Amegy Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.40% | 5-year CD | 2.27% - National Average |
| 2.25% | 1-year CD | 1.38% - National Average |
| 0.15% | Savings | 0.26% - National Average |
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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.
Good bank
I opened my first checking account with them nearly 15 years ago. At that time it was a small local bank with only a handful of branches and it was called Southwest Bank. I opened the account since they were close to my job and that made it very convenient. They offered direct deposit checking accounts with no fees. I knew the tellers at the bank and they are always friendly and helpful. A few years ago they got bought out by a slightly bigger local bank called Amegy Bank. This is still a good bank and now has more branches, which is handy since I work in different areas of town all the time. They have a drive through, which is an absolute must for me since I am always on the go. The website is decent, but definitely needs some upgrading and easier access features. A mobile app would be nice that would offer mobile depositing.
More Like Ameteur Bank
I really think that a more accurate name would be Ameteur Bank.
I grew up using Bank of America, then switched to Capital One and then a couple of years ago we moved everything over to Amegy because we got a one-time-close home constrcution loan/mortgage from Amegy.
They just don't really feel like a real bank. It's tough to get access to your online accounts and their app needs help. They have some silly fees for this and that. Communication is pretty hit or miss. You can't put your Amegy mortgage accounts into Mint.
The biggest source of our frustration with Amegy has been the way that they administer loan funds on their One-Time Close Loan - which is a great idea and an attractive product, but if you're working a dishonest contractor, then you're not going to get any help from Amegy as they really don't check to make sure that the contractor is withdrawing funds for what the contractor says they're withdrawing the funds for.
And if you show the Enterprise Mortgage Lending department clear evidence that the general contractor is submitting fraudulent draw requests that are chock full of expenses for other properties being built at the same time as your home, then Amegy's loan department will tell you "that's between you and the contractor, we're neutral on this".
To be fair, the draw requests clearly say that the borrower has verified that the funds we're approving to be withdrawn are going to fund expenses related to the home construction project and that all work has been completed.
But it's still pretty apparent that Amegy values the general contractor who refers new construction loan clients to them much more than they value the individual client.
There are some good people that we've worked with some good people at Amegy, that's why they're getting 2 stars.
But in general, working with Amegy feels like working wtih a C+ student. They're sort of a medium-sized bank - not small enough to give you that personal level of service and not big enough to run a 1st class bank with a good app and a no-nonsense, not-waste-your-time attitude.
Worse Bank Ever
I’ve have been with this bank over 4 years.
Cannot write a poem here with ALL PROBLEMS they were giving me, my husband and my niece’s accounts.
Very disappointing!
Stressful!
We had closed all accounts. And I recommend never even open one but if you did - run!
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 2270 |
| Year Established | 1873 |
| Employees | 10201 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.32% |
| Return on Equity - YTD | 11.68% |
| Annual Interest Income | $2.49B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $68.75B$66.08B |
| Loans | Q4 2018vs Q4 2017 | $46.31B$44.31B |
| Deposits | Q4 2018vs Q4 2017 | $54.10B$53.00B |
| Equity Capital | Q4 2018vs Q4 2017 | $7.58B$7.61B |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $495.3MM$517.8MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $236.9MM$406.8MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $4.4MM$3.7MM |
Always verify rates and promotions with the bank or credit union. We are not Amegy Bank; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.
