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Business Banking

Welcome to VistaBank.

As a true community bank, we look at your business and its financial well-being differently that other banks. We call it Banking From Your Point of View.

Combining their sophisticated products ans services you want with a responsive, experienced staff to provide the guidance you need, we offer a rewarding realtionship that works on your terms. After reading about our products and services detailed below, we know you'll see banking rom a new perspective. We look forward to serving you.

• Checking Accounts
• Savings and Investment Accounts
• Cash Management
• Credit Cards
• Direct Deposit
• Business Lending
• Merchant Services
• Courier Service
• Armored Car Service
• Merchant Capture

 

Checking Accounts

VistaBank checking accounts were designed to be simple, effective business tools. You can open any account with as little as $50, and each comes with free eCorp online banking and BizPay. You also get check images included in your monthly statement.

Community Checking
We created Community Checking for non-profit and other civic organizations with limited monthly activity.

• No minimum balance
• No monthly service charge
• Up to 100 debits, credits and items deposited per month at no charge; $.20 each thereafter

Small Business Checking
Ideal for most small businesses, this account easily accommodates day-to-day operational needs.

• No minimum balance
• No monthly service charge
• Up to 500 debits, credits and items deposited per month at no charge; $.20 each thereafter
• Free Visa Check Card (subject to eligibility)

Business Interest Checking
Exclusively for sole proprietorships and non-profit organizations, this account earns interest at tiered rates on collected balances.

• No minimum balance required to earn interest
• Tiered interest rates that increase with your balances
• Up to 100 debits, credits and items deposited per month at no charge; $.20 each thereafter
• No monthly service charge with $500 minimum balance; otherwise $10

Commercial Analysis Checking
For companies with the highest activity levels, Commercial Analysis Checking enables you to accrue earnings credit based on your balances to offset—or even avoid—monthly service and activity charges.

• $12 monthly maintenance fee
• Activity fees
  $.15 per debit; $.10 electronic
  $.40 per credit; $.20 electronic
  $.08 per SC bank item deposited
  $.10 per non-SC bank item deposited

Business Savings
This interest-bearing account is an excellent place to keep funds within easy reach.

• $50 to open
• No minimum balance required to earn interest
• Up to 2 withdrawals per month at no charge; $3 each thereafter
• Free eCorp online banking and BizPay
• Images included with quarterly statement
• No monthly service charge with $200 minimum balance; otherwise $4

Business Money Market
Give your business the benefit of higher money market rates along with the flexibility and convenience of a checking account.

• $50 to open
• No minimum balance required to earn interest
• Up to 6 preauthorized transactions per month, 3 of which may be checks; $5 each thereafter
• Free eCorp online banking and BizPay
• Images included with quarterly statement
• No monthly service charge with $1,000 minimum balance; otherwise $5

VistaBank offers the products, services, and consultative advice needed to make the cash management process as simple and efficient as possible for your business. Our Account managers will work with you to streamline and simplify your cash-flow cycle, reduce administration expense and effort, and maximize cash balances and investment earnings

Products and services include Lockbox Remittance Processing, Zero Balance Accounts, Controlled Disbursement, Wire Transfers, Direct Deposit, ACH Origination, eCorp online account access, Account Reconciliation and Balance Reporting by fax.

Our Visa and MasterCards are accepted worldwide by millions of merchant locations. With valuable benefits such as no annual fees, low Annual Percentage Rates, free balance transfer options, available auto rental insurance and fraud protection, the Prime Advantage card saves you time and money. In addition to the advantages of the Prime Advantage card, the Platinum Advantage card offers the opportunity to earn free airline tickets, hotel discounts, merchandise and cruises. Call or come in for an application and further details concerning our selection of credit cards.

Eliminate the hassle of handling a paper check by participating in direct deposit. Prevent the possibility of checks lost in the mail or stolen from your home or office and ensure that your private information remains private. VistaBank account representatives are available to make the transition to direct deposit efficient and effortless

VistaBank’s commercial lending is directed toward small-sized to medium-sized. This category of loans includes loans made to individual, partnership or corporate borrowers for a variety of business purposes, including equipment loans, loans to support working capital and loans secured by accounts receivable or inventories.

If you are looking to confidently and securely accept any payment from a customer that walks through your door, VistaBank has the point-of-sale solutions you need. Whatever the option, wherever the need, we can provide you with the technology needed to grow your business and stay competitive.

Why Merchant Services?

• Increase revenue by increasing average total sales
• Simplify payment processing and speed up transactions
• Simplify end of day reconciliation with detailed reporting

Courier Service

Our Courier Service offers:

• Tamper-proof, numbered deposit bags
• Bonded bank-employee couriers
• Pickups on a convenient daily schedule
• Pickup of non-cash deposits only
• Deposit receipt returned by courier
• With our Courier Service, you'll feel like you're getting extra time in your day to be more productive. Let us do the running for you.

For many reasons, such as personnel constraints, time limitations, or even security concerns, customers may prefer to use Armored Car Service. Armored Car Service can handle cash deposits as well as checks. In addition, Armored Car Service provides the following benefits:

• Flexible pick up and delivery schedules
• Daily change order delivery
• No more daily trips to the bank
• No waiting in line

See your Account Officer for additional details.

Use our merchant capture product and make deposits directly from your workplace, wherever that may be, eliminating a trip to the bank and the mid-day cutoff.  The deposit items are simply run through a tabletop scanner and transmitted to VistaBank.