Vista Bank

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

Vista Bank is headquartered in Dallas and is the 68th largest bank in the state of Texas. It is also the 720th largest bank in the nation. It was established in 1912 and as of June of 2022, it had grown to 147 employees at 20 locations. Vista Bank has an A+ health rating.

Related Posts

Debit And ACH Requiremet Changes - 6/4/2022

I just now saw on their website VistaSmart account requirements are now 30 debit card transaction of $5 or more, $1,000 Minimum Aggregate ACH / Direct Deposit Requirement & eStatement. Debit charges on The Vista Smart account requirements are 15 card transactions of $5 or more, $500.00 Minimum Aggregate ACH / Direct Deposit & eStatement. Same number of debits required but now has to be min. of $5.00. There was no set amount on the ACH direct deposit before but as you can see, that changed too. I have already made several debit charges this month and my ACH deposit has already transacted along with an ACH payment to my CC. I was totally blindsided by this and glad I just happened to see it as I normally don't check these details. Vista Bank did not see fit to inform me of these changes. So heads up if you have one of these accounts - this is going to be a very unpleasant surprise for a lot of people come the first of July.

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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 - YTD1.35%
Return on Equity - YTD13.41%
Annual Interest Income$26.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.44B$1.32B
LoansQ2 2022vs Q2 2021$1.09B$895.6MM
DepositsQ2 2022vs Q2 2021$1.27B$1.16B
Equity CapitalQ2 2022vs Q2 2021$144.2MM$126.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$14.5MM$11.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$300.00K$6.2MM
Real Estate OwnedQ2 2022vs Q2 2021$176.00K$275.00K
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* 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

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


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