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Checking & Savings
No matter how you manage your finances, we have a solution that's right for you.
Accounts that fit your everyday needs
No matter what you're looking for in a checking account, we have a solution that's right for you. With convenient features like online and mobile banking, mobile check deposit, Zelle®, and a Visa® debit card, banking with us has never been easier.
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Advantage
CheckingA high-yield checking account that works as hard as you do.
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Savings
Reach your financial goals and create a safety net with our savings accounts.
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Money
Market & CDsGrow your money faster with interest-earning capabilities.
Features & Benefits
Type of Account
Advantage Checking
Earn competitive interest on your everyday balance—while enjoying the flexibility of a checking account.
Account Details
Market Leading Interest
4.33% APY**
On balances up to $35,000
Balances above $35,000 earn 0.25% APY**
Easy to earn each statement cycle
- Use Online Statements
- Make $1,000 in deposits
- OR -
Keep a $1,000 minimum daily balance - Make 20+ debit card purchases
Minimum to Open
$100
Monthly Service Charge
$10
Easy to Avoid the Monthly Service Charge
Simply use online statements
AND
have deposits totaling $1,000 or more each statement cycle
OR
Maintain a $1,000 minimum balance per statement cycle
Type of Account
Everyday Checking
Designed for clients who primarily bank online or through our mobile app.
Account Details
Minimum to Open
$100
($25 if account is opened online OR be 25 years of age and under, or over 65 years of age and older)
Monthly Service Charge
$8
How Do I Avoid the Monthly Service Charge?
HOW DO I AVOID THE MONTHLY SERVICE CHARGE?
Simply have deposits totaling $500 or more each statement cycle into your Everyday Checking account
OR
Be 25 years of age or under
OR
Be 65 years of age or older
Online Statement Fee
No
Is there a paper statement fee?
Paper Statements are $3 per statement cycle if under 65 years of age.
Earn Interest
No
Type of Account
Everyday Savings1
Tiered interest rate account with unlimited withdrawals or transfers.
Account Details
Minimum to Open
$25
Monthly Service Charge
$5
How Do I Avoid the Monthly Service Charge?
HOW DO I AVOID THE MONTHLY SERVICE CHARGE?
Have an Everyday Checking account OR
Maintain a minimum daily balance of $500 or more each statement cycle OR
Be under the age of 25 OR over the age of 65
Online Statement Fee
No
Is there a paper statement fee?
Paper Statements are $3 per statement cycle if under 65 years of age.
Earn Interest
Yes
Deposit your paycheck faster
Deposit your paycheck or other recurring deposits straight into your checking account. It’s safer than paper checks, it’s fast and it’s convenient. Complete this direct deposit form and deliver it to your employer or payroll provider.
FAQs
Overdraft Privilege* comes with eligible accounts as part of our standard overdraft practices. Visit our Overdraft Protection page for more information.
Direct deposit is not only fast and convenient. It’s also safer than paper checks. To set it up, simply fill out this form and deliver it to your employer or payroll provider.
Vista Bank combines technology to make banking simple with local expertise to offer you 1:1 service. As your neighbors, we share a passion to do more for our communities. Strengthening our communities means investing in you. When you have a question, real people are here to help.
- Visit a Vista Bank location or open an account online.
- Gather information like account numbers and routing numbers from your old bank.
- Switch all direct deposits and automatic payments to your new Vista Bank account.
- Transfer funds from your old account to your new Vista Bank account once you’re sure all direct deposits and automatic payments have been transferred. You can do this quickest through an ACH (online) transfer, or you can use a cashier’s or personal check.
- Once the transfer clears, close your old account.
*4.33% Annual Percentage Yield (APY) on balances up to $35,000 per statement cycle when all of the following conditions are met: 1) Enrolled in online statements 2) Have at least a $1,000 minimum daily balance per statement cycle 3) Make at least 20 posted debit card purchases per statement cycle. Balances above $35,000 earn 0.25% APY. Eligibility for the higher interest rate tier is determined based on account activity and balances from the preceding statement cycle. The Bank evaluates account qualification criteria three (3) business days prior to the end of each statement period. Accounts meeting all required criteria at the time of evaluation will qualify for the higher interest rate tier for the subsequent statement cycle. Accounts that do not meet the criteria will be assigned to the lower interest rate tier and will remain in that tier until qualification criteria are satisfied at a subsequent evaluation. If conditions are not met, the entire balance in the account earns 0.05% APY per statement cycle. Rate is subject to change after account opening and without notice. Account fees may reduce earnings. Minimum balance to open account is $100. To avoid the $10 monthly service charge, you must (1) receive cleared deposits totaling $1,000 or more for each statement cycle, OR maintain a minimum daily balance of $1,000 or more each statement cycle and each statement cycle thereafter.
1Please refer to the Electronic Funds Transfer Agreement and Disclosure for a definition of pre-authorized debits.