Welcome to VantageSouth Bank. We’ve created a better banking option for Alamance County businesses like yours. A bank offering well-conceived, simple-to-understand banking products and unparalleled service, all designed for your convenience. Where your business will always be welcomed and appreciated.

In the products and services described below you’ll find the help you need to ensure the ongoing success of your business—and discover why we’re a better banking option.

We developed our checking accounts as simple, effective business tools. Besides their individual benefits, each gives you:

• All-day banking convenience—same-day credit for all of your transactions through closing time every business day
• Unlimited access to our VantagePoint ATM
• Free Debit Card
• Free access to Internet Banking with Bill Pay through MyBank Online Services
• Statements available by mail, online and on CD
• Check images available online
• $10 credit toward your first check order

VantageSmallBusiness

Created to meet the basic banking needs of businesses with limited transactions and lower balances.

• $100 minimum to open
• Up to 500 debits, credits and/or deposited items each month at no charge; $0.35 each thereafter
• $1,000 Bounce Protection

VantageCommunity

Interest-bearing checking specifically for non-profits and other civic organizations.

• $100 minimum to open
• Earns interest on balances of $1,000 or higher
• Up to 100 debits, credits and/or deposited items each month at no charge; $0.35 each thereafter

VantagePlus for Business

Provides checking plus interest for sole proprietors and non-profits with higher activity levels.

• $100 minimum to open
• Up to 500 debits, credits and/or deposited items each month at no charge; $0.35 each thereafter
• No monthly service charge with a $2,000 minimum or $4,000 average balance; otherwise, $12 per month
• $1,000 Bounce Protection

VantageBusinessAnalysis

Enables businesses with higher levels of account activity to use earnings credit from balances to offset monthly service and activity charges.

• $100 minimum to open
• $12 monthly maintenance fee
• Activity fees
  
  • $0.18 per debit
  • $0.08 per on-us item deposited
  • $0.10 per other item deposited
  • $0.45 per credit
    
• $1,000 Bounce Protection

VantageIOLTA

An interest-bearing trust account exclusively for attorneys and legal firms.

• $100 minimum to open

VantageReward for Business

An interest-bearing account for businesses that maintain large balances, featuring rates that increase with the amount on deposit.

• $10,000 minimum to open
• Tiered rates paid on balances of $10,000 and higher as follows:
  • $10,000 - $24,999
  • $25,000 - $49,999
  • $50,000 - $74,999
  • $75,000 and over
• No monthly service charge with a $10,000 minimum balance; otherwise, $12 per month
• $1,000 Bounce Protection
  

VantageSavings for Business

An interest-bearing account in which small businesses can store funds within easy reach.

• $25 minimum to open
• Make up to three withdrawals each month at no charge; $5 each thereafter
• Unlimited VantagePoint ATM usage
• Free ATM/Debit Card
• Free Internet Banking through MyBank Online Services
• No monthly service charge with a $250 minimum balance; otherwise, $5 per month

VantageMMDA for Business

Offers the higher interest earnings of money market rates that increase with your balances plus the convenience and flexibility of a checking account.

• $1,000 minimum to open
• Tiered rates paid on collected balances as follows:
  • $0 - $999
  • $1,000 - $4,999
  • $5,000 - $24,999
  • $25,000 - $49,999
  • $50,000 and over
• Up to 6 withdrawals (only 3 of which may be by check, draft or ATM/Debit Card transaction) per month; $10.00 each thereafter
• Unlimited VantagePoint ATM usage
• Free ATM/Debit Card
• Free Internet Banking through MyBank Online Services
• Free first order of checks
• No monthly service charge with a $1,000 minimum balance; otherwise, $10 per month

VantageHSA

A tax-favored, interest-bearing Health Savings Account exclusively for customers under 65 who have health plans with high minimum deductibles. Use it to pay qualified medical expenses by check or with a debit card, and any unused funds continue to earn interest.

• $100 minimum to open
• Free Debit Card\
• Free Internet Banking through MyBank Online Services

Certificates of Deposit

For businesses with surplus cash to invest, we offer competitive rates and flexible terms in a secure, FDIC-insured account.

Certificates of Deposits may be subject to substantial penalties for early withdrawals. There are frequently special rates and terms offered on CD’s. Contact a Customer Service Representative for current specials.

Cash Management Services
We can help you achieve better bottom-line results through advice, products and services that maximize the earnings on your balances.

Merchant Services
If you accept credit cards from your customers, we can help you establish your processing account and ensure that you get the ongoing support and service you need.

Loans/Lines of Credit
Every business needs a reliable funding source for purposes such as ongoing operations, expansion or to capitalize on unexpected opportunities. We want to be that source for your business.

Our lending expertise is more than just our ability to meet your financing needs. It includes the benefit of our lenders’ years of experience in Alamance County. That means, in addition to funding, we can help you develop financial strategies to ensure the ongoing success of your business in this market.

We can establish credit lines and loans for every aspect of your business. You can always expect quick responses to your requests and a lending process that’s as fast and problem-free as possible. And as your business grows, you can expect us to remain right behind you.

Leasing
Offered through our partnership with TCP Leasing, the masterLease program helps you effectively manage your equipment investment with up to 100% leasing, terms from 12 to 60 months, flexible payment structures and minimal documentation.

Credit Cards
Available to businesses ranging from sole proprietors to corporate users, a VantageSouth MasterCard or Visa Business card provides a convenient way to pay for business expenses while maintaining financial control and managing your cash flow. Detailed monthly statements make it easy to track your expenses.

Telephone Banking
VantageSouth Telephone Banking gives you immediate access to account information 24 hours a day. Use it to get account and loan balances, check status, interest information and more.

MyBank Online Services
With our free Internet banking and Bill Pay services, you can connect with your accounts any time from any computer with Internet access. You can easily check your account balances, transfer funds, pay bills and more.

Courier Service
There’s no need to interrupt your business day to go to the bank when the bank can come to you. Through our Courier Service, you can easily arrange regular pickups for your non-cash deposits or other documents. Whether you need service once a week or once a day, we have the flexibility to fit your schedule.

Night Deposit
Take advantage of our convenient, secure Night Deposit service for making deposits before or after regular banking hours.

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APY = Annual Percentage Yield.
All rates are subject to change without notice.

Funds must remain on deposit at least 7 days; funds withdrawn within the first 7 days subject to early withdrawal penalties.