Vantage Mobile Banking
Vantage Bank
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Reward yourself just for banking the way you do today. Turn your debit card transactions and your direct deposit into higher interest and ATM fee rebates with a Vantage Rewards Checking account.
Rewards Checking Account
Earn an outstanding 1.87% APY on balances up to $50,000 by meeting three easy qualifiers each statement cycle. Qualifiers include receiving e-statements via online banking; making at least 15 debit card purchases of any amount; and establishing 1 direct deposit of $250 or more or 1 ACH debit. (1) Additionally, if all qualifiers are met within the statement cycle, the bank will refund all ATM surcharges incurred within the U.S. during the statement cycle.
CONTACT A PERSONAL BANKERAccess 50,000+ Surcharge Free ATMs Worldwide with your Vantage Bank Texas Debit Mastercard®
Use your Vantage Bank Texas Debit Mastercard to make purchases anywhere Mastercard is accepted worldwide. Your Vantage Bank Texas Debit Mastercard or ATM card can also be used to access your funds from over 50,000 Allpoint® ATMs worldwide at no charge (1). Many Allpoint ATMs are conveniently located in Walgreen's, Target, CVS, and Circle K® stores.
LEARN MORERobust and Secure Online Banking
Vantage Bank Texas’s Online Banking is the easy and secure way to manage your accounts online. Our powerful Online Banking system not only allows you to see your account balances, but you are also able to see real-time transactions, transfer funds between Vantage Bank Texas accounts, place stop payments and download transactions directly into Quicken®, Mint® and other personal financial management applications. Online Banking is protected by a robust security and multi-factor authentication.
LEARN MOREFree Bill Pay and Electronic Billing Notices
Never mail a check again with free online bill pay from Vantage Bank Texas. Payments are made electronically or we will mail a check for you. Flexible scheduling enables convenient automatic payments. You also have the option to receive your bills directly into Online Bill Pay. Review your charges and select an amount to pay. All bill payments are guaranteed to arrive on time or Vantage Bank Texas will refund any late fees and finance charges.
LEARN MOREMobile Banking
With Vantage Bank Texas's Mobile Banking, you can manage your account from wherever you are. Deposit checks straight from the app, manage debit card usage with CardValet®, easily login with Touch ID, make person-to-person payments with Popmoney®, make transfers between your Vantage Bank Texas accounts and more.
LEARN MORENotifi Account Alerts
With secure alerts from Vantage Bank Texas, you know the moment something important happens with your account. It's easy and it’s free! (1)
LEARN MOREOverdraft Program
Vantage Bank Texas offers two Overdraft Programs that may pay items in the event your account has insufficient funds. Overdraft Protection automatically transfers available funds from another account while Overdraft Privilege may pay items and overdraw your account.
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Disclosures:
New Disclosure: The APY is accurate as of 08/12/2019. “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 daily balance is $50,000 or less, the interest rate paid on the entire balance will be 1.85% with an Annual Percentage Yield of 1.87%. If you meet the qualifiers and your average daily balance is greater than $50,000, an interest rate of 0.25% will be paid only for that portion above $50,000. The Annual Percentage Yield for this tier will range from 1.87% 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 the Annual Percentage Yield of 0.05% on the full amount of your average daily balance. Minimum opening deposit $100. Fees may reduce earnings.
If a surcharge appears during your transaction on any Vantage Bank Texas or Allpoint ATM, accept the surcharge and proceed with your withdrawal. You will not be charged the surcharge; but if it does, Vantage Bank Texas will refund you the fee. When you conduct a transaction with your Vantage Bank Texas Debit Card in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount and charge a currency conversion fee. In addition, Mastercard charges an Issuer Cross-Border Assessment on all cross-border transactions regardless of whether there is a currency conversion. These fees will be displayed on your bank account statement. For more detailed information please contact Customer Service at 1-866-580-7262.
Message and data rates may apply.
Important Account Opening Information: Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law. In addition, on legal entity accounts, we will require identification on beneficial owners and controlling person.
Monthly Account Service Charge | Details |
|---|---|
| $0 | If your average daily balance is $1,500 or higher or Direct deposit of $250 or more |
| $15 | If your average daily balance is less than $1,500 |
Average Daily Balance Tiers | APY (1) |
|---|---|
| $0 - $50,000 (when qualifiers are met) (2) | 1.87% |
| Balances greater than $50,000 (when qualifiers are met) | 0.25% |
| Base Rate (when qualifiers are not met) | 0.05% |
Disclosures:
New Disclosure: The APY is accurate as of 08/12/2019. “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 daily balance is $50,000 or less, the interest rate paid on the entire balance will be 1.85% with an Annual Percentage Yield of 1.87%. If you meet the qualifiers and your average daily balance is greater than $50,000, an interest rate of 0.25% will be paid only for that portion above $50,000. The Annual Percentage Yield for this tier will range from 1.87% 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 the Annual Percentage Yield of 0.05% on the full amount of your average daily balance. Minimum opening deposit $100. Fees may reduce earnings.
Monthly qualifiers include receiving e-statements via online banking; making at least 15 debit card purchases of any amount; and establishing 1 direct deposit of $250 or more or 1 ACH debit.
Vantage Personal Checking | Vantage Rewards Checking | Vantage Personal Interest Checking | ||
|---|---|---|---|---|
| Minimum Initial Deposit | $100 | $100 | $100 | |
| Monthly Account Service Charge | $10 | $15 | $18 | |
| To avoid the monthly account service charge, the following requirements must be met each statement cycle: | $1,500 Average Daily Balance or Direct Deposit of $250 or more | $1,500 Average Daily Balance or Direct Deposit of $250 or more | $2,000 Average Daily Balance | |
| Compounded & Credited | N/A | Monthly | Monthly | |
| Calculated based on | N/A | Average Daily Balance | Average Daily Balance | |
| Interest Bearing | No | Tiered Interest Rates (1) | Tiered Interest Rates | |
| Free E-Statement with images | Yes | Yes | Yes | |
| Paper Statement with images | $3 | $3 | $3 | |
| Free Vantage ATM Transactions (55,000+ Allpoint Network surcharge free ATMs) (2) | Yes | Yes | Yes | |
| Non-Vantage ATM Withdrawals | $3 | $3 (3) | $3 | |
| Unlimited Check Writing | Yes | Yes | Yes | |
| Free First Order of 40 Bank Stock Checks | Yes | Yes | Yes | |
Disclosures:
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