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Banking made easy. So you can get on with all the things that aren't banking. Welcome to VISTA.

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




Online Bill Pay




24-hour Telephone Banking




Earns Interest



Yes (for balances over $1)2




We'll refund other Bank's fees, up to $9 per month3

Debit Card




Opening Deposit




Minimum Balance Required




Monthly Service Fee



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


Experience the VISTA banking difference! Open an account today.

CDs & IRAs

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.

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. 

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 CalculatorUse this quick calculator to determine how much Home Equity you have available.

*Speak with your tax advisor regarding deductibility.

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.

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.

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


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

  1. Log in to Online Banking
  2. Under “Accounts,” click “Statements”
  3. 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.

  1. Log in to Online Banking
  2. Under “Preferences,” click on “Mobile”
  3. Complete and submit the mobile enrollment form
  4. On your smartphone, search for and download the “MountainOne” app
  5. 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.


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


  1. Make deposits at selected MountainOne Bank ATMs
  2. 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)