Personal Banking

Checking

Act now and receive $50¹ for opening a new VISTA account before March 31st.

Open a VISTA Checking account with $50¹ and we'll deposit $50 in your new VISTA Money Market account.⁶

VISTA is everything you need to simplify your finances without anything you don't need. With VISTA banking, you get Free Online Banking, Free Online Bill Pay, Free Mobile Banking, a Free Debit Card and Free Automatic Transfers from your VISTA Money Market. Plus, you earn interest on both your VISTA Checking and Money Market accounts.² And, you can use ATMs anywhere. We'll even refund up to $9 per month if you use other banks' ATMs.³

There's an easier way to manage your money with VISTA. Sign up today!

	Pinnacle Checking	VISTA Checking¹
Online Banking	Free	Free
Online Bill Pay	Free	Free
24-hour Telephone Banking	Free	Free
Earns Interest	No	Yes (for balances over $1)²
ATMs		We'll refund other banks' fees, up to $9 per month³
Debit Card	Free	Free
Opening Deposit	$25	$50
Minimum Balance Required	No	No
Monthly Service Fee	Free	No monthly fee with Direct Deposit or eStatements.⁴
Mortgage Extra	Not available	Buying a new home? We'll direct deposit a $500 Mortgage Extra to your VISTA Checking after your new Mortgage with us closes.⁵
Other Benefits		Premium CD rates may be available to customers with an active VISTA Relationship. This premium rate does not apply to CD Special Offerings.

Experience the VISTA banking difference! Open an account today.

Savings & Money Markets

An important part of any financial strategy.

We believe that a savings account is an important part of a sound financial strategy. No matter what your financial goals, a savings account means your money is safe, secure and ready when you need it.

Save with clarity. We offer three savings products that are fully covered with both FDIC and DIF insurance to protect your balances.

	Pinnacle Savings	Pinnacle Money Market	VISTA Money Market¹
Online Banking	Free	Free	Free
Online Bill Pay	Free	Free	Free
24-hour Telephone Banking	Free	Free	Free
Earns Interest	Yes	Yes	Yes (for balances over $1)²
ATMs			We'll refund other Bank's fees, up to $9 per month³
Debit Card	No	Free	Free
Opening Deposit	$25	$50	$50
Minimum Balance Required	No	No	No
Monthly Service Fee	Free	Free	No monthly fee with Direct Deposit or eStatements.⁴
Mortgage Extra	N/A	Not available	Buying a new home? We'll direct deposit a $500 Mortgage Extra to your VISTA Checking after your new mortgage with us closes.⁵

Experience the VISTA banking difference! Open an account today.

Special CD Rates for VISTA customers! Ask us for details.

Flexibility and security in one guaranteed investment.

If you’re looking for guaranteed earnings at a fixed rate, check out our many Certificate of Deposit (CD) options.

You’ll find competitive terms and rates. Our CDs are secure no matter how large your investment. They’re FDIC insured up to the current FDIC limits, and by the DIF for any amount in excess of FDIC limits.

Click for current rates

Individual Retirement Accounts (IRAs) to meet every need

Planning for your retirement? We can help. We have both the IRAs and professional guidance you need to ensure that you’ll have a healthy nest egg when it’s time to retire.

Click for current rates

Home Loans

Great rates combined with local decision-making.

At MountainOne Bank, we make mortgages simple. Whether you’re buying a home or looking to refinance an existing mortgage, our experienced lenders provide helpful, personal service.

Updated Mortgage Information

We are here in your community, whenever you want to pick up the phone or stop by. We are eager to answer your questions, help you choose the best loan for your situation, and offer lending advice.

Mortgage Programs
Home Equity Loans & Lines

Buying a home is one of the biggest decisions you’ll make. When you work with MountainOne Bank, we take seriously that decision and our relationship with you. We will help you find the terms, rates, and special programs that work for you and meet your goals.

Learn more and apply online at the MountainOne Bank Mortgage Center.

Fixed-Rate Loans

With a fixed-rate mortgage, your interest rate remains the same for the term of the loan. Shorter terms generally have lower rates.

Click for terms and rates

Adjustable-Rate Mortgage (ARM)

With an ARM, your interest rate adjusts annually after an initial fixed-rate period.

Click for terms and rates

Jumbo Mortgage

If you're purchasing a higher-priced residence, you may need a jumbo mortgage. Jumbo mortgages are specialized home loans for amounts that exceed $417,000, the maximum loan amount established by Fannie Mae and Freddie Mac. We offer loans up to $2,000,000 for qualified buyers.

Click for terms and rates

Loans for First-time Home Buyers

If you're in the market for your first house or condo, we can help you arrange financing through programs such as Mass Housing. We'll work with you to determine the best loan program for your needs.

Contact a mortgage specialist today.

Welcome to Home Equity Central

Harness the power of your home’s equity. A flexible Home Equity Loan or Line of Credit from MountainOne is easy, fast, and low cost.

Apply online today or stop by any MountainOne branch.

Check out our great rates.

Home Equity Uses

A Home Equity Loan or Line of Credit can be used for almost any major expense, including:

Home improvement
Education expenses
Debt consolidation
Vacations
Vehicle purchases
Weddings
And much more

The interest on your home equity loan or line of credit may even be tax deductible.*

Let our representatives put your home’s equity to work for you.

Home Equity Calculator–Use this quick calculator to determine how much Home Equity you have available.

