Vista Bank


Overview / Commentary
806-253-2511
5840 West Northwest Highway
Dallas, TX 75225

Vista Bank is headquartered in Dallas and is the 71st largest bank in the state of Texas. It is also the 819th largest bank in the nation. It was established in 1912 and as of June of 2020, it had grown to 152 employees at 21 locations. Vista Bank has an A health rating.

Reviews (3)

30 Debits Is A Lot Of Debits

Posted by: |

I have been using Visa Bank since the first of the year and elected the VistaSmart Checking which requires 30 debits and 2 ACH transactions per month to receive their highest interest rate which is 3.51% on a max of $30K. Boy, was it a hassle to meet those requirements so I decided to quit and just keep their Horizon Checking account. When I called the branch in Austin to change, I inadvertently called one day before the qualification period ended and did not receive my last month's interest. I wrote to the bank and they credited me with the missing interest. That was nice and saved me from losing nearly $80.

Good Bank With High Rate Of Interest To 30K

Posted by: |

Bank recently lowered their rate to 2.5%, which is still one of the highest rates in the current market conditions.

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I've received the 3.51% rate as advertised every month. The mobile app is clean. The website needs a cleaner look, but it is functional.

The 3.51% interest you must do those 30 transactions and other requirements or there will be a $4.99 fee.

I'm unsure of the free checks for this account from a customer service representative response, but another customer stated you do get free checks in one of their replies to my review.

Great Bank With Great Interest Rates Up To $30K

Posted by: |

Vista Bank is a long way from where I live, but I was able to open an account without having to drive to the bank. Susie was very helpful in emailing me all the necessary documents and forms needed to open my account. While it does require 30 Debit card transactions per month to receive the 3.51% interest it was not a big issue for me.

The only complaint I have is that your account must be open for 90 days before you can use the Mobile Check Deposit feature....that was never mentioned? The mobile app will simply say that you have no accounts eligible for mobile deposits.



Health

Health Grade Components

Overall
FDIC Certificate #1210
Year Established1912
Employees152
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD12.36%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.12B$810.7MM
LoansQ2 2020vs Q2 2019$832.1MM$642.9MM
DepositsQ2 2020vs Q2 2019$867.5MM$702.3MM
Equity CapitalQ2 2020vs Q2 2019$90.3MM$82.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$8.8MM$6.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$801.00K$1.5MM
Real Estate OwnedQ2 2020vs Q2 2019$349.00K$366.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Vista Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vista Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Vista Savings Account

Vista Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$1m*-Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k | 0.15% $100k - $250k | 0.17% $250k - $1m

Vista Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.49%*-$30kVistaSmart Checking
OTHER TIERS: 0.25% $30k+
1.49%*-$30kVista Checking
OTHER TIERS: 0.25% $30k+
Locations

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