Personal Savings & Money Market
Earn interest and keep your money within reach. Choose a straightforward Personal Savings account or a tiered Money Market with limited check writing. FDIC insured.
Secure savings with local, personalized Texas service.
Save and earn with flexible accounts
Pick the account that fits your goals. Both earn interest; Money Market adds limited check writing for added flexibility.
A secure place to set aside money you don’t plan to spend right away. Earn interest on your balance and use it for short- or long-term goals.
A tiered, interest-bearing deposit account that blends savings and checking features. Earn higher rates than traditional savings, with limited check writing.
Individuals who want to grow their balance while keeping funds liquid for use.
Interest-bearing balance FDIC insured up to $250,000 per depositor
Limited check writing (Money Market)
Flexibility: balance accessibility and earning potential.
Low risk: a safe place to store money while earning interest.
Personal Savings: $9 quarterly if average balance is under $200.
Money Market: $15 monthly if average balance under $2,500.
Build a steady habit and earn interest.
Keep your cash secure while it grows. Use Personal Savings for short-term goals like travel, emergencies, or seasonal expenses.
Features that fit your goals
Choose between Personal Savings and Money Market. Both earn interest; Money Market adds limited check writing and tiered rates.
Account features
Core features that help you save with confidence.
Both accounts earn interest on your deposits, so your money can grow while you save for near- or long-term goals.
Your deposits are FDIC insured up to $250,000 per depositor, providing added protection and peace of mind.
Money Market accounts include limited check-writing privileges for convenient access when you need to pay by check.
Keep funds accessible while earning interest, ideal for emergency savings and planned purchases.
Money Market is a tiered, interest-bearing deposit account, designed to reward higher balances.
Avoid fees by maintaining the required average balance: $200 for Personal Savings; $2,500 for Money Market.
Choose your account
Straightforward savings for everyday goals. Earn interest, keep funds secure, and avoid the quarterly fee by maintaining a $200 average balance.
Tiered interest and limited check writing for added flexibility. Avoid the monthly fee by maintaining a $2,500 average balance.
Open your account in three steps
Talk with a Vantage banker.
We’ll help you choose Personal Savings or Money Market based on your goals and how you plan to use your funds.
Share required information.
Bring a valid photo ID, basic personal information, and your opening deposit.
Fund and start earning interest.
Make your opening deposit, set up transfers if you’d like, and track your progress.
Security and deposit protection
Your deposits are FDIC insured up to $250,000 per depositor. We use industry-standard controls to help safeguard your accounts.
Are my deposits FDIC insured?
Yes. Your deposits are FDIC insured up to $250,000 per depositor. Additional coverage may apply based on account ownership categories. Speak with a banker for details.
Is check writing available?
Money Market accounts include limited check-writing privileges. Limits and fees may apply; your banker can explain current terms.
How do average balances work?
Fees are assessed only if your average balance for the period falls below the stated threshold. For Personal Savings, the threshold is $200 (quarterly). For Money Market, $2,500 (monthly).
What documentation do I need to open an account?
You’ll need a valid photo ID, basic personal information, and your opening deposit. Additional documentation may be required based on your situation.
FDIC protection
Vantage Bank deposit accounts are FDIC insured up to $250,000 per depositor, per insured bank. Coverage can be higher depending on ownership categories; a banker can help you understand your coverage.
Frequently Asked Questions
Answers to common questions about Personal Savings and Money Market accounts.
What’s the difference between Personal Savings and Money Market?
Both earn interest. Personal Savings is a straightforward account for everyday goals. Money Market is a tiered, interest-bearing account that blends savings and checking features, including limited check writing.
What are the fees, and how can I avoid them?
Personal Savings has a $9 quarterly fee if your average balance is under $200. Money Market has a $15 monthly fee if your average balance is under $2,500. Maintain the required average balance to avoid fees.
Who is this account best for?
Individuals who want to grow their balance while keeping funds accessible. Money Market may be best for higher balances that could benefit from tiered interest and limited check writing.
How do I open an account?
Contact a Vantage banker. You’ll need a valid photo ID, basic personal information, and your opening deposit. We’ll guide you through the steps.
Ready to start saving?
Let’s set up the account that fits your goals. We’ll walk you through fees, features, and how to keep your money accessible while it earns interest.
