Use ATMs anywhere FREE with VISTA Premier Checking and unlimited ATM fee rebates

It’s all about Value.

Value Banking means getting more than you expect from your bank. Like select checking accounts with ATM rebates, identity theft protection, and convenient services like Online and Mobile banking to help you access your money whenever and wherever you need it.

Our VISTA Premier Checking includes unlimited ATM rebates – meaning you can use ATMs anywhere, FREE! We don’t charge you to use other banks’ ATMs, and we’ll rebate any ATM surcharges from other banks.2

VISTA Premier Checking and Pinnacle Value Checking come with IDProtect®, which gives you the important tools you need to help safeguard your identity and help you recover should you become a victim of identity theft. 

IDProtect® includes:

  • Identity Theft Expense Reimbursement Coverage8
  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration*
  • 3-in-1 Credit File Monitoring* **
  • 3-in-1 Credit Report*
  • Total Identity Monitoring*
  • Online Theft News Center and Valuable Phone and Web Resources

*Registration/activation required (qualified accountholders use IDProtect® login credentials provided at account opening).
**Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.

Choose your account and Sign Up Today!
 

 

Horizon eChecking

Pinnacle Value Checking

VISTA Premier Checking1

ATMs

  We don’t charge you to use other banks’ ATMs. And we’ll rebate the other bank’s ATM surcharges, up to $20 per month.2 FREE ATMs
with Unlimited Surcharges Rebates
2
IDProtect® Identity Theft Protection Service7 No Yes Yes

Online Banking

Free Free Free

Online Bill Pay

Free Free Free

Mobile Banking

Free Free Free

Mobile Deposit

Free Free Free

Debit Card

Free Free Free
 

Use Apple Pay with your MountainOne Bank Visa debit card.
Click to learn more.

Earns Interest

No No Yes (for balances over $1)

Minimum Opening Deposit

$25 $25 $50

Monthly Maintenance Fee

None $4.95 Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee
Statements Free eStatements;
$5 for paper statements
Free Free

Other Benefits

  25% discount on Safe Deposit Box Rental3 25% discount on Safe Deposit Box Rental3

Free automatic transfers between VISTA accounts4

Special VISTA CD rates

To reorder checks click here.

 

1Both VISTA Premier Checking and VISTA Personal Money Market required to be opened together. Personal accounts only. Must be a resident of New England or New York State. 2We will not charge you to use other bank ATMs. Fee (surcharge) rebate applied at end of the month. 3Subject to availability. Safe deposit box rentals available in our North Adams and Williamstown branches only. 4Monthly Money Market transfer limits apply. Fees could reduce the earnings on the account.

7IDProtect® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. 8Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Value Banking is here to stay. Get your account with IDProtect® today!8

Call us at
855-444-MTN1 (6861)
or
open an account online today

Switch Kit

You can now use Apple Pay with your MountainOne Bank Visa debit card.

Click to learn more.

Making your debit card more secure with Chip Card technology.

> Click to learn more.

An important part of any financial strategy.

We believe that saving is an important part of a sound financial strategy. No matter what your financial goals may be, a savings or money market account means your money is safe, secure, and ready when you need it.

Savings and Money Market accounts are great for short-term savings goals. They allow you to accumulate funds that you’ll need easy access to, such as saving up for an emergency account or dream vacation. And, funds from Savings and Money Market accounts5 can be easily transferred to your MountainOne Bank Checking account, using Online, Mobile, or ATM Banking. Steady deposits are the best way to grow your balances. Ask your employer about direct deposits to your Savings or Money Market account, or set up automatic transfers yourself from your other accounts through Online Banking.

We offer three savings products that are fully covered with both FDIC and DIF insurance to protect your balances.

 

Pinnacle Savings

Pinnacle Money Market

VISTA Personal Money Market1

Earns Interest

Yes (for balances over $1)

Yes (for balances over $1)

Yes (for balances over $1)

ATMs

 

We don’t charge you to use other banks’ ATMs. And we’ll rebate the other bank’s ATM fees (surcharges), up to $20 per month.6

FREE ATMs
with Unlimited Surcharges Rebates6

Online Banking

Free

Free

Free

Online Bill Pay

No

Free

No

Mobile Banking

Free

Free

Free

Mobile Deposit

Free

Free

Free

Debit Card

No

Free

Free

Minimum Opening Deposit

$25

$50

$50

Monthly Maintenance Fee

None

None

Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee

5Monthly Money Market transfer limits apply. Fees could reduce the earnings on the account. 6We will not charge you to use other bank ATMs. Fee (surcharge) rebate applied at end of the month.

The expertise you need. The personal service you deserve. Experience the MountainOne Bank difference.

Call us at
855-444-MTN1 (6861)
or
open an account online today

CDs & IRAs

Now is a great time to take advantage of the power of compounding. Starting to save today is the easiest way to ensure a comfortable future.

Flexibility and security in one guaranteed investment.

If you’re looking for guaranteed earnings at a fixed rate, check out our many Certificate of Deposit (CD) options.

For your longer term savings goals, CDs are a great way to save money when you don’t need access to your funds right away.

Longer CD deposit time frames usually mean higher rates, but if you’re unsure whether you’ll need the money, you may want to consider “laddering” your CDs, which means splitting up your funds into different maturities. Ask us how this works – it’s a great way to maximize your earnings.

We offer a selection of maturities to suit your savings goals. CDs offer you principal protection and a locked-in rate with a predictable payout.

