With each of our checking accounts, value comes standard. 

Our checking accounts are just another way we bring value to your life every day by helping you manage your finances on your terms. All our accounts come fully loaded with convenient, easy-to-use online and mobile banking features such as mobile deposit, person-to-person payments and debit card on/off.

For some additional perks, our VISTA Premier Checking account earns interest, comes with unlimited ATM rebates1 so you can use any ATM you choose for free, and even includes a complete ID theft protection service that helps prevent fraud and recover your identity.

The table below shows complete details and options available with each Checking account.

Free ATM icon

Free ATMs

Use ATMs Anywhere

With VISTA Premier Checking and Pinnacle Value Checking, we don’t charge you to use another bank’s ATM. AND, we’ll rebate ATM surcharges1 from other banks – unlimited rebates with VISTA and up to $20 in rebates with Pinnacle.

ID Protect Icon


The complete ID theft solution. 

With fraud and online scams on the rise, our identity theft protection is the perfect way to safeguard you and your family. Our complete solution, included with Pinnacle Value Checking and VISTA Premier Checking, helps protect against loss, and works with you to recover your identity. 

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Online & Mobile Banking Icon

Online & Mobile Banking

Bank with more freedom, ease and convenience.

Life is busy, and anything that helps make it more convenient is a plus. Our Online & Mobile Banking give you the freedom to manage your accounts on the go, where- and whenever it’s best for you. 

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Find the account perfect for you. 


Horizon eChecking

A simple, no-frills account, perfect for a first checking account. This is a great account for Students!

Pinnacle Value Checking

An account with extra perks, including IDProtect3 and ATM rebates. 

VISTA Premier Checking2

Our top account; maintain a higher balance and get rewarded by earning interest and enjoying extra account benefits.

IDProtect3 No YES YES
Free ATMs No4 FREE, with surcharge rebates up to $20/month1 FREE, with unlimited surcharge rebates1
Earns Interest No No Yes (see rates)
Monthly Maintenance Fee None $4.95 None with $2,500 combined balance5
Minimum Opening Deposit $25 $25 $50
Paper Statements $5
(free eStatements)
Free Free

All accounts come with a free debit card and online & mobile banking.


1We will not charge you to use other bank ATMs. Fee (surcharge) rebate applied at end of the month.

2Both VISTA Premier Checking and VISTA Personal Money Market required to be opened together. Personal accounts only. Must be a resident of New England or New York State.

3IDProtect® service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

4Foreign ATM fees are $2 per transaction and surcharges apply.

5Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee.