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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 was founded in 1912 and its headquarters are located in Ralls, Texas. It manages $604 million in assets as well as $528 million in deposits, which makes 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 conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.3 stars out of 5, Vista Bank should be solidly in contention for your choice of bank. Vista Bank has a complete suite of banking products, including savings accounts, checking accounts, money market accounts, CDs and IRAs. Vista Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Vista Bank's ordinary checking account does not have a monthly fee. Using a bank with free checking and a high savings APY is the best bet for returning the most income from your deposits while having 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

Vista Bank features a savings rate of 0.05%, which is fair in comparison to the average U.S. bank. Its one-year CD earns at a rate of 0.35%, while its highest-yielding money market account has an APY of 0.15%. Given its below average 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 other U.S. banks. With no monthly fee, Vista Bank is perfect for people who want a basic banking experience. Vista Bank unfortunately does not refund out-of-network ATM fees, meaning you'll be required to locate 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 bank locations in Texas. With mobile and web apps, Vista Bank makes mobile banking straightforward, even on the go. Vista Bank's online and mobile banking platforms receive relatively high marks from users. The Vista Bank mobile app scored a 4.3 out of 5 (with 25 reviews on Apple and Android) compared to the national average of 3.8. You can use Vista Bank's mobile app to manage your funds by reviewing account balances, transferring funds as well as reaching customer service. Vista Bank gets a superb consumer satisfaction score due to relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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 is currently a medium-size bank with $604 million in assets as well as $528 million in deposits. Vista Bank has an excellent Texas Ratio of 0.95%, suggesting a negligible probability 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 like savings accounts, checking accounts, money market accounts and CDs that provide you with 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 compared to the national average.

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Find a Vista Bank Near Me

Vista Bank has 17 physical branches across the U.S.

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