Personal Deposit Products

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

Personal 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 personal banking accounts:

pen-banner
FEATURES AND BENEFITS Classic Checking Rewards checking
Opening deposit $100 $100
Minimum average current balance to avoid a monthly balance requirement fee $1,500 $1,500
Direct deposit of $250 or more to avoid a monthly balance requirement fee check check
Monthly balance requirement fee $10 $15
Earn interest on balances N/A (up to 2.12% APY)1
Overdraft Privilege Program2 check check
Overdraft Protection Program2 check check
Online Banking and Bill Pay check check
ATM and debit card check check
Out of network ATM rebates3 N/A check
55,000+ Allpoint network surcharge free ATMs check check

1The APY is accurate as of 08/17/2017. “APY” means the Annual Percentage Yield, which may change without notice after the account is opened. Tier rates are based on whether qualifiers are met and balances maintained in the account. If you meet the qualifiers and your average current balance is $50,000.00 or less, the interest rate paid on the entire balance will be 2.10% with an annual percentage yield of 2.12%. If you meet the qualifiers and your average current balance is greater than $50,000.00, an interest rate of 0.25% will be paid only for that portion above $50,000.00. The annual percentage yield for this tier will range from 2.12% to 0.25%, depending on the balance of the account. If you do not meet the qualifiers, you will receive an interest rate of 0.05% and APY of 0.05% on the full amount of your average current balance. See the Vantage Bank Rewards Checking product for qualifier details. Fees may reduce earnings.

2Overdraft 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).

3Out of network ATM fee rebates: Non-owned/non-Allpoint ATM fees will be rebated if all Vantage Bank Rewards Checking qualifiers are met. See the Vantage Bank Rewards Checking product for qualifier details.

4Other Disclosures: 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.



Personal Classic Checking

Get access to your account anytime, anywhere with great Vantage benefits.

Features and Benefits Details

Account Details

Minimum to Open: $100

Minimum Balance Requirement: There is no monthly balance requirement fee if you have one direct deposit of at least $250 or if your average daily balance is $1,500 or more for the statement cycle.

Monthly Balance Requirement Fee: $10

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.

1Out-of-network ATMs may assess a fee for ATM use.

2Data and messaging rates may apply.

3Overdraft 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).

4Other Disclosures: 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 Rewards Checking

Earn 2.12% APY1 on balances up to $50,000

Rebates for ATM surcharge fees!

Three Easy Monthly Qualifiers!

  • 15 Debit Card purchases of any amount
  • 1 Direct Deposit of $250 or 1 ACH debit
  • Receive E-Statements via Online Banking

Minimum to open: $100

Minimum Balance Requirement: There is no monthly balance requirement fee if you have one direct deposit of at least $250 or if your average daily balance is $1,500 or more for the statement cycle.

Monthly Balance Requirement Fee: $15

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.

AVERAGE CURRENT BALANCE TIERS APY1
$0 – $50,000 (when qualifiers are met) 2.12%
Greater than $50,000 (when qualifiers are met) 2.12%-0.25%
Base Rate (when qualifiers are not met) 0.05%

1The APY is accurate as of 08/17/2017. “APY” means the Annual Percentage Yield, which may change without notice after the account is opened. Fees may reduce earnings.

2Rewards Checking accounts are limited to two accounts per household. For additional account information and Common Fee Schedule refer to the Important Account Information for Our Customers disclosure.



Personal Order Checks Online

Order your checks online from Harland Clarke, our preferred check provider. Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential. Choose from a variety of check designs online and check accessories.

Click here to order your checks online



Personal Savings

The Vantage Bank Texas Savings account helps keep your money safe and productive for whenever you need it.

Features and Benefits

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

Account Details

  • Minimum to Open: $100
  • Monthly Balance Requirement 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 fee: 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-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.

Transaction Limitations: You are permitted to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle, 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.



Personal Money Market

The Vantage Bank Texas money market helps keep your money safe and productive for whenever you need it.

Features and Benefits

  • Tiered interest rates
  • Access to funds 24/7 through ATM or Online Banking
  • Link your checking account to your money market 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.

Transaction Limitations: You are permitted to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle, 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.

There is no minimum withdrawal amount.



Personal 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.



Overdraft Coverage

Vantage Bank Texas understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

WHAT ARE MY OVERDRAFT COVERAGE OPTIONS?

The choice is yours. Consider these ways to cover overdrafts:

Service Cost
Overdraft Protection link to another deposit acccount you have at Vantage Bank Texas1
$10 transfer fee (not per item)
Overdraft Privilege $35 Overdraft Fee per item.

1Contact us at 866-580-7262, support@vantagebank.com, or at any branch to sign up.

WHAT IS OVERDRAFT PROTECTION?

Overdraft Protection services apply to all types of transactions. It may help protect your account from being overdrawn by automatically transferring funds to your checking account from a designated account you may have at Vantage Bank Texas, for the $10 transfer fee (per transfer).

