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.
$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
Free Online Bill Pay
Free debit card
Free Mobile Banking
APY is as of April 1, 2020
I bless God for you this day. Thank you!