Business Banking

At Vantage Bank Texas, our people know you want services that can give you the advantage.

Business Banking Accounts

At Vantage Bank Texas, our people know you want services that can give you the advantage. We take the time and use our expertise to offer tailored, personal solutions for your banking needs. Check out which advantage may be right for you. Compare our Business Banking Accounts:

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Features and benefits Business Classic Checking Business Analysis
Opening deposit $100 $100
Monthly balance requirement to avoid a fee $5,000* N/A
Monthly balance requirement fee $15 N/A
Transaction limit (monthly) 200(1) N/A
Interest on balances check(2) N/A
Earnings Credit Rate(3) N/A check
Remote Deposit Capture check check
Cash Management options check check
Overdraft Coverage program check N/A
Online Banking and Bill Pay check check
ATM and debit card check check
55,000+ Allpoint network surcharge free ATMs check check

(1) Transactions in excess of limit charged at $0.25ea.
(2) Restricted to Sole Proprietors and Non-Profit Organizations.

Disclosures:The Annual Percentage Yield (APY): is subject to change daily, without notice. Rates may change after the account is opened. Other service fees may apply. Fees may reduce earnings. Overdraft or non-sufficient funds fees may apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

(3) Cash Management: Products and services are subject to approval and separate service fees (ACH, Remote Deposit Capture). Account Analysis Earnings Credit Rate (“ECR”): We use the Daily Balance Method to calculate the Earnings Credit allowance on your account. This method applies a daily periodic Earnings Credit Rate to the Average Collected Balance in the account each day. Earnings Credit allowance begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks) based on the Average Collected Balance.

International ACH Transaction (IAT) items may have payment or credit delayed due to regulatory requirements to monitor and check such transactions against certain government lists. IAT items may have payment or credit delayed due to regulatory requirements to monitor and check such transactions against certain government lists.

Savings Accounts and Money Market Deposit Accounts Transaction Limitations: During any month (4-week period), not more than 6 withdrawals or transfers to another bank account or to a non-covered transaction may be made by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, or similar order to a non-covered transactions. This Transaction Limitation includes Online Banking account transfers and bill payments. Withdrawals or transfers by mail, in person at one of our offices, or through an ATM are unlimited and are not subject to the 6 transfers or withdrawals limitation. The Bank is required to take steps to prevent excessive transactions. Transfers or withdrawals in excess of the 6 transfers or withdrawals as described may be subject to an excess transaction fee or account service fee. The Bank will require customers who continue to exceed these limits after being contacted by the Bank, to either close the account or change the account to a transaction account that the customer is eligible to maintain. Regulation D Transaction Limitations Reference: Non-Limited Transactions: Deposits, ATM cash withdrawals, ATM account-to-account transfers, transfers made in person at a Bank office or branch, automatic transfers to repay a Bank loan, withdrawals made in person, by mail, or by messenger at the Bank office or branch. Limited to 6 Transactions Per Month: Checks, point-of-sale (POS) transactions, debit card purchases, automatic transfers to another deposit account at the Bank, automatic transfers to a non-covered transaction or another institution, Online Banking transfers, bill payment, telephone transfer, including telephone banking and those initiated by phone call, fax or email through a Bank representative.

Other Disclosures: For additional account information refer to the deposit account Terms and Conditions, Electronic Funds Transfer (EFT), and other account disclosures or agreements. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items.



VANTAGE BANK BUSINESS CLASSIC CHECKING

Get ready access to your money just when you need it. Your business will get maximum convenience and flexibility with Vantage Bank Texas’ Business Classic Checking.

Features and Benefits Details

  • Business Debit Card
  • Online Banking and Bill Pay
  • Access to funds 24/7 through ATM or Online Banking
  • Link your checking account to your savings account for Overdraft Protection
  • Access to 50,000 surcharge-free ATMs worldwide within the Allpoint ATM network
  • Cash Management
  • Remote Deposit Capture

Account Details

Minimum to Open: $100

Minimum Balance Requirement: There is no monthly balance requirement fee if your average daily balance is $5000 or more for the statement cycle.

Minimum monthly balance requirement fee: $15
Transaction fees: 200 transactions included per month. Transactions in excess of 200 charged at $0.25 each.

To open an account today or for additional information, please visit your local branch or call 1-210-408-5700, toll free 1-866-580-7262.

This is a Non-interest bearing account. An interest bearing option is available to Sole Proprietorships and Non-profit organizations.

