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We’ve got you covered! With the recent events impacting the financial industry, we understand you may have questions, and even concerns, about the safety of your own deposits. First, you can rest assured that as a DIF Member Bank, all deposits with MountainOne are fully insured in excess of existing FDIC coverage. Still feeling unsure? Don’t fret! Our Mountaineers are here to guide you through any uncertainty. It’s in our nature! Learn more.

Personal Checking

When it comes to banking, we're in our element


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 Checking2 account earns interest, comes with unlimited ATM rebates1 so you can use any ATM you choose for free, and even includes comprehensive identity theft protection 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. 

Mobile Check Deposit

Mobile banking uses the same login as Online Banking and neither check images nor personal information is stored on your device.

Debit Card

With a debit card, you can make cash withdrawals, make purchases online or in stores, and make recurring payments.

Online & Mobile Banking

With online and mobile banking you can check your account balances, make a deposit, and transfer funds – all when it’s most convenient for you.


Help keep yourself and your family safe from fraud or loss. MountainOne Bank’s identity theft protection gives you important tools you need to safeguard your identity, and help you recover should you become a victim of identity theft.

Apple Pay

Use Apple Pay™ and your favorite Visa® debit card to pay the easy, secure and private way at hundreds of thousands of stores and participating apps.

Horizon eChecking Pinnacle Value CheckingVISTA Premier Checking2
Ideal ForA simple, no-frills account, perfect for a student or your first checking account.An account with extra perks, including IDProtect® 3 and ATM rebates.Our Premier account; maintain a higher balance and get rewarded by earning interest and enjoying extra account benefits.
ATM FeesNo4No, surcharge rebates up to $20/month1No, unlimited surcharge rebates1
Earns InterestNoNoYes (see rates)
Monthly maintenance feeNone$4.95None with $2,500 combined balance5
Minimum Opening Deposit$25$25$50
Paper Statements$5 per month (free eStatements)FreeFree

IDProtect® 3

Data breaches have affected millions of people, potentially exposing their personal information to identity thieves. You can help protect yourself – and your identity – from future data breaches with a VISTA Premier Checking1 or Pinnacle Value Checking2 account from MountainOne Bank.

  • Daily monitoring of your credit files
  • Credit reports every 90 days
  • Monitoring of your identity on over 1,000 databases
  • Identity Theft Reimbursement Coverage up to $10,0004
  • Fraud Resolution Specialists
  • Replace all your cards with a single call

Online & Mobile Banking

Simply open an account with us, and all the valuable features of our online and mobile banking are yours. Bank on your terms with the freedom to take care of your finances on your schedule and on the go.

  • Mobile Check Deposit
  • Pay a Person
  • Card Controls via Mobile App
  • Account & Debit Alerts
  • Click to Pay

1MountainOne Bank does not charge foreign ATM fees, but other institutions may assess a surcharge. Surcharges rebate applied at end of 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.

3Some Benefits require registration/activation. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner 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 service charge.