VistaSmart Checking is a high interest rate checking account designed to give you more! Earn interest with our highest interest rate, enjoy cell phone protection, and travel with peace-of-mind with roadside assistance. 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 1, 2020
**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, 2 direct deposits or ACH transactions, 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 personal accounts only.
***Discount available if auto-draft is set up on consumer loan.

Requirements

• $100 minimum to open

• To earn higher rate and avoid $4.99 monthly fee you must:

  • Have 2 minimum direct deposit or ACH transaction per month;

• Have 30 minimum debit card transactions per month;

• And receive eStatements

Account Features and Benefits

• Free checks, money orders, and cashier’s checks

• ATM fees refunded nationwide, up to $25 (if all requirements pertaining to this account are met)

• Refund foreign ATM fees (max $25 monthly)

• Free Online Banking

• Free Online Bill Pay

• Free eStatements

• Free debit card

• Free checks

• Free Mobile Banking

Interest Rate

APY is as of April 1, 2020

I bless God for you this day. Thank you!

- Jacque