Click on the following link to access your benefits.

www.memberheadquarters.com

Click on the following link to register for Identity Guard Protection.

www.identityguard.com

Checking Accounts

Free Online Banking         Free Online Bill Payment         Free VISA Check Cards

We have a whole bunch of checking account types. There's surely one here for you.

While we have an account with no monthly service charges and no minimum balance, if you keep enough money in your account, you can avoid any monthly service charge on most of them. Senior citizens have no minimum balance requirement to avoid the monthly service charge for Horizon Checking and receive a 50% discount on monthly fee for Advantage Checking.

We offer the VISA Check card (at no cost) for easy access to cash, and to make purchases worldwide, wherever VISA is accepted. There are some extra services listed at the bottom that apply to all of the accounts, except some of those are included free in the Advantage Checking.

Pick out the account and options you want, and E-mail us for an application.

VistaSmart Checking

• Superior interest rate on all balances up to $30,000, a lesser but competitive rate on balances over $30,000*
• Payment card protection and $2,500 identity theft protection
• 6 months free Identity Guard®
• ATM fees refunded nationwide, up to $25 (2)
• VISA® Check Card with no annual fee (3)
• Security Blanket overdraft protection (4)
• Unlimited Check Writing
• $5,000 travel accidental death insurance
• Free checks, money orders and cashier’s checks
• Member card benefits; save on travel, dining, recreation and prescriptions
• 100 minimum to open; no minimum balance; $4.99 monthly service fee applies if monthly requirements are not met
• E-statement required
• 30 minimum debit card transactions per month
• 2 minimum direct deposits or ACH transactions

Click on the following link to access your benefits.
www.memberheadquarters.com

Click on the following link to register for Identity Guard Protection.
www.mhqidguard.com

Vista Checking

• High interest rate on all balances up to $30,000,a lesser but competitive interest rate on balances over $30,000*
• .25% per annum interest rate discount on consumer loans (1)
• First order of Vista Bank stock checks free
• Payment card protection and $1,000 identity theft protection
• 6 months free Identity Guard®
• ATM fees refunded nationwide, up to $25 (2)
• VISA® Check Card with no annual fee (3)
• Security Blanket overdraft protection (4)
• Unlimited Check Writing
• 100 minimum to open; no minimum balance; no monthly fee
• E-statement required
• 15 minimum debit card transactions per month
• 1 minimum direct deposit or ACH transaction

Click on the following link to access your benefits.
www.memberheadquarters.com

Click on the following link to register for Identity Guard Protection.
www.mhqidguard.com

View Checking:

• Minimum deposit to open: $100
• No minimum balance required
• No monthly fees
• No interest bearing
• Unlimited check writing
• No Images of checks or deposits sent with monthly statements

Horizon Checking:

• Minimum deposit to open: $100
• Fees: $8.00 per month if balance falls below $800
• May be interest bearing; see Interest Option below
• Unlimited check writing
• Images of checks and deposit slips sent with monthly statements

Money Market Checking:

• Minimum deposit to open: $2,500
• Interest rate is variable, paid monthly. E-mail us for current rates. Rates are tiered, so the more money in your account the higher rate you earn.
• Minimum balance to avoid fees: $2,500
• Limited to 6 debit transactions per month with no more than 3 by check
• Fees: $10 per month if balance falls below $2,500

Extra Services:

Interest Option:

• Applies to Advantage and Horizon accounts
• Minimum deposit to open: $1,500
• Interest rate is variable, paid monthly. E-mail us for current rates.
• Fees: $10.00 per month if balance falls below $1,500
• Unlimited check writing

Security Blanket Option:

• For occasional overdraft protection
• Subject to approval
• A $25.00 fee is assessed for each overdraft item paid

(1) Interest rate discounted if loan is paid by automatic draft.
(2) If all requirements pertaining to that account are met.
(3) Subject to approval.
(4) Subject to approval; $25.00 fee assessed each overdraft on checking, ATM, internet, telephone and electronic transactions; items are paid at bank’s discretion.
(5) Refer to Deposit Account Agreement or Fee Schedule.
(6) Security Blanket is not a line of credit
*If all requirements are not met, a nominal interest rate will be earned