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800-287-0301
4400 Post Oak Parkway
Houston, TX 77027

Amegy Bank is headquartered in Houston and is the 6th largest bank in the state of Texas. It is also the 89th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 1,665 employees at 87 locations. Amegy Bank has a A+ health rating.

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Reviews (4)

Amegy! How Low Will They Go?

Amegy is not as healthy as it says it is which goes to what kind of bank they are.  Awful!  Amegy and any other business that wants to fraudulently charge their customers come first.  When you ask them why certain policies are set up, they will lie.  If you ask them why your direct deposit isn't showing, they will blame it on whoever your company uses.  I went through 30 minutes of calling them and hearing it wasn't there, then calling employer flex who said, they have it they are just not giving you your money for a day.  I called back and all of the sudden they could see it but it was too late to show credit in my account.  Apparently, they test people before they hire them to make sure that they are not very bright, are pathological liars and do not have a conscience.  Whew...that is close to what a bank ceo is but their bulb shines a little brighter.  At any rate, they are thugs just like their fellow criminals, chase, wells fargo, bank of america, etc.  When your money is in their bank, it is not yours....it is theirs to do with whatever they want!  On top of that when they get you in a bind, they charge you for it.  They make Tony Soprano look like a good guy.  Hopefully, they will become extinct.

The said part is they bought the best bank I have ever dealt with which was Southwest.  The customer was top priority and they did quite well because of that.  Do not think they would have sold to Zion/Amegy if they knew that their mission is to prey on their customers.  These jerks got TARP money and act like we are the ones with our hand out.  Going to look for a Community Bank.

Do Not Trust This Bank!

Just to let you know that I'm not a crack pot, I want you to know that I have been a small business owner for 17 years. I have borrowed and paid back close to two million dollars over that time. DO NOT TRUST THIS BANK!!!! I believe that they have an internal breech of security.

Discriminating Employees Who Should Be Fired!

 

I went into the Seagler and Westheimer location to cash a check for 10 grand. The tellers name was Terry and the manager assisting him was named Aileen. I was asked to wait a moment while the check was verified - I responded "no problem" after 20 minutes Terry returns and tells me that after speaking with someone the check is a "fake". I am a 27 year old business owner who has dealt with panic attacks in the past so I calmly took deep breaths and insisted they go through every possible avenue because I have too much to lose for a foolish attempt of that sort. 10 minutes later they came back and cashed the check but my issue began the moment they "jumped the gun" and approached me saying the check was fraudulent. Moral of this story is Never judge a book by it's cover. I will be cashing many more checks with Amegy and possibly would have considered opening an account but now that will NEVER happen. I hope the employees are reprimanded at minimum for ignorant, discriminatory and unprofessional behavior. I will now simply put them in one of my Bank Of America accounts. Avoid dealing with these guys. They aren't worth the hassle.

Good Community Bank With No Bogus And Simple Ideas Of How To Take Care Of Business And Its Customers.

I've been with Amegy for over 2 years now and I must say that it has so far been a good relationship. Just like the majority of middle class folks, I work hard for my earnings and would like to keep my money safe and secure at some institution where everything makes sense and simple. Unlike all the other banks that I had been with (Chase, Bank of America, Capital One, ETC;) Amegy runs their business with common sense and sincererity. There were times when things got rough due to our economic situation these days but you will never see any bogus charges from Amegy on your statement, unlike any other major banks who had no problems slapping all those fees 5 or 6 times in a row and even take them longer to resolve their own mistakes. Their online banking is very thorough and simple and you know exactly where your money is. This is the only bank that will not "purposely"  debit the highest charges you had first before posting the deposite that you made in cash even on the same day. I had that problem with all the other banks even though I made the debit transactions after I deposited the fund in cash prior so that they could get your account to be overdrawn and then charge you the overdraft fees. 

I rarely ever had any problem with Amegy and even when I did, I went into the bank to talk to someone and they were able to get it resolved without having to wait 30 or 45 days due to "procedure" that some other banks had to take. Just like I said prior, common sense and running its business the right way is the way to earn loyalty from folks who they do business with. I am a very satisfied customer and will look forward for years of healthy relationship that has yet to come.



Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Amegy Bank had $76.06 million in non-current loans and owned real-estate with $2.36 billion in equity and loan loss allowances on hand to cover it. This gives Amegy Bank a Texas Ratio of 3.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Amegy Bank decreased dramatically from 6.04% as of December 31, 2012 to 3.22% as of December 31, 2013, resulting in a positive change of 46.58%.This indicates that the balance sheet and financial strength for Amegy Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Amegy Bank has increased its total deposits by $489.09 million, resulting in 4.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Amegy Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Amegy Bank has $13.62 billion in assets with $2.36 billion in equity, resulting in a capitalization level of 17.32%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #24107
Year Established1982
Employees1665
Primary RegulatorOCC
Assets and Liabilities
Assets$13.62 billion
Loans$9.10 billion
Deposits$11.20 billion
Equity Capital$2.21 billion
Loan Loss Allowance$144.35 million
Unbacked Noncurrent Loans$71.84 million
Real Estate Owned$4.23 million
Historic Data - December 2012
Assets$13.04 billion
Equity Capital$2.12 billion
Loan Loss Allowance$163.95 million
Unbacked Noncurrent Loans$71.84 million
Real Estate Owned$21.58 million
Profit Margin - Quarterly
Net Interest Margin3.38%
Return on Assets0.97%
Return on Equity5.86%
Interest Income$398.03 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Amegy Bank, we are a rate comparison website and can not provide official rates or promotions.