1Overdraft Coverage: Discretionary Overdraft Privilege is available, which allows you to overdraw your account up to $750 for a $35 Overdraft Fee (per item) to pay a transaction. Overdraft Protection may be a less expensive alternative by automatically transferring funds from another account to cover overdrawn amounts for a $10 transfer fee. An Overdraft Fee may apply to overdrafts created by check, ACH-automatic debits, recurring debit card payments, online Bill Pay items, or in-person withdrawals. If opted-in to Overdraft Privilege Extended Coverage, an Overdraft Fee will also apply to ATM withdrawals or other electronic means. Except as described in the Overdraft Coverage section of this page, Vantage Bank Texas will not pay items if your account does not contain available funds (including Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).

2Cash Management: Products and services are subject to approval and separate service fees (ACH, Remote Deposit Capture).

Other Disclosures: The Bank reserves the right, by law, to block the account from further activity or to close the account without notice. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items. For additional account information and Common Fee Schedule refer to the Important Account Information for Our Customers disclosure.



VANTAGE BANK BUSINESS ANALYSIS CHECKING

Vantage Bank Texas offers this checking solution for retailers and other businesses with dynamic cash flow. Offset transactional fees with higher balances based on an Earnings Credit Rate and take advantage of our Cash Management options.

Features and Benefits Details

  • Business Debit Card
  • Online Banking
  • Access to funds 24/7 through ATM or Online Banking
  • Earnings Credit Rate can offset transaction activity fees
  • Cash Management

Account Details

Minimum to Open: $100
Monthly Service Fee: Based on Transaction Fees.  Refer to Account Analysis Schedule

To open an account today or for additional information, please visit your local branch or call 1-210-408-5700, toll free 1-866-580-7262.

1We use the Daily Balance Method to calculate the Earnings Credit allowance on your account. This method applies a daily periodic Earnings Credit Rate to the Average Collected Balance in the account each day. Earnings Credit allowance begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks) based on the Average Collected Balance.

2Cash Management: Products and services are subject to approval and separate service fees (ACH, Remote Deposit Capture).

Other Disclosures: The Bank reserves the right, by law, to block the account from further activity or to close the account without notice. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items. For additional account information and Common Fee Schedule refer to the Important Account Information for Our Customers disclosure.



VANTAGE BANK BUSINESS SAVINGS

Set money aside and be ready whenever you need it as your business grows. This flexible account is ideal for the needs of smaller businesses.

Features and Benefits Details

  • Competitive interest rate
  • Access to funds 24/7 through ATM or Online Banking*
  • Link your checking account to your savings account for Overdraft Protection*

Account Details

Minimum to Open: $100
Monthly Service Fee: $5
Minimum Balance Requirement: A monthly balance requirement fee of $5 will be imposed every statement cycle if the balance in the account falls below $25 any day of the cycle.
Excess Transaction fees: An excess transaction fee of $2 will be charged for each withdrawal in excess of 6 each month.

Per Month Transaction Limitations*

Non-Limited Transactions:

  • Deposits
  • ATM cash withdrawals and ATM account-to-account transfers
  • Transfers made in person at a Bank office/ branch
  • Automatic transfers to repay a Bank loan
  • Withdrawals made in person, by mail, or by messenger at the Bank office/ branch

Limited to 6 Transactions:

  • Checks, point-of-sales (POS) transactions or debit card purchases
  • Automatic transfers to another deposit account at the Bank
  • Automatic transfers to a third party or another institution
  • Online Banking transfers and bill payments
  • Telephone transfers, including telephone banking, and those initiated by phone call, fax or e-mail through a Bank representative.

To open an account today or for additional information, please visit your local branch or call 1-210-408-5700, toll free 1-866-580-7262.

1Overdraft Coverage: Discretionary Overdraft Privilege is available, which allows you to overdraw your account up to $750 for a $35 Overdraft Fee (per item) to pay a transaction. Overdraft Protection may be a less expensive alternative by automatically transferring funds from another account to cover overdrawn amounts for a $10 transfer fee. An Overdraft Fee may apply to overdrafts created by check, ACH-automatic debits, recurring debit card payments, online Bill Pay items, or in-person withdrawals. If opted-in to Overdraft Privilege Extended Coverage, an Overdraft Fee will also apply to ATM withdrawals or other electronic means. Except as described in the Overdraft Coverage section of this page, Vantage Bank Texas will not pay items if your account does not contain available funds (including Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).

Transaction Limitations: You are permitted to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per month, to another account (including a transaction account) at Vantage Bank Texas or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order payable to third parties.

Other Disclosures: Rates may change after the account is opened. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items. Fees may reduce earnings. For additional account information and Common Fee Schedule refer to the Important Account Information for Our Customers disclosure.



VANTAGE BANK BUSINESS MONEY MARKET

Keep your cash reserves safe and productive with our money market account tailored specially for business customers. Earn more in interest with greater balances while maintaining ready access to your money when you need it.

