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VIST Bank Review

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VIST Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 1891, VIST Bank has $2 billion in assets as well as $1 billion in deposits, making the institution a large bank. VIST Bank, whose headquarters are in Wyomissing, Pennsylvania, has above-average access to customer service with a live chat feature, great for getting help during the work week. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. At a SmartAsset rating of 3.6 stars out of 5, VIST Bank should be near the middle of the pack in your search for a bank. VIST Bank offers a selection of product offerings, including savings accounts, checking accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. VIST Bank has a fair savings rate compared to the average savings account. The bank's standard checking product carries a monthly fee of $3.00, which is acceptable in comparison to other U.S. banks. Banks that offer free checking and a high savings APY are the best option for accruing the most income from your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

3.6/5
National Average: 4.1

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

Rates

3.0
SmartAsset Average: 3.5

VIST Bank features a savings rate of 0.05%, which is poor in comparison to other U.S. banks. VIST Bank's one-year CD earns at a rate of 0.45% and the five-year CD has a rate of 1.00%, while its highest-yielding money market account has an APY of 0.30%. Given VIST Bank's poor savings rate, you should think about other options to earn more on your deposits.

How VIST Bank's Savings Rates Compare

VIST Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

2.8
SmartAsset Average: 4.4

On average, VIST Bank charges its customers high fees compared to the national average. At $3.00/month, VIST Bank is not the best option for people who want a simple checking account. Additionally, at $38.00, VIST Bank's overdraft fee is slightly higher than the national average. VIST Bank doesn't refund out-of-network ATM charges, meaning you'll have to find a VIST Bank ATM or accept the withdrawal fee.

Monthly Fee $3.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $38.00 National Average: $35.00
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Service Quality

3.8
SmartAsset Average: 3.7

VIST Bank is a brick-and-mortar bank, with 23 total bank locations in Pennsylvania. With mobile and web apps, VIST Bank makes mobile banking convenient, even on the go. It does not offer all-day customer service with representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 7:30 p.m. ET; Saturday, and 9:00 a.m. to 12:00 p.m. ET. Additionally, VIST Bank offers a live chat feature, something to consider if you work during the customer service hours. VIST Bank gets unsatisfactory reviews from users for its mobile app. Out of 23 customer reviews across Apple and Android platforms, the VIST Bank mobile app has an overall rating of 3.2 out of 5 (compared to the national average of 3.8). You can use VIST Bank's mobile app to manage your bank accounts by reviewing current statements, transferring funds as well as reaching support representatives. VIST Bank receives an outstanding consumer satisfaction rating based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

4.9
SmartAsset Average: 4.8

VIST Bank ranks as a large bank and manages assets totaling $2 billion and $1 billion in deposits. VIST Bank's Texas Ratio is 3.88%, signifying that the bank is in terrific financial well-being and improbable to fail. Additionally, VIST Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

3.88%
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 VIST Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1500
Checking Account 0.05% APY $1
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.50% APY
  • 36 Month: 0.65% APY
  • 48 Month: 0.95% APY
  • 60 Month: 1.00% APY
$1000 for all terms
Money Market Accounts 0.1% APY 0.3% APY $10000 $15000

VIST Bank has several deposit products like savings accounts, checking accounts and CDs to give you many options to manage your money. VIST Bank does not have the best savings rate, which means you should consider looking 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. VIST Bank's CD rates are fair compared to other U.S. banks.

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Find a VIST Bank Near Me

VIST Bank has 23 physical branches in the U.S.

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