An important part of any financial strategy.
We believe that saving is an important part of a sound financial strategy. No matter what your financial goals may be, a Money Market or Savings Account means your money is safe, secure, and ready when you need it.
Money Market and Savings accounts are great for short-term savings goals. They allow you to accumulate funds that you’ll need easy access to, such as saving up for an emergency account or dream vacation. And, funds from Money Market and Savings accounts can be easily transferred to your MountainOne Bank Checking account, using Online, Mobile, or ATM Banking.
Steady deposits are the best way to grow your balances. Provide your employer, or pension and other benefits provider, with our simple Direct Deposit form to set up these automatic, recurring deposits, or set up automatic transfers yourself from your other accounts through Online Banking.
Our savings options are fully covered with both FDIC and DIF insurance to protect your entire balances.
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VISTA Personal Money Market1 |
Pinnacle Money Market |
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Works Best For |
Someone who wants a combined Checking and Money Market account, with both accounts earning interest, as well as other special benefits. | Someone wanting a stand-alone Money Market account with a good interest rate. |
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Earns Interest |
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ATM Fees |
No, unlimited surcharge rebates2 |
No, surcharge rebates up to $20/month2 |
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Debit Card |
Free |
Free |
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Online Banking |
Free |
Free |
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Mobile Banking |
Free |
Free |
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Mobile Deposit |
Free |
Free |
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Minimum Opening Deposit |
$50 |
$50 |
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Monthly Maintenance Fee |
None with $2,500 combined balance3 |
None |
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Other Benefits |
Ask about special CD rates for VISTA customers! |
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Pinnacle Savings |
Youth Savings4 | |
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Works Best For |
Someone who wants a special account to accumulate savings, with easy online and mobile access to the account. | A youth who is 18 years of age or younger, who wants to learn valuable savings habits that will last a lifetime. |
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Earns Interest |
Yes (for balances over $1) | Yes (for balances over $1) |
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Online Banking |
Free |
Free |
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Mobile Banking |
Free | Free |
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Mobile Deposit |
Free | Free |
| ATM Fees | No5 | No5 |
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ATM Card |
Free | Free |
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Minimum Opening Deposit |
$25 | $10 |
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Monthly Maintenance Fee |
None | None |
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Other |
Joint owner over age 18 on the account required. |
1Both 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.
2We will not charge you to use other bank ATMs, but other institutions may assess a surcharge. Surcharge rebate applied at end of the month.
3Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee.
4All standard account opening guidelines apply, including providing valid ID to open account. Minimum balance to obtain the Annual Percentage Yield (APY) is $1. The rate on the account is variable and may change after the account is opened. Fees may reduce earnings on an account. Minimum opening deposit $10. When Primary Owner of Youth Savings Account turns age 19, the account will convert to a Pinnacle Savings.
5MountainOne Bank does not charge foreign ATM fees, but other institutions may assess a surcharge.