Vista Bank (TX) Has Two Competitive Rewards Checking Accounts


Availability: Market area is the Texas Panhandle, primarily Crosby, Hale, and Lubbock Counties.

I have written about many Rewards Checking Accounts (RCA), but I think this is the first time I’ve written about two competitive RCAs being offered by the same financial institution.

Vista Bank offers VistaSmart Checking (3.51% APY on qualifying balances up to $30k) and Vista Checking (2.51% APY on qualifying balances up to $30k). Both RCAs earn 0.50% on qualifying balances over $30k and 0.05% APY on non-qualifying balances.

2.49*%-$30kVista BankVistaSmart Checking
OTHER TIERS: 0.25% $30k+
Rates as of May 28, 2020.

The VistaSmart Checking account requires a $100 minimum opening deposit, and there is a $4.99 monthly fee if the qualifying requirements are not met. Nationwide and foreign ATM fees will be reimbursed up to $25, if the qualifying requirements are met. As you would expect, the higher APY RCA comes with a more demanding set of requirements.

VistaSmart Checking Qualification Requirements

  • At least 30 debit card purchases.
  • At least two Direct Deposits or ACHs.
  • Receive eStatements.

When I first wrote about the VistaSmart Checking in 2010, the Vista Checking account didn’t exist. The Vista Checking account is fee-free, but does require a $100 minimum opening deposit. Nationwide ATM fees will be reimbursed up to $25, if the qualifying requirements are met.

1.49*%-$30kVista BankVista Checking
OTHER TIERS: 0.25% $30k+
Rates as of May 28, 2020.

Vista Checking Qualification Requirements

  • At least 15 debit card purchases.
  • At least one Direct Deposit or ACH.
  • Receive eStatements.


Headquartered in Ralls, Texas, Vista Bank’s market area includes Crosby, Hale, and Lubbock Counties, all located in the Texas Panhandle.

Opening a VistaSmart Checking or Vista Checking account can be done at any of the eleven Texas Panhandle branches located in Abernathy, Crosbyton, Hale Center, Idalou, Lorenzo, Lubbock (3), Petersburg, Plainview, and Ralls.

Vista Bank’s online banking platform is currently limited to account management.

Bank Overview

Vista Bank (FDIC Certificate # 1210) has an overall health grade of "A+" at, with a Texas Ratio of 1.82% (excellent) based on March 31, 2016 data. In the past year, Vista Bank has increased its total deposits by $11.57 million, an excellent annual growth rate of 4.75%. Please refer to our financial overview of Vista Bank for more details.

On January 25, 1912 the doors opened for the first bank in the new town
of Ralls under the name of W.E. McLaughlin, Banker, Unincorporated, with
a capitalization of $11,000. It was an unincorporated private bank.

And so began the journey of Vista Bank. Vista Bank’s Who We Are details the Bank’s 104-year history. Vista Bank is one of the very few 100-year old Texas banks still being operated by the founding family.

How the VistaSmart Checking Compares

Out of the 45 High Yield Reward Checking Accounts (RCA) tracked by, which are available to residents in the Lubbock, Texas area, only six have maximum qualifying balances of at least $30k. When compared to those six RCAs , Vista Bank’s VistaSmart Checking APY clearly ranks first.

The above rates are accurate as of 8/10/2016.

To look for the best nationwide Reward Checking Account rates and the best Reward Checking Account rates in your state, please refer to our High Yield Reward Checking Account rates table or our Rates Map page.


High-Yield Reward Checking Account at Vista Bank in North Texas - Local Only

Vista Bank is offering a high-yield reward checking account called VistaSmart Checking. It has the following rates and features if certain monthly requirements are met:

  • 4.51% APY on balances up to $30,000 (as of 4/13/2010)
  • ATM fees refunded nationwide, up to $25 per month
  • $4.99 monthly service fee waived

Note, I only see the top rate listed on the bank's home page in a rotating ad. No other rates are listed.

The high top rate is nice, but there's a much higher-than-normal debit card usage requirement. Here are all the monthly requirements:

  • 30 debit card purchases
  • 2...
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