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Who says you must place your money in a savings account or money market to earn interest? With the Vantage Personal Interest Checking, earn a competitive rate of interest on your balance, no conditions required.

Personal Checking with Interest

Keep $2,000 in average daily balances to avoid a monthly service fee and earn interest on your balance without condition.


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 in the U.S., plus thousands more worldwide, at no charged (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

View balance information, review transactions, pay bills and locate Vantage Bank Texas branches and ATMs straight from your mobile phone.


Notifi Account Alerts

With secure alerts from Vantage Bank Texas, you know the moment something important happens on your accounts. It's easy and it’s free!


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.

  • If a surcharge screen appears during your transaction on any Vantage Bank Texas or Allpoint ATM, press "yes" to 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.

Monthly Account Service Charge
$0.00 If your average daily balance is $2,000 or higher
$18.00 If your average daily balance is less than $2,000
Vantage Personal Checking
Vantage Rewards Checking
Vantage Personal Interest Checking
Minimum Initial Deposit $100.00 $100.00 $100.00
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 (2) 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) (3) Yes Yes Yes
Non-Vantage ATM Withdrawals $3 $3 $3
Unlimited Check Writing Yes Yes Yes
Free First Order of 40 Bank Stock Checks Yes Yes Yes
  • Based on approval. Overdraft privilege terms and conditions may apply.

  • 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 $3.00 fee will apply for withdrawals made at non-Vantage Bank Texas ATM locations. Other fees may be charged by ATM owner.