VistaSmart Checking

Make Your Move to 5.25% APY*


Free Online & Mobile Banking


Free eStatements


Free Telebanking

VistaSMART Checking

Financial freedom is within reach with a 5.25% APY* VistaSMART Checking Account from Vista Bank. That’s right, a checking account with a rate you’d expect with a CD from a Bank that shares your values. Can you say the same about the rate you get from your credit card or other banks? There are no minimum balance requirements and no $4.99 monthly fee when requirements are met**, plus get a .25% per annum interest rate discount*** on consumer loans as a VistaSMART Checking customer.

Be INTEREST-ING with a new VistaSMART Checking account!

*APY as of September 1, 2023 

***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 April 22, 2024. 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


  • 20 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!