And, our CDs are secure no matter how large your investment. They’re FDIC insured up to the current FDIC limits, and by the DIF for any amount in excess of FDIC limits. Click for current rates.

Special CD Rates for VISTA customers! Ask us for details.

Individual Retirement Accounts (IRAs) to meet every need

Planning for your retirement? We can help. We have both the IRAs and professional guidance you need to ensure you’ll have a healthy nest egg when it’s time to retire.

Many financial experts estimate that you may need up to 85% of your pre-retirement income in retirement. An IRA can help you supplement your current savings in your employer-sponsored retirement plan, so you can accumulate the funds you’ll need. You should try to contribute the maximum amount to your IRA each year to get the most out of these savings. Click for current rates.

Allow us to help you create a savings strategy to best meet your goals.

Call us at
855-444-MTN1 (6861)
or
stop by one of our bank branches to open an account today!

24/7 Banking

We’re on a mission to help your financial world make sense. To do that, we proudly offer banking options that give you more confidence, clarity, and convenience. And best of all, they’re all free and available 24/7.

With Online Banking, you can easily:

  • view account balances
  • transfer funds between accounts or banks
  • make P2P (Person-to-Person) payments
  • find out if a check has cleared
  • open a new account
  • request a stop payment
  • view account histories
  • sort your transactions to find items by date or type
  • receive detailed account alerts

You can also easily set up alerts to your mobile phone, letting you know about your account activity, such as balance, deposits made, etc.

Online Banking is a quick and easy way to stay on top of your everyday banking. It brings your MountainOne Bank accounts right to you, wherever you are. Plus it’s free – sign up today!

Bill Pay

Forget the days of paying bills in person or even having to mail them. Now you can send a payment with one simple click.

Our free Bill Pay service allows you to set up all of your payees, including local companies and individuals. You can schedule bills to pay now, at a later date, or on a recurring basis. And, you can easily look up payment histories by payee or date. You can even schedule payments to charities, which helps you keep a record of your charitable giving.

Bill Pay also allows you to receive bills electronically, such as credit card and utility bills. You can set up alerts that notify you about payments made, bills received, and other activity. And, you’ll be able to select which of your MountainOne Bank transaction accounts to make payments from, and can easily change this selection if necessary.

Bill Pay is a simple, easy way to manage your monthly expense payments. Once you give it a try, you’ll wonder why you didn’t do it sooner. You’ll never go back to writing checks and addressing envelopes again.

Here’s how to get started:

  1. Log in to Online Banking
  2. Click “Bill Pay” and accept the disclosure
  3. Follow the prompts to start paying your bills online

Statements & Bills

Signing up to receive your monthly banking statements and bills (home equity line of credit only) electronically is not only kinder to the environment, it also cuts down on clutter in your house.

Electronic statements and bills give you easy online access to these documents any time you need them. It makes tax time so much easier, as your documents are right at your fingertips – no more searching through files or stacks of paperwork.

You’ll be able to view past statements to look up specific information quickly and easily, without making a trip to the bank or paying for research. You also have the option, if you prefer, to save all of your statements onto your own computer. And, you’ll be able to print out statements anytime you need them.

Here’s how to get started:

  1. Log in to Online Banking
  2. Under “Accounts,” click “eStatements”
  3. Follow the prompts to start viewing your Statements & Bills

Online Banking offers detailed "Help" on every screen. If you find you still need assistance, give us a call during business hours at 855.444.6861 (MTN1).

FAQs

Use your smartphone to do your banking!

Android App on Google playDownload on the App StoreYou’re busy; we get that. So, now you can bank and pay bills wherever you are, whenever you want, right through your smartphone. 

Mobile Banking brings the bank right to you:

  • view account balances
  • transfer funds between accounts or banks
  • pay a bill
  • make P2P (Person-to-Person) payments
  • turn your debit card on and off for security
  • request a stop payment
  • receive detailed account alerts

It’s the freedom to take care of your finances on your schedule. You can view your account balances, transfer funds between accounts, pay bills (if you’ve signed up for Bill Pay), review your online activity, find a branch or ATM location, and more. It’s secure, it’s convenient, and it’s easy. Oh, and it’s also free.

Once you have signed up for Online Banking, here’s how to get started:

  1. Sign up and login to Online Banking on a computer
  2. On your smartphone, search for and download the “MountainOne” app
  3. Log in to Mobile Banking using your Online Banking User ID & Password

Mobile Deposit

Deposit checks anytime, anywhere

Save time, gas, and the hassle of going to the branch to deposit checks. Now you can deposit checks whenever and wherever is convenient for you. You simply endorse the check and upload it to your account using your smartphone camera. You can even select which account you’d like it deposited into. The smartphone screen prompts in our Mobile Banking app guide you easily through the process.

By integrating check deposits within our Mobile Banking app, your mobile deposits are completely safe and secure. Mobile Banking uses the same login authentication as Online Banking. And, your check images and personal information are not stored on your device.

Mobile Deposit is quick and easy. Plus, depositing your checks sooner means you have access to your funds sooner. And, it’s free.

Here’s how to get started:

  1. Make sure you have enrolled in Online Banking on a computer
  2. On your smartphone, open the "MountainOne" app, click on “Deposit Check” and follow the login prompts
  3. Make sure to endorse the back of your check and write “Mobile Deposit Only” and account number below your signature and follow the prompts to complete the deposit

To learn more about Mobile deposit visit our frequently asked questions.