Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

VIST Bank Review

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


Founded in 1891, VIST Bank has assets totaling $2 billion along with $1 billion in deposits, classifying it as a large bank. VIST Bank, whose headquarters are in Wyomissing, Pennsylvania, has above-average customer service access 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. SmartAsset has rated VIST Bank 3.6 stars out of 5, suggesting it is an acceptable bank choice, but may leave you wanting more. VIST Bank has a selection of banking products, which include savings accounts, checking accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. The bank's standard checking account features a monthly fee of $3.00, which is acceptable in comparison to the national average. Finding a checking account with no monthly fee as well as a savings account with a high APY at the same institution is the best bet for gaining the most income on your deposits alongside easy access to your money.

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

With a savings rate of 0.05%, VIST Bank ranks poorly 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 earns at a rate of 0.20%. Given its below average savings rate, you should think about looking elsewhere to open savings accounts.

How VIST Bank's Savings Rates Compare

VIST Bank Savings 0.05 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

VIST Bank has generally high fees in comparison to other U.S. banks. At $3.00 per month, VIST Bank is not great for those who want a basic checking account. Also, at $38.00, VIST Bank has a slightly steeper overdraft fee compared to that of other U.S. banks. VIST Bank unfortunately does not reimburse out-of-network ATM fees, which means you'll need to locate a VIST Bank ATM or eat the cost of withdrawal.

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
Back to Overview

Service Quality

SmartAsset Average: 3.7

VIST Bank is a brick-and-mortar bank, with 23 total bank locations in Pennsylvania. It also offers access to mobile and web apps for straightforward access and banking on the go. It does not provide access to all-day customer service with actual service 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 customers can access live chat for their banking questions or needs, an alternative customer service tool if you can't call in during business hours. VIST Bank's online and mobile banking services get mediocre feedback from users. The VIST Bank mobile app scored a 3.2 out of 5 (with 23 ratings on iOS and Android) compared to the national average of 3.8. You can utilize VIST Bank's mobile app to manage your accounts by looking at current statements, sending and receiving money and accessing support representatives. VIST Bank receives an exceptional consumer satisfaction rating due to relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 3.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
Back to Overview

Financial Health

SmartAsset Average: 4.8

VIST Bank is a large bank owning $2 billion in assets as well as deposits totaling $1 billion. It has an excellent Texas Ratio of 3.88%, signifying that the bank is in terrific financial condition and far from failure. 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

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.

Back to Overview

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 Account 0.1% APY $10000

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 think about 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. VIST Bank's CD rates are fair as compared against the national average.

Back to Overview

Find a VIST Bank Near Me

VIST Bank has 23 locations in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure