Julio Garcia
Banker
San Antonio, Hondo & Refugio

Julio Garcia

Vice President, Treasury Management Sales Officer

Former Little Brother (LA)
Holy Cross Lutheran board

About Julio

Julio E. Garcia is a Vice President and Treasury Management Sales Officer at Vantage Bank Texas, serving San Antonio, Hondo, and Refugio. With about 25 years in banking and over 20 years in treasury management, he helps commercial clients strengthen fraud controls, streamline cash management, and gain clearer visibility into daily liquidity. Based in our San Antonio Corporate office, Julio partners with owners, CFOs, and controllers to tailor practical treasury solutions that fit each organization’s workflows and growth plans. In 2023, he helped a property management client implement Positive Pay across 10 accounts to enhance fraud protection and simplify reconciliation. Service to community shapes how Julio shows up for clients. A former Little Brother in Los Angeles, he credits the Big Brothers program for life skills that guide how he listens, communicates, and supports people through complex decisions. He also serves on the board of Holy Cross Lutheran Church in Arlington, Texas.

Fast Facts
  • Vice President, Treasury Management Sales Officer

  • Treasury Management

  • About 25 years in banking

  • Over 20 years in treasury management

  • San Antonio, Hondo, Refugio

  • Implemented Positive Pay across 10 accounts

  • Board member, Holy Cross Lutheran Church (Arlington, TX)

Recent Transactions & Solutions

Hand & Earth Icon
  • Client Industry Property management

  • Product Positive Pay Services

  • Outcome Protected 10 accounts with Positive Pay fraud controls

Get in touch

Tell us about your treasury needs.

Every business deserves clear, reliable cash flow. Let’s build a treasury plan that supports your goals today and prepares you for what is possible tomorrow."

Julio E. Garcia, VP, Treasury Management Sales Officer
Rafael (Rafa) G. Garza
Julio E. Garcia Vice President, Treasury Management Sales Officer
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Let’s build what’s next

Whether you are tightening controls, optimizing cash flow, or preparing to grow, our team is ready with tailored treasury solutions and personal guidance.

Rafael (Rafa) G. Garza