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Spend, earn and benefit from low fees with this top tier checking account.

Top Tier Checking Account

Earn competitive interest rate tiers on this account along with several benefits, including (1) no inactive fee (2) no ATM fees will be charged at non-Vantage Bank Texas ATM locations (1) (3) all incoming wires discounted to $5.00 per transactions (2). Plus, avoid monthly service charges when you maintain an average daily balance of $7,500 or above.


Access 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.


Robust 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.


Free 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.


Mobile 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.


Notifi 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)


Overdraft 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.

  • No ATM fees will be charged at non-Vantage Bank Texas ATM locations. Other fees may be charged by ATM owner.

  • Fee is subject to change.

  • 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 Service Fee
$0.00 If your average daily balance is $7,500 or higher
$25.00 If your average daily balance is less than $7,500
Vantage Personal Checking
Vantage Rewards Checking
Vantage Premier Checking
Vantage Personal Interest Checking
Minimum Initial Deposit $100 $100 $100 $100
Monthly Account Service Charge $10 $15 $25 $18
To avoid the monthly account service charge, the following requirements must be met each statement cycle: $1,500 Average Daily Balance
Direct Deposit of $250 or more
$1,500 Average Daily Balance
Direct Deposit of $250 or more
$7,500 Average Daily Balance $2,000 Average Daily Balance
Compounded & Credited N/A Monthly Monthly Monthly
Calculated based on N/A Average Daily Balance Average Daily Balance Average Daily Balance
Interest Bearing No Tiered Interest Rates (1) Tiered Interest Rates (optional) (4) Tiered Interest Rates
Free E-Statement with images Yes Yes Yes Yes
Paper Statement with images $3 $3 $3 $3
Free Vantage ATM Transactions (55,000+ Allpoint Network surcharge free ATMs) (2) Yes Yes Yes Yes
Non-Vantage ATM Withdrawals $3 $3 (3) Free (5) $3
Unlimited Check Writing Yes Yes Yes Yes
Free First Order of 40 Bank Stock Checks Yes Yes Yes Yes
  • Receive higher interest rates when the following monthly qualifiers are met:
    • Receive E-Statements via Online Banking,
    • 15 Debit Card purchases of any amount, and
    • 1 Direct Deposit of $250 or 1 ACH debit

  • ATM services are free at Vantage Bank Texas locations and at ATM locations worldwide displaying the Allpoint logo. Conversion and cross border fees may apply. A $3 fee will apply for withdrawals made at non-Vantage Bank Texas ATM locations. Other fees may be charged by ATM owner.

  • 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.

  • Customer may choose between interest bearing or non interest bearing option.

  • No ATM fees will be charged at non-Vantage Bank Texas ATM locations. Other fees may be charged by ATM owner.