Personal Checking Accounts
Financial products and services that fit your busy lifestyle.
People First Since 1912
Competitive accounts for every season of life.
From students to seniors, and low-fee to interest-bearing, Vista has created accounts with competitive terms to help you navigate your finances throughout your lifetime. Start here:
Compare checking account options in the chart below and see which one best serves your needs.
Choose the perfect account.
Open an account online or stop by the nearest banking center location with two forms of identification. (One must have a picture such as your driver’s license or passport)
|Products||Horizon Checking||Money Market||View Checking||Vista Checking||VistaSMART Checking||Aspire Checking||Senior Checking|
|Minimum Opening Balance||$100||$2,500||$100||$100||$100||$1||$100|
|Annual Percentage Yield||N/A||Go to Tiered Rates||N/A||1.49%**||5.25%***||N/A||1.15%|
|Monthly Debit Card Transactions Required To Earn High Rate||N/A||N/A||N/A||15||20||N/A||N/A|
|Monthly Aggregate ACH/Direct Deposits Required to Earn High Rate||N/A||N/A||N/A||$500||$1000||N/A||N/A|
|Free Checks||First Box Free||N/A||First Box Free||First Box Free||Free||N/A||Free|
*Fees applied if account requirements are not met
1 Fee may be waived with minimum $500 monthly ACH deposit
**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 of $5 or more, $500 aggregate ACH/Direct Deposit, 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 consumer accounts only.
***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.
Bank with confidence.
Whether spending or saving, you need products that keep up with your way of life. And you deserve best in class service to stand behind them. That’s banking with confidence. That’s People First.