside Assistance
  • Cell Phone Protection
  • Free Checks, Money Orders and Cashier’s Checks
  • BaZing Benefits; Save on travel, dining, recreation and prescriptions.
  • $5,000 Travel Accidental Death Insurance
  • $2,500 Personal Identity Protection
  • Identity Theft Aid: Expert Restoration; Document Protection; Prevention Advice During Life Event Changes
  • ID Theft – Restoration and Recovery
  • ATM fees refunded nationwide, up to $25 (if all requirements pertaining to this account are met)
  • Refund Foreign ATM Fees (Max $25)
  • Free Online Banking
  • Free Online Bill Pay
  • Free E-Statements
  • Free Debit Card
  • Free Checks
  • Free Mobile Banking
  • Free Mobile App
Powered by BaZing

VistaSmart Checking accounts are powered by BaZing. By downloading the free app you’ll have immediate access to the following cash saving features:

  • special deals for local shopping & entertainment
  • 24/7 roadside assistance
  • a turn-by-turn navigation system to find participating retailers
  • health savings
  • cell phone protection
  • plus, a savings calculator that shows the money you save

The following requirements will need to be met in each qualification cycle in order to receive 3.51% APY on balances up to $30,000: 30 debit card transactions, 2 direct deposits or ACH transactions, and e-statement. Balances in excess of $30,000 receive .50% APY. Qualification Cycle means a period beginning one business day prior to the first of the current statement cycle through one business day prior to the close of the current statement cycle. 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.

*APY as of December 15, 2015

  1. Cell phone protection and personal identity protection are subject to additional terms and conditions.
  2. Insurance products are: Not a deposit. Not FDIC Insured. Not Insured by Any Federal Government Agency. Not Guaranteed by the Bank.

Ready to open an account? Click here.

Visit any of our convenient locations or call us for more information.