Business Deposit Products

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



Vantage Bank Texas 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 Coverage learn more here.
  • Access to 55,000 surcharge-free ATMs worldwide within the Allpoint ATM network
  • Cash Management
  • Remote Deposit Capture

Account Details

Minimum to Open: $100.00

Minimum Balance Requirement: There is no monthly balance requirement fee if your average current balance is $5,000.00 or more for the statement cycle.

Minimum Monthly Balance Requirement Fee: $15.00

Transaction Fees: 300 transactions included per month. Transactions in excess of 300 will be charged at $0.30 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.

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

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 Texas Business Analysis Checking

Effective July 1, 2018, account analysis charges have been modified. For more information, call us at 1-877-627-9099 or email us.

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(1) can offset transaction activity fees
  • Cash Management

Account Details

Minimum to Open: $100.00

Monthly Balance Requirement Fee: Based on Transaction Fees. Contact us for the most updated Account Analysis Fee 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.

Disclosures:
(1)We use the Current 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 non cash items (for example checks) based on the Average Collected Balance.

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 Texas 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 learn more here

Account Details

Minimum to Open: $100.00

Monthly Balance Requirement Fee: $9.00

Minimum Balance Requirement: A monthly balance requirement fee of $9.00 will be assessed for any statement cycle in which the average current balance falls below $200.00.

Excess Transaction fees: An excess transaction fee of $2.00 will be charged for each transfer/withdrawal in excess of 6 each month.

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.

Other Disclosures:
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.

The average current balance is calculated by adding the principal in the account for each day of the statement cycle and dividing that figure by the number of days in that statement cycle.

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 Texas 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 rates(1)
  • Access to funds 24/7 through ATM or Online Banking
  • Link your checking account to your savings account for Overdraft Protection learn more here

Account Details

Minimum to Open: $100.00

Monthly Balance Requirement Fee: $15.00

Monthly Balance Requirement: If your average current balance falls below $2,500.00 during the statement cycle, you will be charged a $15.00 monthly balance requirement fee.

Excess Transaction fees: An excess transaction fee of $10.00 will be charged for each transfer/withdrawal in excess of 6 each month.

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

Other Disclosures:
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.

The average current balance is calculated by adding the principal in the account for each day of the statement cycle and dividing that figure by the number of days in that statement cycle.

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.



Business 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.

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



Online Banking

Enjoy the flexibility and convenience of managing your money right from your desktop, whenever you want. Vantage Bank Texas offers all of our personal and business customers online banking and bill payment services at no extra charge when you maintain any Vantage Bank Texas account.

With Online Banking you can:

  • View Account and Loan Balances
  • Search for Account Transactions
  • View, Print or Save Bank Statements and Check Images (Free e-Statements!)
  • Transfers Funds between your eligible Vantage Bank Texas Accounts
  • Order Copies of Statements and Checks
  • Pay Bills Online
  • Send a Message to Customer Service

Enroll Today Mobile Banking & Text Banking- Learn More! 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.

Other Disclosures:
Other service fees may apply.
Online banking is available to Vantage Bank Texas customers only.
For additional fees, refer to our Common Features disclosure.
For additional information on the terms and conditions pertaining to this account, refer to our Terms and Conditions disclosure.
For additional information on electronic funds transfers, refer to our Electronic Funds Transfer (EFT) disclosure.



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