Savings

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.

	VISTA Personal Money Market ¹	Pinnacle Money Market
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.
Earns Interest	Yes (for balances over $1) View Rates	Yes (for balances over $1) View Rates
ATM Fees	No, unlimited surcharge rebates²	No, surcharge rebates up to $20/month²
Debit Card	Free	Free
Digital Banking	Free	Free
Mobile Deposit	Free	Free
Minimum Opening Deposit	$50	$50
Monthly Fee	None with $2,500 combined balance³	None
Other Benefits	Ask about special CD rates for VISTA customers!

	Pinnacle Savings	Youth Savings ⁴
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.
Earns Interest	Yes (for balances over $1) View Rates	Yes (for balances over $1) View Rates
Digital Banking	Free	Free
Mobile Deposit	Free	Free
ATM Fees	No⁵	No⁵
ATM Card	Free	Free
Minimum Opening Deposit	$25	$10
Monthly Fee	None	None
Other		Joint owner over age 18 on the account required.

Great for short-term savings goals

Money Market and Savings accounts 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.

More Ways to Save

Now is a great time to take advantage of the power of compounding. Starting to save today is the easiest way to ensure a comfortable future.

Learn more about CDs & IRAs

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. Surcharges rebate applied at end of 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.