| VISTA Personal Money Market 1 | Pinnacle Money Market | Pinnacle Savings | |
|---|---|---|---|
| Works Best For | Someone who wants a combined Checking and Money Market account, with both accounts earning interest, as well as other special benefits. Apply for VISTA Personal Money Market Now | Someone wanting a stand-alone Money Market account with a good interest rate. Apply for Pinnacle Money Market Now | Someone who wants a special account to accumulate savings, with easy online and mobile access to the account. Apply for Pinnacle Savings Now |
| Earns Interest | Yes (for balances over $1) View Rates | 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 | No3 |
| ATM/Debit Card | Yes | Yes | Yes |
| Digital Banking | Free | Free | Free |
| Mobile Deposit | Free | Free | Free |
| Minimum Opening Deposit | $50 | $50 | $25 |
| Monthly Fee | None with $2,500 combined balance4 | None | None |
| Other Benefits | Ask about special CD rates for VISTA customers! |
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.
Banking For Kids
Learning to save and spend wisely is a journey. Let us help guide your family.
As the G.O.A.T. of family banking, MountainOne believes that starting kids and teens on the right path early can help them reach their biggest and boldest goals. We offer Youth Savings Accounts so kids and teens can start saving early, and the Greenlight debit card so they can learn smart financial habits for their future.
Youth Savings Account
There’s no time like the present to start saving — and earning interest. Perfect for kids and teens 18 years of age or younger.
- Earns Interest (for balances over $1) View Rates
- Free Digital Banking and Mobile Deposit
- No ATM Fees3
- Free ATM Card
- $10 Minimum Opening Deposit
- No Monthly Fee
Joint owner over age 18 on the account required. All 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. Youth ages 13–18 can open a Youth Savings account online. For children under 13, please visit a branch to open an account.
Learn More about Youth Savings
- Earns Interest (for balances over $1) View Rates
- Free Digital Banking and Mobile Deposit
- No ATM Fees3
- Free ATM Card
- $10 Minimum Opening Deposit
- No Monthly Fee
Joint owner over age 18 on the account required. All 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. Youth ages 13–18 can open a Youth Savings account online. For children under 13, please visit a branch to open an account.
Greenlight Debit Card + App
MountainOne customers can get the debit card and money app for families for free5 through our partnership with Greenlight.
- Kids Learn to Earn, Save, and Spend
- Flexible Controls for Parents
- Chores and Allowance Management
- Send Money Quickly
- Play Financial Literacy Games
- FREE5 for MountainOne Customers
Learn More about Greenlight
- Kids Learn to Earn, Save, and Spend
- Flexible Controls for Parents
- Chores and Allowance Management
- Send Money Quickly
- Play Financial Literacy Games
- FREE5 for MountainOne Customers
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.
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. ↩
3MountainOne Bank does not charge foreign ATM fees, but other institutions may assess a surcharge. ↩
4Maintain an average daily combined balance of $2,500 in VISTA Premier Checking and VISTA Personal Money Market to avoid a $10 monthly maintenance fee.
5MountainOne Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their MountainOne Bank checking or savings account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 10/27/2028. Offer subject to change or renewal.