Review on Schertzbank
Disclaimer
Our reviews are subjective opinions based on the analysis of our independent writers from around the world. We recommend exercising your own judgment and verifying information independently. We cannot be held liable for decisions made based on our reviews.
Summary
About Schertzbank
The website at schertzbank.com belongs to Schertz Bank & Trust, a community‑banking institution headquartered in Schertz, Texas. The site presents typical banking services: personal and business checking, savings, CDs & IRAs, lending (consumer, commercial, mortgages), digital banking tools including mobile deposits and bill pay.
The bank claims to be rooted in local community values (“…every customer feels valued,” according to testimonials) and to offer personalized service rather than purely transactional relationships.
The website also lists standard disclosures: routing number 114916103, NMLS number 737338, and links to privacy policy, accessibility guidelines, etc.
In the “Rates” section the bank shows competitive CD yields (for example 4.04 % APY for a 180‑day CD as of Nov 2025) according to an independent site.
Thus in overview, the website is a full‑featured banking website for a U.S. regional bank with an established track record, clearly presenting its services, locations, contact information, and regulatory disclosures.
More Details
There are several key reasons to classify the site as real / legitimate rather than a scam:
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Regulatory Identifiers – The website lists a routing number (114916103) and an NMLS number (737338) which are standard for U.S. banks and financial institutions. Serious scams often omit such identifiers.
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Physical Presence – Independent bank‑health data lists multiple physical branch locations in Texas (Schertz, Seguin, San Marcos, Kirby, New Braunfels).
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FDIC Membership – The independent site states “Member FDIC” under the bank’s overview, implying deposit insurance coverage in the U.S.
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Independent Ratings – The “B+” health rating and asset information from depositaccounts.com reflect a credible external review, not solely internal claims.
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Mobile Applications – The existence of mobile banking apps on Google Play (4.6★ from 77 reviews) and the App Store support that the bank operates standard digital banking services.
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Customer/Employee Reviews – Testimonials from customers and employee reviews (Indeed) add external feedback validating it is functioning and staffed.
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Professional Web Presence – The website has disclosures, privacy policy, accessibility guidelines, calculators, etc; signs of professional banking website rather than amateur scam.
While none of these guarantees perfection or suitability for your specific needs, together they create a strong case that this is a bona fide bank offering real banking services and that its website is genuine and trustworthy. This contrasts with scam sites which often lack regulatory identifiers, physical locations, credible third‑party ratings or active apps.
Warning: Low score, please avoid this website!
According to our review, this website has a higher risk of being a scam website.
It may attempt to steal your funds under the pretense of helping you make money.
Notice: High Score — Not likely to be a scam website.
According to our review, this website has a low risk of being a scam.
There is minimal indication of fraudulent activity.
Notice: Moderate score — Caution advised.
According to our review, this website shows a moderate risk level based on current data.
There is no strong evidence of a scam, but users should proceed carefully.
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Competiting Brands
Photos of Schertzbank
Pros
- Transparent regulatory identifiers (routing number, NMLS, FDIC membership) bolster legitimacy.
- Good bank health rating (B+) and long history (established 1913) support stability.
- Valid mobile banking apps available on major stores which show reviews and real usage.
- Emphasis on local, community‑oriented banking may appeal to customers seeking personalized service.
Cons
- Being a smaller regional bank means branch network is limited compared to large national banks; this may hamper those needing wide physical presence.
- The high CD rate may be attractive but could come with conditions; promotional rates sometimes change quickly.
- For international users (e.g., you in Nigeria) using a U.S. local bank may involve cross‑border complexities (currency conversion, wire fees, etc).
Website Overview
Country:
USA
Operating Since:
2000
Platforms:
Mobile/Desktop
Type:
Online bank
Spread:
N/A
Funding:
Online bank
Leverage:
N/A
Commission:
N/A
Instruments:
N/A
Keypoints
Independent bank‑health rating site shows a “B+” health grade and long history (established 1913) for the bank.
The institution is Member FDIC (per independent listing) which is a hallmark for U.S. deposit insurance.
Mobile apps exist (Android and iOS) under the bank’s name, enabling mobile banking for consumers and business users.
Customer testimonials and employer reviews indicate a community‑banking style culture—suggesting real operations rather than purely virtual.
Overall Score
95%
Final Thoughts
After viewing and analyzing the site thoroughly by our experts and undergoing the proper process, we have reached a final conclusion.
In-depth review indicates that the website for Schertz Bank & Trust (schertzbank.com) is legitimate, well‑structured, and corresponds to a real, registered banking institution operating in Texas. The presence of regulatory identifiers, FDIC membership, physical branch network, and verified mobile banking apps all point toward authenticity and operational reality.
However, as with any banking relationship—especially if you are located outside the U.S.—due diligence is still required. You should verify from your location (Nigeria) that you can open accounts, understand fees, currency exchange and wire transfer details, and confirm how deposit insurance coverage applies to your situation. Online security precautions (strong passwords, two‑factor authentication, confirming domain names) are also essential.
If your intent is to use this bank while residing or doing business internationally, you should contact the bank directly (via listed phone: 210‑945‑7400) to clarify eligibility for non‑U.S. persons, minimums, international wire policies, and any cross‑border regulations.
Overall: this is not a scam or fly‑by‑night site. It is a real community bank with an online presence. But “legitimate” doesn’t mean “perfect” for every user scenario; you must align your personal requirements, location, and banking needs with what they offer.
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