VistaSmart Checking

Make Your Move to 2.49% APY*


Free Online & Mobile Banking


Free eStatements


Free Telebanking

VistaSmart Checking

A high interest rate checking account designed to give you more! Earn interest with our highest interest rate. There are no minimum balance requirements and no monthly fees when requirements are met**, 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.


*APY as of April 28, 2023

**The following requirements will need to be met in each calendar month in order to receive 2.49% APY on balances up to $30,000. 30 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, 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. P2P transactions do not count toward the minimum monthly transactions. Account is for consumers only. 

***Discount available if auto-draft is set up on consumer loan.

Account features and benefits:

  • Free cashier checks
  • ATM fees refunded nationwide, up to $25 (if all requirements pertaining to this account are met)
  • Free online banking
  • Free online bill pay
  • Free eStatements
  • Free debit card
  • Free mobile banking


  • 30 debit card transactions of $5 or more
  • $1,000 minimum aggregate ACH / direct deposit requirement
  • eStatement

What Our Clients Are Saying About Us

I bless God for you this day. Thank you!