Online Account Opening

Accounts and Rates

Opening accounts with us has never been easier. Now you can open accounts online from the comfort of your home. Get started now, or continue learning about our different accounts that can be opened online.

Personal Checking Accounts

 

VistaSmart Checking – 3.51 % APY*

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. $100 minimum deposit to open.

*To learn more about this account and the requirements, click here.

Vista Checking – 2.51% APY*

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 maintenance fees. Get a .25% per annum interest rate discount on consumer loans. $100 minimum deposit to open.

*To learn more about this account and the requirements, click here.

View Checking

If you’re looking for a free, simple personal checking account, View Checking is for you. We offer this personal banking account to give you the info you need, wherever and whenever you need it. You’ll have access to online banking features and our smart mobile app. Best of all there are no monthly fees and no minimum balance. It’s a personal banking solution to meet your needs. As a View Personal Checking Account holder, you can also get a .25% per annum interest rate discount on consumer loans. $100 minimum deposit to open. Learn More.

Horizon Checking

Our Horizon Checking account is perfect for anyone who enjoys the benefits of writing a physical check. With this account, you can see your check images every month when you get your statement. This handy feature is great for detailed record keeping and accounting purposes. Get a .25% per annum interest rate discount on consumer loans. $100 minimum to open; $8 minimum balance fee applies per each statement cycle that balance falls below $800. Learn More.

Money Market Account

Our Money Market account is a tiered interest bearing account; paid monthly. Scroll down and see our tiered rates on the chart below. Get a .25% per annum interest rate discount on consumer loans. $2,500 minimum to open; $10 minimum balance fee applies per each statement cycle that balance falls below $2,500. Learn More.

Vista Savings

Need a simple, interest-bearing personal savings account? Vista Savings has you covered. Start saving for your future today. A Vista Savings account is easy to maintain with a low minimum and pays interest! $100 minimum to open. Learn More

Personal 1 Year CD

A CD is a great way to set money aside and watch it grow. Help build your wealth and meet your savings goals with a CD. A certificate of deposit (CD) is a time deposit in which you commit a specific amount of money for a specific period of time. Vista Bank will pay you a set interest rate and when it matures, you can withdraw your money, including interest, or renew your deposit for another term. $1,000 minimum opening deposit. See interest rates on the chart below. Learn More.

 

Business Checking Accounts

Please note, Business accounts may only be opened online by those who live within the United States.

View Business Checking

Whether you own a well-established medium to large sized business, or a small business just getting started, View Business Checking is a great account option to help you manage your finances. With the financial products and services you need, your business can focus on growth. $100 minimum to open and no minimum balance required. $5 Monthly maintenance fee applies. Up to 50 checks or other debits paid per month; $0.50 fee per debit after 50. Get unlimited deposits and unlimited deposited items. Learn More.

Horizon Business Checking

See what makes Vista Bank the best bank for business checking. Our Horizon Business checking accounts have been customized to accommodate the way you do business. $100 minimum to open. $1,000 minimum balance required. Monthly Maintenance Fee of $10 per month applies if the balance falls below $1,000. Up to 150 checks or other debits paid per month; $0.25 fee per debit after 150. Unlimited deposits and unlimited deposit items. Learn More

Business Money Market Account

Our Business Money Market account has been tailored to accommodate the way you do business. It’s a great way to capitalize on your banking balances. It is an interest bearing account; paid monthly. $2,500 minimum to open. $2,500 minimum balance requirement. Monthly maintenance fee of $10 applies if balance falls below $2,500. Limited to 6 debit transactions per month; limits not applicable to transactions made in person, through ATMs, by mail or by messenger. Unlimited deposits and unlimited deposit items. Learn More.

Account Rates

Account Name Balance Requirement to Acquire Desired Interest Rate Interest Rate APY
Vista Smart Checking up to $30,000 3.46% 3.51%
> $30,000 0.50% 0.50%
Vista Checking up to $30,000 2.48% 2.51%
> $30,000 0.50% 0.50%
View Checking None None
Horizon Checking None None
Money Market Account < $24,999.99 0.05% 0.05%
$25,000 to $99,999.99 0.15% 0.15%
$100,000 to $249,999 0.25% 0.25%
$250,000 to $499,999 0.40% 0.40%
$500,000 to $999,999.99 0.60% 0.60%
 $1,000,000 or greater 1.00% 1.00%
View Business Checking None None
Horizon Business Checking None None
Business Money Market < $24,999.99 0.05% 0.05%
$25,000 to $99,999.99 0.15% 0.15%
$100,000 or greater 0.25% 0.25%
Vista Savings 0.05% 0.05%
Personal 1 Year CD Regular ($1,000 – $100,000) 0.35% 0.35%
Jumbo ($100,000 and over) 0.45% 0.45%