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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 2.12% 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.

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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.

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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.

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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.

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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.

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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)

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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.

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Disclosures:
  • The APY is accurate as of 12/03/2018. “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 2.10% with an Annual Percentage Yield of 2.12%. 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 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 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) 2.12%
Balances greater than $50,000 (when qualifiers are met) 0.25%
Base Rate (when qualifiers are not met) 0.05%
Disclosures:
  • The APY is accurate as of 12/03/2018. “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 2.10% with an Annual Percentage Yield of 2.12%. 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 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 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:
  • 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.