Features and Benefits Details

  • Tiered interest rates1
  • Access to funds 24/7 through ATM or Online Banking*
  • Link your checking account to your savings account for Overdraft Protection*

Account Details

Minimum to Open: $100

Monthly Balance Requirement Fee: $10

Monthly Balance Requirement: If your average balance falls below $2,500.00 during the statement cycle, you will be charged a $10.00 service fee. Transaction fees: A debit transaction fee of $2.00 will be charged for each withdrawal in excess of 6 non-covered transactions during a month.

A debit transaction fee of $10.00 will be charged for each withdrawal in excess of 6 non-covered transactions during a statement cycle.

Per Month Transaction Limitations

Non-Limited Transactions:

  • Deposits
  • ATM cash withdrawals and ATM account-to-account transfers
  • Transfers made in person at a Bank office/ branch
  • Automatic transfers to repay a Bank loan
  • Withdrawals made in person, by mail, or by messenger at the Bank office/ branch

Limited to 6 Transactions:

  • Checks, point-of-sale (POS) transactions or debit card purchases
  • Automatic transfers to another deposit account at the Bank
  • Automatic transfers to a third party or another institution
  • Online Banking transfers and bill payments
  • Telephone transfers, including telephone banking, and those initiated by phone call, fax or e-mail through a Bank representative.

To open an account today or for additional information, please visit your local branch or call 1-210-408-5700, toll free 1-866-580-7262.

Disclosures
1Interest rate “tiers” will be determined by the Average Current Balance for the statement cycle.

Money Market Deposit Accounts Transaction Limitations: During any month (4-week period), not more than 6 withdrawals or transfers to another bank account or to a non-covered transaction may be made by means of a pre-authorized, automatic transfer or telephonic order or instruction, whether initiated by check, draft, debit card, or similar order to a non-covered transactions. This Transaction Limitation includes Online Banking account transfers and bill payments. Withdrawals or transfers by mail, in person at one of our offices, or through an ATM are unlimited and are not subject to the 6 transfers or withdrawals limitation. The Bank is required to take steps to prevent excessive transactions. Transfers or withdrawals in excess of the 6 transfers or withdrawals as described may be subject to an excess transaction fee or account service fee. The Bank will require customers who continue to exceed these limits after being contacted by the Bank, to either close the account or change the account to a transaction account that the customer is eligible to maintain.

Regulation D Transaction Limitations Reference: Non-Limited Transactions: Deposits, ATM cash withdrawals, ATM account-to-account transfers, transfers made in person at a Bank office or branch, automatic transfers to repay a Bank loan, withdrawals made in person, by mail, or by messenger at the Bank office or branch. Limited to 6 Transactions Per Month: Checks, point-of-sale (POS) transactions, debit card purchases, automatic transfers to another deposit account at the Bank, automatic transfers to a non-covered transaction or another institution, Online Banking transfers, bill payment, telephone transfer, including telephone banking and those initiated by phone call, fax or email through a Bank representative. UIGEA: The Bank has adopted and will adhere to UIGEA. Unlawful Internet Gambling means to place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such a bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made. The Bank reserves the right, by law, to block the account from further activity or to close the account without notice. International ACH Transaction (IAT) items may have payment or credit delayed due to regulatory requirements to monitor and check such transactions against certain government lists. IAT items may have payment or credit delayed due to regulatory requirements to monitor and check such transactions against certain government lists. Other Disclosures: Interest rates may change after the account is opened. There is no minimum withdrawal. Other service fees may apply. Fees may reduce earnings. For additional account information refer to the deposit account Terms and Conditions, Electronic Funds Transfer (EFT), and other account disclosures or agreements. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items.



Certificates of Deposit (CDs)

Certificates of Deposit accounts help to keep your money safe and growing over a fixed time period. Vantage Bank Texas offers a variety of competitive fixed-rate CD terms.

Advantages:

  • Earn a fixed interest rate
  • Maximize your savings

To open an account today or for additional information, please visit your local branch or call 1-210-408-5700, toll free 1-866-580-7262.

A penalty is imposed for early withdrawal. Other restrictions or service fees may apply. Fees may reduce earnings.

For additional account information refer to the Important Account Information for Our Customers. Deposits may not be available for immediate withdrawal, subject to bank regulations pertaining to check collection schedules and holds on deposited items.



Cash Management Solutions

Save time and money and have the information and services you need right at your fingertips. At Vantage Bank Texas, our expert bankers will help you find the right Cash Management Solutions to streamline your business operations. Take a look at our offerings to see what’s right for your needs.

