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Vision Bank Review

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Vision Bank Savings
0.30% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Vision Bank first started operating in 1924 with headquarters located in Ada, Oklahoma. Vision Bank handles assets of $658 million and $508 million in deposits, which makes it a medium-size bank. Vision Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a superb 4.5 out of 5 stars, Vision Bank is among the top banks, and should be given serious consideration. Vision Bank has a mixture of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. Vision Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, Vision Bank's most basic checking does not carry a monthly maintenance charge. Obtaining a checking account with no monthly fee, in addition to a savings account with a high APY at the same institution is your best bet for getting the most income on your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Vision Bank features a savings rate of 0.30%, which is fair compared to the national average. Vision Bank's one-year and five-year term lengths CDs earn at a rate of 2.02% and 2.88%, respectively, while its highest-yielding money market account earns at a rate of 0.35%. Given Vision Bank's poor savings rate, you should consider opting for higher earning savings accounts with other banks.

How Vision Bank's Savings Rates Compare

Vision Bank Savings 0.30 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Vision Bank charges customers extremely low fees as compared against the national average. With no monthly fee, Vision Bank is perfect for people who want a basic checking account. Vision Bank unfortunately doesn't refund out-of-network ATM fees, meaning you will have to find a Vision Bank ATM or pay the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Vision Bank is a brick-and-mortar bank, with nine total branches in Oklahoma. With mobile and web apps, Vision Bank makes account access easy, even on the go. Vision Bank gets moderate reviews from users for its mobile platform. With 75 customer reviews on both Apple and Android platforms, the Vision Bank mobile app is scored at 3.9 out of 5 (compared to the national average of 3.8). Vision Bank's mobile app allows you to manage your accounts by looking at monthly statements, sending and receiving funds and accessing support representatives. Vision Bank gets an excellent consumer satisfaction score due to relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.9/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Vision Bank is currently a medium-size bank and has assets totaling $658 million as well as deposits totaling $508 million. Its Texas Ratio is 9.57%, indicating that Vision Bank is in fine financial health and improbable to fail. Additionally, Vision Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Vision Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.3% APY $250
Checking Account 0.45% APY $1500
Certificates of Deposit
  • 12 Month: 2.02% APY
  • 24 Month: 2.27% APY
  • 36 Month: 2.42% APY
  • 48 Month: 2.68% APY
  • 60 Month: 2.88% APY
$1000 for all terms
Money Market Account 0.35% APY $25000

Vision Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Vision Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Vision Bank's CD rates are fair compared to the national average.

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Find a Vision Bank Near Me

Vision Bank has nine branches in the U.S.

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