Amegy Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Young Savers
0.10%--Business Savings
0.05%--Personal Savings
0.05%$50k-Internet Savings

Amegy Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Personal Internet Money Market
0.05%$50k-Personal Money Market
0.05%--Personal Money Market Plus
0.05%--Relationship Money Market
0.05%$100k-Business Money Market

Amegy Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%-$25kSmart Yield Checking
0.10%$100k-Amegy Platinum Checking
0.05%--Smart Yield Checking
0.01%--Interest Checking
0.01%--Amegy Essential Checking with Interest
0.00%--Free Checking With Interest

Amegy Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year Personal CD
1.00%$1k-5 Year Business CD
1.00%$100k-5 Year Jumbo Business CD
0.40%$1k-3 Year Personal CD
0.40%$1k-3 Year Business CD
0.40%$100k-3 Year Jumbo Business CD
0.35%$1k-30 Month Personal CD
0.35%$1k-30 Month Business CD
0.35%$100k-30 Month Jumbo Business CD
0.15%$1k-2 Year Personal CD
0.15%$1k-2 Year Business CD
0.15%$100k-2 Year Jumbo Business CD
0.10%$100k-6 Month Jumbo Personal Internet CD
0.10%$100k-1 Year Jumbo Personal Internet CD
0.10%$1k-6 Month Personal CD
0.10%$1k-11 Month Personal CD
0.10%$1k-1 Year Personal CD
0.10%$1k-18 Month Personal CD
0.10%$10k-6 Month Personal Internet CD
0.10%$10k-1 Year Personal Internet CD
0.10%$1k-6 Month Business CD
0.10%$1k-11 Month Business CD
0.10%$1k-1 Year Business CD
0.10%$1k-18 Month Business CD
0.10%$100k-1 Year Jumbo Business CD
0.10%$100k-18 Month Jumbo Business CD
0.10%$100k-6 Month Jumbo Business CD
0.10%$100k-11 Month Jumbo Business CD
0.10%$1k-4 Month Personal CD
0.10%$1k-7 Month Personal CD
0.10%$1k-9 Month Personal CD
0.10%$1k-4 Month Business CD
0.10%$100k-4 Month Jumbo Business CD
0.10%$1k-7 Month Business CD
0.10%$100k-7 Month Jumbo Business CD
0.10%$1k-9 Month Business CD
0.10%$100k-9 Month Jumbo Business CD
0.05%$100k-3 Month Jumbo Personal Internet CD
0.05%$1k-1 Month Personal CD
0.05%$1k-2 Month Personal CD
0.05%$1k-3 Month Personal CD
0.05%$10k-3 Month Personal Internet CD
0.05%$1k-1 Month Business CD
0.05%$1k-2 Month Business CD
0.05%$1k-3 Month Business CD
0.05%$100k-1 Month Jumbo Business CD
0.05%$100k-2 Month Jumbo Business CD
0.05%$100k-3 Month Jumbo Business CD
0.05%$1k-Below 1 Month Personal CD
0.05%$1k-Below 1 Month Business CD
0.05%$100k-Below 1 Month Jumbo Business CD

Amegy Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$250-5 Year IRA (Traditional,Roth)
1.00%$100k-5 Year Jumbo IRA (Traditional,Roth)
0.40%$250-3 Year IRA (Traditional,Roth)
0.40%$100k-3 Year Jumbo IRA (Traditional,Roth)
0.35%$250-30 Month IRA (Traditional,Roth)
0.35%$100k-30 Month Jumbo IRA (Traditional,Roth)
0.15%$250-2 Year IRA (Traditional,Roth)
0.15%$100k-2 Year Jumbo IRA (Traditional,Roth)
0.10%$250-6 Month IRA (Traditional,Roth)
0.10%$250-11 Month IRA (Traditional,Roth)
0.10%$250-1 Year IRA (Traditional,Roth)
0.10%$250-18 Month IRA (Traditional,Roth)
0.10%$100k-6 Month Jumbo IRA (Traditional,Roth)
0.10%$100k-11 Month Jumbo IRA (Traditional,Roth)
0.10%$100k-1 Year Jumbo IRA (Traditional,Roth)
0.10%$100k-18 Month Jumbo IRA (Traditional,Roth)
0.10%$250-4 Month IRA (Traditional,Roth)
0.10%$250-7 Month IRA (Traditional,Roth)
0.10%$250-9 Month IRA (Traditional,Roth)
0.10%$100k-4 Month Jumbo IRA (Traditional,Roth)
0.10%$100k-7 Month Jumbo IRA (Traditional,Roth)
0.10%$100k-9 Month Jumbo IRA (Traditional,Roth)
0.05%$250-1 Month IRA (Traditional,Roth)
0.05%$250-2 Month IRA (Traditional,Roth)
0.05%$250-3 Month IRA (Traditional,Roth)
0.05%$100k-1 Month Jumbo IRA (Traditional,Roth)
0.05%$100k-2 Month Jumbo IRA (Traditional,Roth)
0.05%$100k-3 Month Jumbo IRA (Traditional,Roth)
0.05%$250-Below 1 Month IRA (Traditional,Roth)
0.05%$100k-Below 1 Month Jumbo IRA (Traditional,Roth)
Locations

Amegy Bank has 87 locations. Click to view all Amegy Bank locations.