Merchant Services

In merchant services, as in most of banking, there is no one product that suits every client. Vantage Bank Texas in parnership with Security Card Service, offers each merchant the technology most suited to your business - whether you process a handful of transactions a week or millions.
From check and card readers to point-of-sale, contactless, and wireless terminals, we offer an array of products and services through many respected manufacturers to ensure you can handle any client payment method.

person doing a payment on a computer

Grow your revenue by expanding your payments possibilities

We offer payment solutions to help make your payment processing more efficient and profitable. Our quality and service, combined with our proven payment industry expertise, uniquely positions us to meet the needs of your business now and in the future.

  • Quick and seamless startup
  • Terminal, Point-of-Sale systems, Mobile and Internet based solutions
  • Customized Gift Card
  • Accept all Major Credit and Debit Cards. Visa®, MasterCard®, Discover®, American Express®, JCB® and Fleet Cards
  • Customized Online Reporting
  • Equipment Assurance Program
  • 24/7/365 Technical Support

To apply today or for additional information call 1-877-627-9099 or email us.

Disclosures
(1) Subject to approval.
(2) Restrictions and other service fees may apply.
(3) Merchant Services is available to eligible and qualified business customers only.

Terminals and Point-of-Sale Solutions

  • Improve cash flow with our quick and reliable settlement for funding payments into your bank account.
  • Accept chip cards with our EMV ready solutions.
  • Choose from cloud connected, tablet based POS systems for payment processing and business management.
  • Versatile terminal options based on your connectivity needs: dial-up, Ethernet, contactless and Bluetooth.
  • Collect customer data to better market to your customers and increase sales.

Mobile Solutions

  • Turn your smart phone or tablet into a device with all the payment processing power you need through our encrypted card reader.
  • Swipe and process card payments quickly and securely, at a fraction of the cost of wireless terminal.
  • Manage payments in the palm of your hand with our app ( available for both Apple and Android)

Security Solutions

  • Offers Payment Card Industry compliance and validation support.
  • Provides enhanced security solutions to help protect your business.

Debit Card Processing

  • Authorization and payment of PIN-based and signature-based debit transactions.

Online Reporting Portal

  • Convenient one-stop resource center to access statements, transaction detail and payment summaries.
  • Review chargeback and retrieval request.
  • Export Excel, CSV, and PDF file formats for easier reconciliation and accounting purposes.

Internet Solutions

  • Improve sales, enhance customer satisfaction and reduce fraud risk by accepting payments through your website.
  • Secure your client data through an internet-based, real time credit and check payment application which has the highest levels of encryption and security protocols. Our leading Internet Protocol(IP)-based payment gateways provide solutions that you can trust.
  • Manage your payments, search for customer data, customize email receipts, set up recurring payment schedules, and configure fraud tools to help deter unauthorized transactions.

Gift Cards

  • Customize gift cards with your brand, or select one of our simple card designs.
  • Track usage and offer rewards.
  • Promote your business, encourage repeat customers and increase your sales.


Remote Deposit Capture (RDC)

Spend your time making your business grow-not making trips to the bank. Our secure Remote Deposit Capture system gives you a safe and easy way to scan and deposit checks right from your place of business, any time.

person doing a payment on a computer

Advantages

    • Saves time and money by minimizing trips to the bank
    • You can store the digital check image for up to 2 years
    • This system is accessible 24/7 on your office computer
    • Faster notifications of return items
    • Reporting capabilities
    • Easy to follow instructions and interface makes depositing through RDC an easy and simple process

To access the RDC login, click here

For setup information, please visit your local branch or please call us at 1-877-627-9099 or email us.

Disclosures
(1) Subject to approval.
(2) Any deposits made before 7 pm will post to the designated account the same business day, however check deposits may be subject to holds.
(3) RDC is currently available to Business customers only. Original check items must be retained for a minimum of 15 days from date of deposit in a secured and limited access area. After 15 days from deposit, the original check items must be destroyed no later than 60 days from the date of deposit.
(4)Other service fees may apply.



Automatic Clearing House (ACH)

Take charge of your cash with up-to-the-minute information and maximum flexibility. ACH allows businesses to make secure electronic payments to vendors, employees, and even government agencies.

person doing a payment on a computer

Advantages

  • Save time & money by minimizing paper checks and postage fees
  • Increase employee satisfaction with direct deposit
  • Reduce the risk of paper check fraud
  • Control when payments clear your account
  • Manage excess cash with cash concentration
  • Improve efficiency by scheduling payments in advance

For setup information, please visit your local branch or please call us at 1-877-627-9099 or email us.

What Kind of Payments?

  • Direct deposits
  • Vendor payments
  • Tax payments
  • Government agency payments
  • Cash concentration

Disclosures
(1) Subject to approval.
(2) ACH is currently available to Business customers only.
(3) We require a minimum 2 day processing time for ACH submissions.
(4) Other service fees may apply. Please refer to our ACH Originator Agreement and ACH Provisions for more information on ACH services and fees.