Amegy Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%*† | $100k* | - | Business Savings | ||
| OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | |||||
| 0.15%*† | $100k* | - | Savings | ||
| OTHER TIERS: 0.05% → Up to $50k | 0.10% → $50k - $100k | |||||
| 0.15%† | - | - | Young Savers | ||
Amegy Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.65%*† | $1m* | - | Premier Money Market | ||
| OTHER TIERS: 0.10% → $5k - $25k | 0.30% → $25k - $100k | 0.35% → $100k - $250k | 0.45% → $250k - $1m | |||||
| 0.50%*† | $250k* | - | Business Money Market | ||
| OTHER TIERS: 0.05% → Up to $25k | 0.30% → $25k - $1m | 0.40% → $100k - $250k | |||||
| 0.50%*† | $1m* | - | Business Money Market Sweep | ||
| OTHER TIERS: 0.10% → $10k - $50k | 0.20% → $50k - $100k | 0.30% → $100k - $250k | 0.40% → $250k - $1m | |||||
| 0.40%*† | $250k* | - | Money Market | ||
| OTHER TIERS: 0.05% → $1k - $25k | 0.30% → $25k - $100k | 0.35% → $100k - $250k | |||||
Amegy Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%*† | $100k* | - | Premium Interest Checking | ||
| OTHER TIERS: 0.01% → Up to $5k | 0.10% → $5k - $100k | |||||
| 0.15%*† | $100k* | - | Premier Checking | ||
| OTHER TIERS: 0.01% → Up to $10k | 0.10% → $10k - $100k | |||||
| 0.15%*† | $100k* | - | Premier Elite Checking | ||
| OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $100k | |||||
| 0.10%*† | $100k* | - | Anytime Interest Checking | ||
| OTHER TIERS: 0.01% → Up to $25k | 0.05% → $25k - $100k | |||||
| 0.05%*† | $25k* | - | Business Interest Checking | ||
| OTHER TIERS: 0.03% → Up to $25k | |||||
Amegy Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%† | $1k | - | 24 Month CD | ||
| 2.50%† | $1k | - | Business 24 Month CD | ||
| 2.40%*† | $100k* | - | 36 Month CD | ||
| OTHER TIERS: 0.70% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | 60 Month CD | ||
| OTHER TIERS: 1.00% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | Business 36 Month CD | ||
| OTHER TIERS: 0.70% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | Business 48 Month CD | ||
| OTHER TIERS: 0.75% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | Business 60 Month CD | ||
| OTHER TIERS: 1.00% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | 48 Month CD | ||
| OTHER TIERS: 0.75% → $1k - $100k | |||||
| 2.25%† | $1k | - | 12 Month CD | ||
| 2.25%† | $1k | - | Business 12 Month CD | ||
| 1.40%*† | $100k* | - | 18 Month CD | ||
| OTHER TIERS: 0.40% → $1k - $100k | |||||
| 1.40%*† | $100k* | - | Business 18 Month CD | ||
| OTHER TIERS: 0.40% → $1k - $100k | |||||
| 1.25%*† | $100k* | - | 9 Month CD | ||
| OTHER TIERS: 0.25% → $1k - $100k | |||||
| 1.25%*† | $100k* | - | Business 9 Month CD | ||
| OTHER TIERS: 0.25% → $1k - $100k | |||||
| 1.15%*† | $100k* | - | 6 Month CD | ||
| OTHER TIERS: 0.20% → $1k - $100k | |||||
| 1.15%*† | $100k* | - | Business 6 Month CD | ||
| OTHER TIERS: 0.20% → $1k - $100k | |||||
| 0.90%*† | $100k* | - | 3 Month CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
| 0.90%*† | $100k* | - | Business 3 Month CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
| 0.20%*† | $100k* | - | 1 Month CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
| 0.20%*† | $100k* | - | Business 1 Month CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
Amegy Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%† | $1k | - | 24 Month IRA CD | ||
| 2.40%*† | $100k* | - | 36 Month IRA CD | ||
| OTHER TIERS: 0.70% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | 48 Month IRA CD | ||
| OTHER TIERS: 0.75% → $1k - $100k | |||||
| 2.40%*† | $100k* | - | 60 Month IRA CD | ||
| OTHER TIERS: 1.00% → $1k - $100k | |||||
| 2.25%† | $1k | - | 12 Month IRA CD | ||
| 1.40%*† | $100k* | - | 18 Month IRA CD | ||
| OTHER TIERS: 0.40% → $1k - $100k | |||||
| 1.25%*† | $100k* | - | 9 Month IRA CD | ||
| OTHER TIERS: 0.25% → $1k - $100k | |||||
| 1.15%*† | $100k* | - | 6 Month IRA CD | ||
| OTHER TIERS: 0.20% → $1k - $100k | |||||
| 0.90%*† | $100k* | - | 3 Month IRA CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
| 0.20%*† | $100k* | - | 1 Month IRA CD | ||
| OTHER TIERS: 0.15% → $1k - $100k | |||||
