Vista Checking Questions and Answers

What happens if I do not meet the monthly requirements for Vista Checking?
Interest is not paid and ATM fees are not refunded for that statement cycle, a $1.00 fee will be charged for each ATM transaction at any ATM other than at a Peninsula Credit Union location.

What is the minimum and maximum balance for Vista checking to earn dividends?
There is no minimum nor limit.

Can the interest change on my Vista account?
Yes. The interest rate can change.

Do I have to do anything in order to get my ATM refund?
No. Upon meeting the monthly requirements, ATM refunds will automatically be posted to the account.

If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, if the requirements are met.

If I fail to meet the requirements during this statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, each month is viewed as a new requirement period.

What is the statement cycle for Vista Checking?
For dividend and qualification calculation purposes, a month is defined as the last day of the month to the day before the last day of the next month.

If I use my Debit Card at an ATM, will that transaction count towards my requirements?
No. ATM/Cash withdrawals do not count towards this requirement. Only Debit Card point of sale (purchase) transactions count.

May I “carry forward” Debit Card transactions in excess of the required number to the next statement cycle?
No. Since there is no limit on the maximum number of transactions allowed, each month starts over the requirement cycle.

Must I access my e-statement online in order to qualify for Vista Checking?
No. You need only to sign up with a valid email address so we can we send you a notice when your statement is ready to be viewed. You do not have to login and access your statement.

Can I have a Vista Checking account if I don’t own a computer?
Yes, as long as you have a valid e-mail account. Free e-mail accounts are available through several different websites. Peninsula Credit Union provides free access to online accounts. Public libraries have internet access to help with this. Some free e-mail service companies are Gmail, Hotmail and Yahoo.

Is there a minimum balance requirement in order to receive my rewards?
The Credit Union does not require a minimum balance as long as the requirements are met. In order to receive the stated dividend rate, the average daily balance must be $0.01.

Is there a limit on the amount of ATM refunds that I can receive during a statement cycle?
No, as long as the requirements are met, all ATM transaction fees will be refunded.

Will I be able to use my existing Debit Card, checks, and account number with my Vista Checking account or will those all change?
All of your current Checking account information will still be used. There is no need to change any of it.

How can I convert my current checking account to a Vista Checking account?
A Member Services Representative can help you convert your current checking account to Vista.

Can I have more than one Vista Checking account?
Yes, members can have as many Vista accounts as they want, as long as they meet the requirements for each account.

Can this be used as a business account?
No. This account is for consumer use only.

Does Vista include free checks?
No, prices vary depending on the style you choose.