Deposits

Deposits

VisionBank offers a wide variety of personal deposit accounts that allow you to manage your money and finances. From basic checking accounts to interest-bearing money market accounts. From savings accounts to CDs and IRAs.

VisionBank offers a variety of deposit products to meet the needs of your business or your personal finances. The accounts have been simplified so you don’t have to worry about going through a checklist every month to avoid fees. The annual percentage yields (APYs) on the Money Market Savings, IRAs and Certificate products are highly competitive when compared to financial institutions in the area. Contact VisionBank to ask how to open your account today.

Checking Accounts

VisionBank offers two simple checking accounts. Our Basic Checking offers you free checking with only a $50 opening balance.

Our Premium Checking has all of the same features as the basic checking but allow you to earn a yield on average balances between $500 and $500,000. An opening balance of $500 is required.

All of our checking accounts have debit cards, online banking, Bill Pay, and mobile banking available. We want you to be able to do your banking whenever you need to and from wherever you are.

To report a lost or stolen check card after hours, please call 800-264-5578.

Create Premium Checking Account Create Free Personal Checking Account

Personal Savings

Savings accounts with VisionBank offer several ways to reach your financial goals – whether they include a major purchase, that long-anticipated vacation or a rainy-day fund. Personal (standard) Savings accounts are our most popular choice and require a $50 opening deposit. Check current interest rates HERE. Take advantage of these features:

Competitive interest

No monthly service fee

Money Market Savings

With a Money Market Savings account, you can take advantage of a competitive tiered interest rate based on your account balance. There is a small fee if the balance falls below a minimum average daily balance of $1,000 for the monthly statement cycle.

Transfers from a Money Market Savings Account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement cycle including checks, draft or similar order to third parties. Withdrawals made by mail, ATM or in person are unlimited. A per withdrawal fee may be charged for each withdrawal in excess of six during a statement cycle.

Money market accounts are insured by the Federal Deposit Insurance Corporation.

Health Savings Accounts

A Health Savings Account (HSA) is an excellent way to save money tax-free, pay health plan deductibles and non-covered health expenses, while providing for future health-care costs as well.

* Please consult your tax advisor for guidance on and usage of a Health Savings Account.

Benefits of an HSA

Contributions you make are tax deductible, or if made through a payroll deduction, they are pretax. If your employer makes a contribution, there is also no tax to the employer.

All interest earned is tax-free.

All withdrawals are tax-free if used to pay qualified medical expenses.

HSA accounts are portable—you keep them even if you change jobs or quit working.

Certificate of Deposit (CDs)

A Certificate of Deposit (CD), is a type of federally insured savings account that has a fixed interest rate and fixed date of withdrawal, known as the maturity date. CDs offer higher interest rates than typical savings accounts and they have no monthly fees. CDs can also be opened as Individual Retirement Accounts (IRAs).

VisionBank offers a wide range of term lengths, but the standard range is between three months and five years. Check current interest rates HERE.