Checking Accounts

Our checking accounts have been customized to accommodate your lifestyle. If you need to speak with someone regarding our checking accounts please call the branch location nearest you.

Once you have decided on an account you may click on the forms link and download the checking account application. You will need to bring the completed application into the bank along with your social security card, drivers license, and opening deposit if applicable.  

Please note, the personal information you provide will need to be verified in one of our branches before the account can be approved and opened. 

View Checking ∙ View Form

Account Features & Requirements

  • .25% per annum interest rate discount on consumer loans1
  • First order of Vista Bank stock checks free
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • 6 months free Identity Guard® 

  • $100 minimum to open; no minimum balance

Horizon Checking ∙ View Form

Account Features & Requirements

  • .25% per annum interest rate discount on consumer loans1
  • Check images returned with statement
  • First order of Vista Bank stock checks free
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • 6 months free Identity Guard®
  • $100 minimum to open; $8 monthly service fee applies per each statement cycle that balance falls below $800

Horizon Senior Checking ∙ View Form

Account Features & Requirements

Click here to register for your membership headquarters savings. 

  • .25% per annum interest rate discount on consumer loans1
  • Check images returned with statement
  • First order of Vista Bank stock checks free
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • $5,000 travel accidental death insurance
  • Member card benefits; travel, entertainment, shopping, and dining discounts
  • Payment card protection and $1,000 identity theft protection
  • 6 months free Identity Guard®
  • Must be at least 55 years of age
  • $100 minimum to open

Horizon Interest Checking ∙ View Form

Account Features & Requirements

Interest bearing account; paid monthly

  • .25% per annum interest rate discount on consumer loans1
  • Check images returned with statement
  • First order of Vista Bank stock checks free
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • 6 months free Identity Guard®
  • $1,500 minimum to open; $10 monthly service fee applies per each statement cycle that balance falls below $1,500

VistaSmart Checking ∙ View Form

Account Features & Requirements

Click here to register for your membership headquarter savings. 

  • Superior interest rate on all balances up to $30,000, a lesser but competitive rate on balances over $30,000*
  • .25% per annum interest rate discount on consumer loans1
  • Payment card protection and $2,500 identity theft protection
  • 6 months free Identity Guard®
  • ATM fees refunded nationwide, up to $25(per month)2
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • $5,000 travel accidental death insurance
  • Free checks, money orders and cashier’s checks
  • Member card benefits; save on travel, dining, recreation and prescriptions
  • $100 minimum to open; no minimum balance; $4.99 monthly  service fee applies if monthly requirements are not met
  • E-statement required
  • 30 minimum debit card transactions per month
  • 2 minimum direct deposits or ACH transactions

Vista Checking ∙ View Form

Account Features & Requirements

  • High interest rate on all balances up to $30,000,a lesser but competitive interest rate on balances over $30,000*
  • .25% per annum interest rate discount on consumer loans1
  • First order of Vista Bank stock checks free
  • Payment card protection and $1,000 identity theft protection
  • 6 months free Identity Guard®
  • ATM fees refunded nationwide, up to $252
  • VISA® Check Card with no annual fee3
  • Security Blanket overdraft protection4
  • Unlimited Check Writing
  • $100 minimum to open; no minimum balance; no monthly fee
  • E-statement required
  • 15 minimum debit card transactions per month
  • 1 minimum direct deposit or ACH transaction

Money Market Account ∙ View Form

Account Features & Requirements

  • Tiered interest bearing account; paid monthly
  • .25% per annum interest rate discount on consumer loans1
  • Check images returned with statement
  • Security Blanket overdraft protection4
  • 6 months free Identity Guard®
  • $2,500 minimum to open; $10 monthly service fee applies per each statement cycle that balance falls below $2,500
  • Some transaction limitations apply5

1 Interest rate discounted if loan is paid by automatic draft.
2 If all requirements pertaining to that account are met.
3 Subject to approval.
4 Subject to approval; $25.00 fee assessed each overdraft on checking, ATM, internet, telephone and electronic transactions; items are paid at bank’s discretion.
5 Refer to Deposit Account Agreement or Fee Schedule.
6 Security Blanket is not a line of credit
*If all requirements are not met, a nominal interest rate will be earned