Vista Checking

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Vista Checking

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

Vista Checking is for anyone looking to capitalize on higher balances from personal checking accounts. It’s our highest interest bearing personal checking account. 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.

Interest Rate

Balance Requirement to Acquire Desired Interest Rate Interest Rate  Annual Percentage Yield
Vista Checking <$30,000* 2.48% 2.51%
Vista 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 Vista Smart 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.


  • $100 minimum to open
  • To Earn Higher Rate: 1 Minimum Direct Deposit or ACH transaction
  • To Earn Higher Rate: 15 Minimum Debit Card Transactions a Month
  • To Earn Higher Rate: e-Statement required

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 E-Statements
  • Free Debit Card
  • 1st Box of Checks is Free
  • Free Mobile Banking
  • Free Mobile App

The requirements will need to be met in each qualification cycle in order to receive 2.51% APY on balances up to $30,000: 15 debit card transactions, 1 direct deposit 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.

Want to compare our personal checking accounts?

See our comparison chart by clicking here.