Make Your Move to 2.49% APY*

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Free online & mobile banking

Free eStatements

Free Telebanking





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

Account Features and Benefits

  • Free checks and cashier’s 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 checks

  • Free Mobile Banking

Interest Rate


VistaSmart Interest Rates Chat

APY is as of April 1, 2020

I bless God for you this day. Thank you!

- Jacque