WHAT IS OVERDRAFT PRIVILEGE?

Overdraft Privilege allows you to overdraw your account up to $750 for a $35 Overdraft Fee (per item) in order to pay a transaction.

Vantage Bank Texas may provide you a specific Overdraft Privilege limit depending on the type of account you have. You will receive a letter approximately 60 days after account opening informing you that Overdraft Privilege (Standard Coverage) has been activated on your account. You do not have Overdraft Privilege until you receive this notification.

Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if Overdraft Protection is exhausted.

WHAT TYPES OF TRANSACTIONS DOES OVERDRAFT PRIVILEGE COVER?

The types of transactions covered by Overdraft Privilege depend on the coverage selected. See the table below for more information.

If you chose Extended Coverage, all the transaction types listed in Standard Coverage are included, along with ATM withdrawals and everyday debit card transactions. Vantage Bank Texas will not authorize overdrafts for everyday debit card and ATM transactions on consumer accounts unless you give us your consent to pay these overdrafts by electing Extended Coverage. Business accounts automatically have Extended Coverage.

Standard Coverage
(No action required)
Extended Coverage
(Your consent required*)
Checks check check
ACH – Automatic Debits check check
Recurring Debit Card Payments check check
Online Bill Pay Items check check
At the Teller Windows check check
ATM Transactions check*
Everyday Debit Card Transactions check*

Please be aware that the Overdraft Privilege amount is not included in your balance provides through online banking, telephone banking or Vantage Bank Texas ATMs.

HOW MUCH DOES OVERDRAFT PRIVILEGE COST?

There is no fee for having Overdraft Privilege unless you use it. An Overdraft Fee of $35 will be imposed for each overdraft created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. If multiple items overdraw your account on the same day, each item will be assessed the fee. This is the same fee amount that Vantage Bank Texas charges for items returned to the payee due to insufficient funds.

The maximum amount of Overdraft Fees that we will charge to your personal account is $175 per day. The daily maximum amount of Overdraft Fee charged does not apply to business accounts. We will not charge an Overdraft Fee if your account is overdrawn by $5 or less.

All fees and charges will be included as part of the Overdraft Privileges limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of assessment of an Overdraft Fee. The total negative balance, including all fees and charges, is due and payable upon demand. Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Important Account Information for Customers disclosure.

WHAT IF I DON´T WANT OVERDRAFT PRIVILEGE?

You can request to discontinue the Overdraft Privilege service in its entirety at any time by contacting us at 866-580-7262 or sending us an email at support@vantagebank.com. Without Overdraft Privilege, your non-sufficient funds items will be returned to the payee and/or declined at the point of purchase, unless you have Overdraft Protection available to cover the item(s). You will be charged the standard Non-sufficient Funds Fee of $35 for each returned item.

WHAT IF I WANT VANTAGE BANK TEXAS TO PAY MY ATM AND EVERYDAY DEBIT CARD OVERDRAFTS (EXTENDED COVERAGE)?

For personal accounts, if you wan us to authorize and pay overdraft caused by ATM and everyday debit card transactions (Extended Coverage), notify us via one of these channels:

Note: Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions. (Extended Coverage)

WHAT ELSE DO I NEED TO KNOW?

  • We post items in the following order: 1) credits, 2) ATM and debit card transactions (order received), 3) ACH transactions (highest to lowest), 4) checks (check number order); however, exceptions will occur. Holds on funds (described in this brochure)  and order in which transactions are posted may impact the total amount Overdraft Fees or Non-Sufficient Founds Fee assessed.
  • Although under payment system rules, Vantage Bank Texas may be obligated to pay some per-authorized debit card transactions, Vantage Bank Texas will not authorized debit card or ATM transactions unless there are sufficient available funds (including overdraft coverage) to cover the transactions amount of any fee(s).
  • Giving us your consent to pay every day debit card and ATM overdrafts on your personal account may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, this may allow us to authorize transactions up to the amount of your Overdraft Privilege limit and also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card.
  • Vantage Bank Texas authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) less any debit card holds, and does not include any deposited funds on hold. Vantage Bank Texas may place a hold on deposited funds in accordance with our Important Account Information for Customers disclosure. If the funds in the available balance are not sufficient to cover a transaction, any available Overdraft Protection and/or the amount of the the Overdraft Privilege limit may be used to authorize and pay a transaction.
  • Vantage Bank Texas will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Except as described in this brochure, Vantage Bank Texas will not pay items if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of available funds in your account including any Overdraft Privilege limit. If you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s) if your debit card is ever suspended.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty (30) days for minimum of one business day.



Debit Card

Pay via debit or credit or withdraw cash from an ATM with a Vantage Bank Texas Debit Card.

Click here to learn more

debitcard


Mobile Banking

Mobile Banking is a fast and secure access point to manage your Vantage Bank Texas accounts

Click here to learn more

debitcard