Welcome to VantageSouth Bank. We’ve created a better banking option for Alamance County. 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 achieve your financial goals—and discover why we’re a better banking option.

We developed our checking accounts as simple, effective banking tools. Besides their individual benefits, each account features:

• All-day banking convenience—same-day credit for all of your transactions through closing time every business day
• Unlimited check writing
• Unlimited VantagePoint ATM usage
• Free Debit Card
• Free Internet Banking with bill pay through MyBank Online Services
• Free wallet-style checks or $6 credit on other styles
• Regular and online statements available
• Check images available online

VantageFree

Created to meet your basic banking needs with no strings attached.

• $25 minimum to open
• No minimum balance requirements
• No monthly maintenance fees
• 4 free non-VantageSouth ATM transactions each month
• $300 Bounce Protection

VantagePlus

All the benefits of VantageSouth checking plus interest on your balances.

• $50 minimum to open
• No monthly fee with a $500 minimum or $1,000 average balance; otherwise, $10 per month
• 4 free non-VantageSouth ATM transactions each month
• $500 Bounce Protection

VantageComplete

Our premier package account featuring interest-bearing checking for a low monthly fee or free to those with qualifying balances..

• $50 minimum to open
• Use of any bank's ATMs with no VantageSouth fee
• Periodic CD bonus rates
• No-fee official checks
• No-fee traveler’s checks
• Free small safe deposit box (or credit toward larger box)
• Penalty-free CD withdrawal for medical emergency
• $1,000 Bounce Protection
• No monthly fee with a $2,500 minimum or $5,000 average balance; $10,000 in combined deposits; or a $10,000 loan or line of credit balance; otherwise, $10 per month

VantageFifty

A special interest-bearing account package designed for customers age 50 and over.

• $50 minimum to open
• Periodic CD bonus rates
• 4 free non-VantageSouth ATM transactions each month
• No-fee official checks
• No-fee traveler’s checks
• No-penalty CD withdrawal for medical emergency
• $300 Bounce Protection
• No monthly fee with a $100 average balance or a $25,000 CD; otherwise, $8 per month

VantageReward

A premium-rate, interest-bearing account for customers who maintain large checking 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
• Use of any bank's ATMs with no VantageSouth fee
• Periodic CD bonus rates
• No-fee official checks
• No-fee traveler’s checks
• Free small safe deposit box (or credit toward larger box)
• $1,000 Bounce Protection
• No monthly service charge with a $10,000 minimum balance; otherwise, $12 per month.
  

VantageSavings

A secure place to earn interest while saving for a specific purpose.

• $25 minimum to open
• Make up to 3 withdrawals each month at no charge; $5 each thereafter
• Unlimited VantagePoint ATM usage
  
• Free ATM/Debit Card
• Free Internet Banking with bill pay through MyBank Online Services
• No monthly service charge with a $250 minimum balance; otherwise, $5 per month

VantageSavings for Minors

An ideal way for young people to learn the value of good saving habits.

• $25 minimum to open
• Make up to 3 withdrawals each month at no charge; $5 each thereafter
• No minimum balance requirements or monthly service charges

VantageHoliday Savings

A special, interest-bearing account to build on through the year to make your holiday season bright.

• $25 minimum to open
• No monthly fee
• Check for balance issued October 15

VantageMMA

Offers the higher interest 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 with bill pay through MyBank Online Services
• Free first order of checks
• No monthly service charge with a $1,000 minimum balance; otherwise, $10 per month

IRAs

A choice of savings options that allow you to save for retirement while reducing your taxes.

• $100 minimum to open
• Automatic draft options available
• Traditional, ROTH, SEP, and other plans available

VantageHSA

A tax-favored, interest-bearing Health Savings Account exclusively for those under 65 who have health plans with high minimum deductibles.

• $100 minimum to open
• Can use check or debit card to pay qualified medical expenses
• Interest earned on any unused funds

Certificates of Deposit

Offering competitive rates and flexible terms in a secure, FDIC-insured account.

• $500 minimum to open
• Terms from 7 days to 5 years
• A choice of interest payment options:
  • Compounded to the account
  • Transferred to another VantageSouth account
  • Paid by check

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.

CDARS - For Large-Deposit Investors

Now, your large CD deposits could be eligible for full FDIC insurance through our new Certificate of Deposit Account Registry Service (CDARS)*. For more detailed information, contact us at (336) 227-8000.

*Up to $25 million or more. Check with bank representative for current limits.

Loans
Whether you need money for a long-awaited dream or an unexpected expense, we can provide the financing with terms and at rates that work for you. We offer secured lending on vehicles of all types as well as unsecured loans for other needs. We also offer real estate financing, including lot purchase and construction loans, mortgages and home equity lines.

Bounce Protection
Linked to your checking account, this money-savings feature protects you against accidental overdrafts by paying your non-sufficient funds (NSF) checks, ATM/Debit Card withdrawals, or any other electronic fund transfers.

Debit Card
With your VantageSouth MasterMoney debit card, you can make purchases or withdraw funds from your checking or savings account anywhere MasterCard is accepted without writing a check.

Credit Cards
Take advantage of the worldwide acceptance and many benefits of a VantageSouth Visa or MasterCard. Simply ask for an application.

Telephone Banking
VantageSouth Telephone Banking gives you immediate access to account information 24 hours a day. Use it to get information on account and loan balances, interest, check status 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 and make quick work of paying your monthly bills.

Traveler’s Checks
VantageSouth offers the convenience of American Express traveler’s checks to make your domestic or foreign travel simpler and safer.

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.