Personal BankingChecking, Savings, and CDs—your way
From everyday spending to building savings, we make banking simple. Choose from everyday checking, savings, money markets, and CDs—plus secure mobile tools and 55,000+ Allpoint® ATMs.
Direct bank relationship
Cross-border services
Stablecoin experience
FDIC insured. Some services and fees vary by account; see account details.
Bank wherever you are
Manage money in our app or online. Pay anyone, deposit checks, transfer funds, set alerts, and lock your card —quickly and securely.
Mobile & Online Banking
Check balances, move money, and deposit checks with secure online and mobile banking.
Debit Mastercard® & ATMs
Use your instant issued Debit Mastercard® with access to 55,000+ Allpoint® ATMs nationwide.
Send money via Zelle®
Send money instantly with just a mobile number or email address.
Alerts & Card Controls
Set real‑time alerts, manage spend, and lock or unlock your card in seconds.
Mobile Wallets
Use your phone or smart watch to tap and pay in-person or online.
“These Guys are the best here at Vantage Bank. They are friendly and take care of you. The big Banks don't even come close!!!“
Choose the right account
Vantage Personal Checking
Waive $10 with $250 direct deposit
50 free checks
Vantage Premier Checking
$25 monthly
No fees on non‑Vantage ATMs
BankOn Account
$8 monthly
$3 e‑docs credit
Min $10 to open
Savings & CDs
Money markets available
FDIC insured up to $250K
Bank with confidence
Your money’s protected and your experience matters. Enjoy FDIC insurance, a vast surcharge‑free ATM network, and a bank recognized for strength and service.
FDIC insured up to $250K
55,000+ Allpoint® ATMs
5‑Star Bauer Financial"Had an issue with my debit card and visited the Refugio branch which was the closest to my location. Very helpful and professional with great customer service from the minute I stepped into the bank. Got my new debit card in less than 10 minutes!"
Why bank with Vantage?
We combine friendly, local service with secure, easy‑to‑use tools. Whether you’re managing everyday expenses or saving for what’s next, we’ll help you move forward with confidence.
Talk with bankers who know Texas communities and care about your goals.
Bank online or in the app with Zelle®, bill pay, transfers, and alerts.
Premier Checking supports foreign nationals and cross‑border needs.
Clear fees and ways to save—like direct deposit waivers and e‑docs credits.
Frequently Asked Questions
Get quick answers about opening, fees, ATMs, and features.
What documents do I need to open an account?
U.S. citizens: valid government‑issued ID and a verifiable Social Security Number. Foreign nationals: two IDs (passport, visa, or INE), RFC (foreign tax number), foreign address, phone, email, and employer info (company, position, approximate income). Additional items may be requested.
How can I avoid monthly maintenance fees?
Personal Checking: $10 fee waived with a $1,500 average balance or a single $250 direct deposit each month. Premier Checking: $25 fee avoided with $7,500 requirements at statement cut‑off. BankOn: $8 monthly; $3 fee refund with e‑docs enrollment. See each account for details.
Where can I use ATMs without a surcharge?
Use 55,000+ Allpoint® ATMs surcharge‑free. Premier Checking has no Vantage fees on non‑Vantage ATM withdrawals; conversion or cross‑border fees may apply, and the ATM owner may charge fees. Check your account terms.
Is mobile banking included?
Yes. Online and mobile banking are free. Personal Checking includes free Mobile Deposit after 30 days. BankOn includes free ATM and Mobile Deposits. Features vary by account; see details.
Do you offer overdraft protection?
Personal Checking includes an overdraft program. Terms and availability may vary. Speak with a banker to review options and eligibility.
Can international customers open accounts?
Yes. Premier Checking is designed for foreign nationals and cross‑border customers. Documentation includes two forms of ID, RFC, foreign address, phone, email, and employer information.
Vantage News & Insights
Geolocation-Triggered Payments Made With Tokenized Bank Deposits Issued By Custodia And Vantage Bank
Custodia Bank and Vantage Bank Issue America’s First Bank-Issued Stablecoin On A Permissionless Blockchain
Tokenized Bank Deposit Issued By Custodia Bank and Vantage Bank Used For Fast Cross Border Business Payments
Vantage Bank and Infinant Partner for Embedded Banking
Geolocation-Triggered Payments Made With Tokenized Bank Deposits Issued By Custodia And Vantage Bank
Ready to get started?
Visit a branch or talk with a banker to open your account. We’ll help you compare options, gather documents, and set up mobile banking.
