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Personal Checking Account

Flexible, secure personal checking options designed with your freedom in mind.

Let's face it. You're busy living and your personal checking account shouldn't get in the way. You need checking fundamentals that work and account perks that give you something you actually care about. 

Our straight-forward checking options allow you to bank when, where, and how you want. Pay your bills, cover everyday expenses, and maintain your lifestyle with an account designed to give you more.

Pick an account that fits your lifestyle.

Easy Checking

A no-frills checking experience for consumers who want an account with no special requirements, no hidden fees, and no balance minimums.

  • No monthly maintenance fee
  • No minimum balances
  • No activity requirements3
ACCOUNT DETAILS OPEN AN ACCOUNT

Rewards Checking

Earn a premium reward with one of the highest checking rates around. This account is for active customers who expect more for their money.

  • Earn up to 2.65% APY1
  • No monthly maintenance fee
  • No minimum balances2
ACCOUNT DETAILS OPEN AN ACCOUNT

Interest Plus Checking

Get the total checking experience with an interest-bearing account designed for customers with a full banking relationship and higher-than-average balances.

  • Interest-bearing account
  • No activity requirements3
  • Special perks
ACCOUNT DETAILS OPEN AN ACCOUNT

Account Comparison

Easy Checking
Rewards Checking
Interest Plus Checking
Monthly Maintenance Fee
$0
$0
$154
Minimum Required to Open
$100
$100
$100
Ways to Avoid Maintenance Fee
NA
NA
$1000 minimum daily balance OR $5000 minimum daily balance in total deposit accounts combined OR being 55+ years of age.
Earns Interest
NA
Complimentary Debit Cards
Checks
Available
Available
Included
Statement Delivery
eStatement
eStatement
Paper or eStatement
Notary Services
Complimentary Cashier's Checks
NA
NA
Relationship Benefits
Access to personal savings, money market, or preferred money market account; access to a Vast credit card; discounts on qualifying installment loans with auto-debit
Access to personal savings, money market, or preferred money market account; access to a Vast credit card; discounts on qualifying installment loans with auto-debit
Access to personal savings, money market, or preferred money market account; access to a Vast credit card; discounts on qualifying installment loans with auto-debit

Ultimate Guide to Personal Financial Wellness call-to-action

12.65% APY** is earned on qualified balances up to and including $25,000. Qualified balances over $25,000 earn 0.12% APY. The account will not earn interest if qualifications are not met. If you have met all the qualifiers for the qualifications cycle, we will automatically refund up to $10.00 in ATM fees assessed by Vast. To earn your rewards, you simply need to complete the following each qualification cycle: (1) have a minimum of 15 check card (POS) transactions, (2) have a minimum of 1 ACH credit and 1 ACH debit, (3) Be enrolled and receive e-statements, and (4) log in to your Internet Banking account at least once each month. Qualifying transactions must post to and settle account during monthly qualification cycle. Account fees could reduce earnings. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit two accounts per tax ID.

2 No minimum balance is required to earn rewards.

3Account subject to dormancy rules and requirements, subject to applicable law.   Dormancy penalties may include dormancy fees and possible closure of account.  (please see your Account Agreement for Terms and Conditions)

4 $15 monthly maintenance fee can be avoided if you have a $1000 minimum daily collected balance, OR $5000 minimum daily collected balance in total deposit accounts combined OR being 55+ years of age.

 

* Vast Bank customers have access to more than 56,000 ATMs worldwide through our partner ATM networks powered by Allpoint & Transfund.

** APY = Annual Percentage Yield. APYs are accurate as of August 30, 2023. Rates may change after account is opened. 
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