Personal Banking
Your money,
your rules.
A checking account, high-yield savings, and a smart card — all in one app. No fees, no minimums, no drama.
A checking account, high-yield savings, and a smart card — all in one app. No fees, no minimums, no drama.
Your everyday account with instant payments, zero fees, and a Visa debit card accepted everywhere.
Set a goal, automate contributions, and watch your money grow at 4.8% APY — one of the highest rates available anywhere.
Accepted at 50M+ locations globally with real exchange rates and zero foreign transaction fees on Plus plans.
Spend anywhere in 180+ countries at the real exchange rate. No markups, no surprises.
Lost your card? Freeze it instantly from the app. Unfreeze just as fast when you find it.
Access 55,000+ ATMs nationwide with no fees. Plus get reimbursed for out-of-network ATMs on Plus.
Earn up to 2% cash back on all purchases with a Plus plan. Automatically credited monthly.
Create virtual card numbers for online shopping. Protect your real details every time.
Get notified the moment your card is used. Know exactly where your money is going, always.
No fees, no minimums, no stress. Bella Vista Student gives you all the tools to manage your money between paychecks, split rent with roommates, and actually start saving — even on a student budget.
All plans include FDIC insurance, a debit card, and our full-featured mobile app.
Built for campus life. Free forever with your .edu email.
Perfect for getting started with a no-fee account.
More yield, global access, and premium perks.
Concierge banking with the highest limits and rates.
Any student with a valid .edu email address qualifies. There's no minimum age — high school and college students are both welcome. The Student plan stays free for as long as you're enrolled, with no automatic upgrades when you graduate.
Yes. All deposits at Bella Vista Bank are FDIC insured up to $250,000 per depositor. Your money is safe.
It takes about 3 minutes. Download the app or apply online, enter your info, and verify your identity with a photo ID. No paperwork, no branch visit required.
No. There are no minimum balance requirements on any Bella Vista plan. Keep $1 or $100,000 — we treat you the same.
Person-to-person transfers to other Bella Vista customers are instant. ACH transfers to external banks arrive in 1–2 business days, or same-day with Plus and Premium plans.
Yes, cancel or downgrade any time with no cancellation fees. Your account remains open and active regardless.
