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Checking with benefits
Our checking accounts include a wealth of benefits, like thousands of surcharge-free ATMs, convenient online and mobile banking tools, and online bill pay.
- Robust and secure mobile and online banking
- Instant-issue debit cards
- Person-to-person money transfers
- 50,000 surcharge-free ATMs worldwide
- Free e-Statements
- Unlimited check writing
- Free first check order (40 bank stock checks)
- Online Bill Pay (1)
- Account Alerts
- Overdraft Program options
- Low, $100 minimum deposit
Compare checking accounts
Vantage Personal Checking
Best for
Low average daily balances and our lowest monthly service charge.
Balances & fees
$1,500 average daily balance or $250 monthly direct deposit to avoid a monthly fee of $10.
Vantage Rewards Checking
Best for
Earning interest and ATM fee rebates. (2)
Balances & fees
$1,500 average daily balance or $250 monthly direct deposit to avoid a monthly fee of $15.
Vantage Premier Checking
Best for
Competitive interest rates, no out-of-network ATM fees, and discounted incoming wire transfers. (3)
Balances & fees
$7,500 average daily balance to avoid a monthly fee of $25.
Vantage Personal Interest Checking
Best for
Get competitive interest rates with your checking account.
Balances & fees
$2,000 average daily balance to avoid a monthly fee of $18.
Smart ways to save
We're here to help make saving money easy and enjoyable whether you're saving for an upcoming purchase or a long-term goal. Our savings accounts can also help you avoided overdrafts and associated fees when you link them to your checking accounts.
- Secure digital and mobile banking
- 50,000 surcharge-free ATMs worldwide
- Free e-statements
- Account alerts
- Overdraft program options
- Low, $100 minimum deposit
Compare savings accounts
Personal Savings
Best for
Earning competitive interest rates while you’re growing your savings.
Balances & fees
$200 average daily balance to avoid a quarterly fee of $9.
Personal Money Market
Best for
Optimizing returns while keeping your funds liquid for use.
Balances & fees
$2,500 average daily balance to avoid a monthly fee of $15.
Certificate of Deposit (CD)
Best for
Guaranteed returns with fixed rates and flexible terms.
Balances & fees
Open a CD starting at $500.
Individual Retirement Account (IRA)
Best for
Building long-term retirement savings with guaranteed returns.
Balances & fees
Open an IRA starting at $500.
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Contact a Vantage banker
We're here to help guide you to the account that will best match your goals and get it set up and ready to use in no time.
Frequently asked questions
What do I need to open an account?
Basic requirements for opening a bank account may include:
- At least one form of government-issued photo identification, such as a valid driver’s license or passport.
- Social security number or individual taxpayer identification number.
- Full contact information such as address and phone number.
- A minimum deposit of $100.00
Additional information may be requested, including your:
- Employer
- Occupation
- Annual gross income
- Country of birth
Please contact your local Vantage Bank branch for full details.
What if my debit card is lost or stolen?
Please report a lost or stolen debit card to Vantage Bank immediately by calling 1-866-580-7262 so your card can be canceled to reduce potential losses. If you don't know your card number, a representative will help locate it once you have completed our identity verification process.
How can I order checks?
Vantage Bank makes ordering checks convenient and secure through our partnership with Deluxe. Choose from hundreds of designs, covers, stamps, and other accessories that showcase your personal style. To order checks online, you will need the following information:
- Routing/ABA number: 114915272
- Your Vantage Bank account number
- The starting # for your next check
To order directly from Deluxe, please call (877) 838-5287 for personal check reorders. For small business reorders, call 800-328-0304. You may also contact a Vantage Bank representative at 1-866-580-7262 to assist you. Your account will be debited for any charges associated with your check order.
How does Vantage keep my accounts secure?
Vantage Bank is committed to keeping your accounts secure through every means possible, including, but not limited to, the measures listed below.
FDIC Insurance
The standard FDIC insurance amount is $250,000 per depositor, per FDIC-insured bank, per account ownership category. Examples of ownership categories include a single account, joint account, trust account or corporate account.
Sophisticated Technology Monitoring Techniques
Intricate firewalls and other methods of securing customer data to include multifactor authentication, encryption, privacy policies and training, anomaly detection, and more, including:
- Encryption
- Authentication
- Secure Messaging
- Limited Login Attempts
Account monitoring
Our company monitors online account activity for potential fraud.
Anti-virus and anti-malware protection
These programs help detect and prevent viruses and malicious software. Banks use up-to-date programs to weed out malware and prevent viruses from spreading.
Firewalls
Firewalls screen data coming in and out of computer networks, blocking unauthorized access and stopping traffic from unsafe internet sources.
Firewalls screen data coming in and out of computer networks, blocking unauthorized access and stopping traffic from unsafe internet sources.
SSL encryption creates a secure connection with your browser when you log in, fill out an application, register for services and more. And although the technology is sophisticated, it’s easy to make sure that SSL encryption is active on the page you’re using. Just look for the lock symbol at the lower right-hand side of the page or look for https:// at the beginning of the page’s URL/web address.
Cookies
By placing a cookie (a piece of text stored on a user’s computer by their web browser) on your computer after your initial login, banks can then recognize or authenticate your computer when you log in to your account again. If you use a new computer to log in to your account—or you erase your cookies—you will be required to enter additional information at the time of your next login.
Multi-factor authentication measures
Multi-factor authentication can take many forms and requires the use of two or three different authentication factors. For example, you likely enter a password or PIN when you log in to your bank’s website. If the site needs additional verification from you, it may prompt you to answer a question that only you know the answer to or send a security code to a device that you’ve registered. This is also known as 2-factor or multi-step authentication.
Credential confidentiality
Banks do not share your usernames or passwords with anyone. (And you shouldn’t either.)
Automatic logout
Most banks automatically log you out of your secure session after a period of inactivity to help prevent others from seeing or using your online accounts.
Limited liability
Most banks offer some type of security guarantee. Depending on the terms of the policy, your liability for unauthorized transactions is limited. In other words, if you report unauthorized transactions on your account in a timely manner, the charges may not be your responsibility.
Online and Mobile Security Guarantee
You will not be liable for any unauthorized online or mobile banking transaction as long as you report the unauthorized transaction within 60 days from when your statement is made available.
Fraud Alerts
Monitoring customer accounts for signs of unusual activity serves as an important asset protection tool because it helps banks catch fraudulent and unauthorized use quickly. The banks use fraud alerts to notify customers that their accounts might have been compromised.
How do I set up online banking and bill pay?
To access your accounts online, visit our website www.vantage.bank and select SIGN UP.
After selecting sign up, a message will display advising you are entering a third-party website, Select PROCEED.
On the Enrollment Screen, select the Type of Account and enter your Account Number, Social Security, PIN and email address.
Final steps include accepting the Terms and Conditions, establishing your credentials (username and password), and setting up three Challenge Questions.