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Vista Bank Review

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


Vista Bank started in 1912 with its headquarters in Ralls, Texas. Vista Bank owns $604 million in assets along with deposits totaling $528 million, making it a medium-size bank. Vista Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. At a SmartAsset rating of 4.3 out of 5 stars, Vista Bank should be solidly in contention for your choice of bank. Vista Bank offers a diverse array of product offerings, including savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Vista Bank offers an option without a maintenance or monthly fee. Locating a bank with no-fee checking, in addition to a high savings APY is your best option for accruing the most income on your deposits while maintaining convenient 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

Vista Bank features a savings rate of 0.05%, which is fair as compared against the national average. Its one-year CD earns at a rate of 0.35%, while its highest-yielding money market account earns at a rate of 0.15%. Given its poor savings rate, you should consider opting for higher earning savings accounts with other banks.

How Vista Bank's Savings Rates Compare

Vista Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Vista Bank has generally extremely low fees compared to the national average. Vista Bank's checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. Vista Bank unfortunately does not reimburse out-of-network ATM fees, which means you will be required to find a Vista Bank ATM or accept the withdrawal fee.

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

Vista Bank is a brick-and-mortar bank, with 17 total branches in Texas. With mobile and web apps, Vista Bank makes mobile banking easy, even on the go. Vista Bank gets fairly high marks from users for its mobile platform. Out of 25 ratings across both iOS and Android platforms, the Vista Bank mobile app is scored at 4.3 out of 5 (compared to the national average of 3.8). You can utilize Vista Bank's mobile app to manage your finances by reviewing monthly statements, sending and receiving money as well as reaching customer service. Vista Bank receives an excellent consumer satisfaction rating due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Vista Bank ranks as a medium-size bank with $604 million in assets and $528 million in deposits. Vista Bank's Texas Ratio is 0.95%, denoting a low possibility of failure. Additionally, Vista Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

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 Vista Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $100
Checking Account 0.05% APY $1500
Certificates of Deposit
  • 12 Month: 0.35% APY
  • 24 Month: 0.60% APY
  • 36 Month: 0.70% APY
  • 48 Month: 0.90% APY
$1000 for all terms
Money Market Account 0.05% APY $2500

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

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Find a Vista Bank Near Me

Vista Bank has 17 branches across the U.S.

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