• Real time access to account balances and transaction information, including images of checks paid

• Real time transfers between VIST Financial accounts, including commercial loan payments and advances (subject to account officer approval)

• View canceled checks online

• Initiate ACH disbursements or electronic bill payments

• Initiate electronic payments through ACH debit

• Initiate direct deposit of employee payroll by creating an ACH file online

• Transmit NACHA formatted ACH files created in software of the customer's choice (File Upload)

•  Make Federal and/or State Tax Payments

• Initiate daily ACH limits for each entitled ACH service; specifically ACH collections, ACH file upload, ACH Payments, Federal Tax and State Tax

• Send wire transfer and stop payment requests to the Bank

• Initiate User Activity Report which will allow non-administrative users to view their own activity history as well as allowing administrative users to view their own activity history and the activity history for any user with their company

• Download transaction history to Microsoft® Money, Intuit® Quicken/Quickbooks or to a CSV file

If you require transfer capability between accounts, please click here to access the Business Web Banking Transfer Authorization Form. You will be required to sign the form and mail to VIST Financial, Customer Service Center, P.O. Box 741, Leesport PA, 19533. 

• Real-time access to deposit and loan accounts for balance and transaction information

• Real-time transfers between deposit accounts. View canceled checks online

• Post Stop Payment requests to the bank

• Initiate bill payments

• Download account activity to Microsoft® Money, Intuit® Quicken or to a CSV file

If you require transfer capability between accounts, please click here to access the Business Web Banking Transfer Authorization Form. You will be required to sign the form and mail to VIST Financial, Customer Service Center, P.O. Box 741, Leesport PA, 19533.

Pricing for Web Banking for Business may vary depending on your business's needs. For more information, Contact Us Or call Business Solutions at 610.603.7252.

• Option 1. Advance from Line of Credit after depleting all available Concentration Account and Repurchase Account funds. The Line of Credit will be repaid first with excess funds in the Concentration Account; once the Line of Credit is paid down, funds will sweep into the Repurchase Account.

• Option 2. Advance from Line of Credit after depleting all available Repurchase Account funds.  Line of Credit will not be paid down by the sweep process. Excess funds in the Concentration Account will continue to sweep into the Repurchase Account.

• $500 minimum opening balance.

• Higher yields than other savings options.

• $25,000 minimum daily balance to avoid a monthly maintenance fee.

• Access to your account 24/7 with our free Web Banking for viewing purposes and free *Automated Telephone Banking.

• FREE unlimited in person deposits, transfers and withdrawals.

• Up to (6) pre-authorized transfers per statement cycle.

• Monthly and at month end statement cycle.

Our Business Solutions Savings account is in compliance with the Commonwealth of Pennsylvania Act 72 of 1971 (P.L. 281). VIST will supply the collateralization letter on funds in excess of $100,000, as required by the Act.

• Consolidate accounts

• Reduce posting errors

• Reduce fraud

• Speed up your access to funds

• Reduce time to research the checks and deposit

• Make deposits at your convenience

• Reduce document loss

• The bank will transfer the balance of the Commercial Checking Account(s) in excess of the target balance after the close of business to the Line of Credit as a payment daily. The bank will transfer line advances to the Commercial Checking Account to restore the Commercial Checking Account to a positive balance.

• Earn interest daily at current market rates, thereby eliminating idle balances.

• Combine your Super NOW account with a Zero Balance account such as payroll, thus eliminating the need to transfer funds.

• All Super NOW deposits are deposits of VIST; therefore, the funds are reinvested within our community.

Also, Super Now accounts are in compliance with the Commonwealth of Pennsylvania Act 72 of 1971 (P.L. 281).  VIST Financial will supply the collateralization letter on funds in excess of $100,000, as required by the Act.

• Link a Business Statement Savings or Business Horizon Money Fund.

• As overdrafts occur, funds are transferred from the savings to the checking in increments of $100.00 with no per transfer fees.

• You may also combine your business checking with your commercial line of credit.

• Funds are transferred from the selected line of credit to the checking in exact increments** with no per transfer fees.

• Compliance restrictions do apply to these types of accounts.

* This product not available to municipalities/public funds

** Up to the established credit line 

• An Investment Account may be linked to one Commercial Checking Account considered the Concentration Account.

• Concentration Account may be linked to one or more zero balance sub-accounts (sub-accounts must be Commercial Checking accounts).

• Excess funds in the sub-accounts, if applicable, are swept to the concentration account at the end of the day. Funds above the established target balance are automatically swept into the Investment Account at the end of the day and are used to purchase securities from VIST under an arrangement whereby the bank agrees to repurchase those same securities on the next business day.

• Funds are transferred back into the concentration account the following morning.

• Funds are automatically transferred from the concentration account to the sub-account(s) to cover daily transaction activity.

• Repurchase Agreement security transactions are not insured by the FDIC, nor are these funds considered deposits of VIST Bank. These arrangements require that the Bank notify the customer on a daily basis regarding the selling and purchasing of the security and the associated consideration for the repurchase agreement.

• Available for any business customer who has multiple Commercial Checking accounts.

• Business customers can link multiple sub-accounts to one concentration account.

• Sub-accounts may be those used for payroll, expense accounts, tax accounts, and so on, to improve the company's use of cash.