Checking

 

Compare the different VIST checking accounts to find the best fit for you. 

Free Checking

Best Fit: If you want FREE checking pure and simple

  • Free checking
  • No minimum balance required
  • No monthly maintenance fees
  • Unlimited check writing, and, for your convenience, we’ll store your canceled checks.
  • 24-hour access is available through a VISA® CheckCard or ATM Card, Automated Telephone Banking, and Web Banking.

 

Classic Free Checking

Best Fit: If you are age 62 and older

  • Offers all the advantages of Free Checking, plus it provides free basic checks as well.
  • No minimum balance requirements
  • No monthly service fee
  • Unlimited check writing
  • 24-hour access available through a VISA® CheckCard or ATM Card, Automated Telephone Banking and Web Banking.

 

Interest Checking

Best Fit: If you are looking to earn a competitive rate of interest

  •  Earn a competitive rate of interest on balances greater than $1,000
  • Unlimited check writing capabilities
  • 24-hour access available through a VISA® Check Card or ATM Card, Automated Telephone Banking and Web Banking.
  • This account requires a daily balance of $1,000 or greater to avoid the monthly maintenance fee.
  • Daily balance below $1,000: $5 service fee with check safekeeping; $7 service fee with Imaged Checks
  • Rates are subject to change. Fees may reduce earnings on the account.

 

Interest Checking Rates:

Interest Rate Annual Percentage Yield (APY) Balance
0.00% 0.00% Below $1,000.00
0.25% 0.25% Above $1,000.00

 Last Update:  on Mon, Nov. 17, 2008

Rates subject to change.  Fees may reduce earnings on the account

 

Capital Growth Checking

Best Fit: If you want the freedom of checking and the return of a high yield money market—all in one account. 

  • Offers multiple tiers of interest, giving you the ability to earn higher returns as balance increases
  • High yields without managing multiple accounts
  • Unlimited check writing
  • Unlimited number of transactions
  • First order of standard wallet style checks is free with a $10,000 NEW Money* deposit. (New Money is defined as money not held at VIST.)
  • This account requires a $10,000 minimum balance to open account
  • Subject to a $12.00 fee if account falls below the $10,000 minimum daily balance on any day in the statement cycle.

 

Open a Capital Growth checking account and enjoy these FREE key features:

  • VISA® Check Card
  • Unlimited VIST ATM usage
  • 24-hour Automated Telephone Banking
  • Web Banking
  • Bill Pay
  • E-Statement
  • Check Imaging or Check Safekeeping

 

Capital Growth Checking Rates:

Balance Tier

 Rate

Annual Percentage Yield
(APY)
$0 - $9,999.99 .250% .250%
 
$10,000 - $24,999.99 0.750% 0.750%
 
$25,000 - $49,999.99 1.736% 1.750%
 
$50,000 - $99,999.99 2.227% 2.250%
 
$100,000 - $249,999.99 2.325% 2.350%
 

$250,000 - $999,999.99

 2.374% 2.400%
 
$1,000,000 - $2,499,999.99 2.423% 2.450%
 
$2,500,000 + 2.472% 2.500%

 

Last Update:  on Mon, Nov. 17, 2008

Rates are subject to change.  Fess may reduce earnings on the account.

 

Horizon Money Fund

Best Fit: If you want extra earning power

  • Offers multiple tiers of interest, giving you the ability to earn higher returns as balance increases
  • 24-hour access available through an ATM with the ATM Card, Automated Telephone Banking, and Web Banking.
  • Unlimited deposits and withdrawals in person or by mail
  • This account requires a $1,500 minimum balance to earn interest.
  • $2 fee with check images

 

Horizon Money Fund Rates:

Balance Tier Interest Rate Annual Percentage
Yield (APY)
$0 - $1,499.99 0.00% 0.00%
 
$1,500 - $4,999.99 0.995% 1.00%
 
$5,000 - $24,999.99 1.094% 1.10%
 
$25,000 - $49,999.99 1.342% 1.35%
 
$50,000 - $99,999.99 1.539% 1.55%
 
$100,000 - $249,999.99 2.129% 2.15%
 
$250,000 + 2.276% 2.30%

 Last Update: on Mon, Nov. 17,  2008

Rates are subject to change.  Fees may reduce earnings on the account