At Vantage Bank Texas, we know you depend on having easy access to your money right when you need it. That’s why Vantage Bank Texas has joined the Allpoint ATM Network. This means as a Vantage Bank Texas customer, you can use any Vantage Bank Texas ATM at over 55,000 Allpoint ATMs worldwide with no surcharge-fee*!
At Vantage Bank Texas, we know you depend on having easy access to your money right when you need it. That’s why Vantage Bank Texas has joined the Allpoint ATM Network. This means as a Vantage Bank Texas customer, you can use any Vantage Bank Texas ATM at over 55,000 Allpoint ATMs worldwide with no surcharge-fee*! Search for Allpoint and Vantage Bank Texas ATMs near you by visting the locations page.
Download the Allpoint App to your smart phone and locate the closest ATM wherever you are!
*Other service fees may apply. No ATM fees on transactions conducted within the Allpoint Network or at Vantage Bank Texas owned ATMs. Other institutions may assess a fee for ATM use. If your card is lost or stolen please contact us immediately at 1-210-408-5700, toll free 1-866-580-7262.
For more questions regarding our OREO properties and their availability please contact Kathy O’Brien, Credit Administration Manager, Special Assets, at 210.408.5707 or Click Here.
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Corporate Account Takeover is when cyber-thieves gain control of a company’s bank account by stealing the valid online banking credentials. Although there are several methods being employed to steal credentials, the most prevalent involves malware that infects the computer workstations and laptops.
A business can become infected with malware via infected documents attached to an e-mail or a link contained within an e-mail that connects to an infected web site. In addition, malware can be downloaded to users’ workstations and laptops by visiting legitimate websites – especially social networking sites – and clicking on the documents, videos or photos posted there. This malware can also spread across a company’s internal network.
The malware installs key logging software on the computer, which allows the perpetrator to capture a user’s credentials as they are entered at the financial institution’s web site. Sophisticated versions of this malware can even capture token‐generated passwords, alter the display of the financial institution’s web site to the user, and/or display a fake web page indicating that the financial institution’s web site is down. In this last case, the perpetrator can access the company’s account online without the possibility that the real user will log in to the web site.
Once installed, the malware provides the information that enables the cyber-thieves to impersonate the business in online banking sessions. To the financial institution, the credentials look just like the legitimate user. The perpetrator has access to and can review the account details of the business, including account activity and patterns, and ACH and wire transfer origination parameters (such as file size and frequency limits, and Standard Entry Class [SEC] Codes).
The cyber-thieves use the sessions to initiate funds transfers, by ACH or wire transfer, to the bank accounts of associates within the U.S. These accounts may be newly opened by accomplices or unwitting “money mules” for the express purpose of receiving and laundering these funds. The accomplices or mules withdraw the entire balances shortly after receiving the money, and then send the funds overseas via over-the-counter wire transfer or other common money transfer services.
The cyber-thieves appear to be targeting small- to medium-sized businesses, as well as smaller government agencies and nonprofits, for several reasons:
Note any changes in the performance of your computer such as:
Ninety two percent of respondents to a recent survey indicated employee education of small business employees was effective in reducing the threat of account takeover. However, nearly 80 percent of respondents to a small business survey said they had no formal internet security policy, with almost half indicating they provide no internet safety training to employees.
The best way to protect against corporate account takeover is a strong partnership with your financial institution. Work with your bank to understand security measures needed within the business and to establish safeguards on the accounts that can help the bank identify and prevent unauthorized access to your funds.
A shared responsibility between the bank and the business is the most effective way to prevent corporate account takeover. Consider these tips to ensure your business is well prepared:
At Vantage Bank Texas, we know that money can be a challenge to manage. That is why we have tools such as financial education links to help you manage your finances.
Money Smart is an online comprehensive financial education curriculum offered by the FDIC. It is designed for individuals outside the financial mainstream or lacking financial education to enhance their financial skills. This Computer-Based Instruction (CBI) program is a friendly and easy to use learning tool that teaches the 10 modules of the Money Smart curriculum through a computer.
(The CBI is for users age 13 and over and each module generally takes between 20-30 minutes to complete.)
Security is critically important and we place the highest value on respecting and protecting your personal information.