Vista Bank

Overview / Commentary
5840 W. Northwest Highway
Dallas, TX 75225

Vista Bank is headquartered in DALLAS and is the 50th largest bank in the state of Texas. It is also the 521st largest bank in the nation. It was established in 1912 and as of December of 2023, it had grown to 221 employees at 23 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 from 3.51% to 2.5%, which is still one of the highest rates in the current market conditions.

They overhauled their mobile and website design in July/2020. Much cleaner design and very functional to use.

It is one of my favorite banks with high interest. You do have to complete 30 debit transactions as part of the requirements to avoid a $4.99 monthly fee.

The bank also offers another checking with lower monthly requirements and it has no monthly fee. I have switched back and forth depending on my situation without issues.

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 Grade Components

FDIC Certificate #1210
Year Established1912
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD12.7%
Annual Interest Income$115.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.25B$1.56B
LoansQ4 2023vs Q4 2022$1.53B$1.17B
DepositsQ4 2023vs Q4 2022$1.97B$1.36B
Equity CapitalQ4 2023vs Q4 2022$234MM$172.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$18.9MM$14.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$648K$2.1MM
Real Estate OwnedQ4 2023vs Q4 2022$192K$176K
Skip to rates for:
Report an Issue

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

0.15%--Vista Savings Account

Vista Bank Checking Account Rates

5.25%*-$30kVistaSmart Checking
OTHER TIERS: 0.25% $30k+
1.49%*-$30kVista Checking
OTHER TIERS: 0.25% $30k+


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.