*Speak with your tax advisor regarding deductibility.

Contact a mortgage specialist today.

Online Banking & Mobile

24/7 Banking

We’re on a mission to help your financial world make sense. To do that, we proudly offer banking options that give you more confidence, clarity and convenience. And best of all, they’re all free and available 24/7.

Click here to view an Online Banking demo.

Click here to Sign Up for Online Banking.

Bill Pay
eStatements
Mobile Banking
Phone or ATM service
Help Guides

Online Bill Pay

Forget the days of paying bills in person or even having to mail them. Now you can send a payment with one simple click.

Log in to Online Banking
Under “Transactions,” click “Bill Payment”
Follow the prompts to start paying your bills online

eStatements

Signing up to receive your monthly banking statements electronically, is not only kinder to the environment, it cuts down on clutter in your house.

Log in to Online Banking
Under “Accounts,” click “Statements”
Follow the prompts to start viewing your eStatements

Use your smartphone to do your banking!

You’re busy; we get that. So, now you can bank and pay bills wherever you are right through your smartphone.

Log in to Online Banking
Under “Preferences,” click on “Mobile”
Complete and submit the mobile enrollment form
On your smartphone, search for and download the “MountainOne” app
Log in to Mobile Banking using your Online Banking User ID & Password

Phone and ATM Banking

If you’re a little tech-shy, simply call or use one of our ATMs to get the account information you need.

Phone

Dial toll-free 855.663.2200
Enter one of your account numbers + #
Enter the last 4 digits of your social security number (temporary security code) + #
Enter a new security code of your choosing + #
Begin banking (check your balance, transfer funds, find out if a check has cleared, etc.)

ATMs

Make deposits at selected MountainOne Bank ATMs
At MountainOne and other ATMs, check your balance, transfer funds or get cash

Online & Mobile Banking Help Guides

For answers to common questions view our FREQUENTLY ASKED QUESTIONS.

Help Guide	Download form by clicking button below
Login & Computer Registration New to Online Banking? This guide walks you through the login process and computer registration. Registering your computer is a security feature that we use to be sure that your information is safe and secure.	Login & Computer Registration
Personal Online Banking Guide If you're a personal Online Banker, this guide will introduce you to all of the features that are available through Online Banking.	Personal Online Banking Guide
Personal Mobile Banking Guide Would you like to access your accounts at your convenience from your web-enabled mobile phone? This guide takes you through the set-up process and features.	Personal Mobile Banking Guide
Bill Pay Quick Guide If you'd like more information on the ease and convenience of Bill Pay, this guide gives you quick and easy steps to add payees, set up payments and more.	Bill Pay Quick Guide
Quicken Setup Guides Quicken users can use these guides to modify their Quicken service to MountainOne Bank	Quicken 2005-2007 (Mac) Quicken 2010 Express Connect (Mac) Quicken 2010 (Mac) Quicken 2011-2013 (Windows) Quicken 2011-2013 Express Connect (Windows)

¹$50 opening deposit required to open VISTA Checking. $50 opening deposit required to open VISTA Money Market. Both accounts required. Personal accounts only. Must be a resident of New England or New York State. ²Rates reset each month based on U.S. Treasury 3-Month Treasury Bill rate as posted in the Wall Street Journal on the first day of the month. ³We will not charge you to use our ATMs or other bank ATMs; if another bank's ATM is used and a fee is charged by them, we will reimburse up to $9.00 per statement period. ⁴$10 monthly maintenance fee applies to accounts without Direct Deposit or eStatements. Three statement grace period for activation of Direct Deposit or eStatements to avoid maintenance fee. Fees could reduce the earnings on the account. ⁵$500 Mortgage Extra available for new mortgages only. Mortgage subject to credit approval. Not valid on refinancing of existing mortgages held by MountainOne Banks. One-time benefit. One offer per household. Must be a resident of New England or New York State. Mortgage Extra will be direct deposited to VISTA Checking within two business days of receipt of customer Mortgage Extra coupon, after verification that customer has VISTA Checking and VISTA Money Market accounts, and mortgage closed after the date of deposit account opening. A 1099-INT will be issued for the bonus at year-end for tax purposes. ⁶$50 bonus to be awarded at account opening if opened in person at bank office or in 2nd statement cycle if opened online. One offer per customer. A 1099-INT will be issued for the $50 bonus at year end for tax purposes.

INVESTMENTS AND INSURANCE PRODUCTS ARE:
NOT A DEPOSIT	NOT FDIC-INSURED	NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY	NOT GUARANTEED BY THE BANK	MAY GO DOWN IN VALUE

Online Banking

Checking

Act now and receive $501 for opening a new VISTA account before March 31st.

Savings & Money Markets

An important part of any financial strategy.

CDs & IRAs

Special CD Rates for VISTA customers! Ask us for details.

Flexibility and security in one guaranteed investment.

Individual Retirement Accounts (IRAs) to meet every need

Home Loans

Great rates combined with local decision-making.

Fixed-Rate Loans

Adjustable-Rate Mortgage (ARM)

Jumbo Mortgage

Loans for First-time Home Buyers

Welcome to Home Equity Central

Home Equity Uses

Online Banking & Mobile

24/7 Banking

Online Bill Pay

eStatements

Use your smartphone to do your banking!

Phone and ATM Banking

Phone

ATMs

Online & Mobile Banking Help Guides

Act now and receive $50¹ for opening a new VISTA account before March 31st.