With each of our checking accounts, value comes standard. 

Our checking accounts are just another way we bring value to your life every day by helping you manage your finances on your terms. All our accounts come fully loaded with convenient, easy-to-use online and mobile banking features such as mobile deposit, person-to-person payments and debit card on/off.

For some additional perks, our VISTA Premier Checking account earns interest, comes with unlimited ATM rebates1 so you can use any ATM you choose for free, and even includes a complete ID theft protection service that helps prevent fraud and recover your identity.

The table below shows complete details and options available with each Checking account.

Find the account perfect for you. 


Horizon eChecking

A simple, no-frills account, perfect for a first checking account. This is a great account for Students!

Pinnacle Value Checking

An account with extra perks, including IDProtect3 and ATM rebates. 

VISTA Premier Checking2

Our top account; maintain a higher balance and get rewarded by earning interest and enjoying extra account benefits.

IDProtect3 No YES YES
ATM Fee Reimbursement No4 YES, with surcharge rebates up to $20/month1 YES, with unlimited surcharge rebates1
Earns Interest No No Yes (see rates)
Monthly Maintenance Fee None $4.95 None with $2,500 combined balance5
Minimum Opening Deposit $25 $25 $50
Paper Statements $5
(free eStatements)
Free Free

All accounts come with a free debit card and online & mobile banking.


1MountainOne Bank does not charge foreign ATM fees. Fee (surcharge) rebate applied at end of the month.

2Both 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.

3IDProtect® 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.

4MountainOne Bank does not charge foreign ATM fees, but other institutions may assess a surcharge.

5Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee.