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.

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.

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.

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.

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