Best Banks in Texas
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Looking for the right bank in Texas? Don't miss this helpful guide to the best banks in the Lone Star State. Read on to see which is right for you.
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Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Texans have their own unique needs and requirements when it comes to banking.
But how do you choose the right bank with so many options out there?
This helpful guide will make finding the right bank in Texas quick and easy. Keep reading to see which one suits you best.
The Best Banks in Texas
To identify the best banks in Texas, we looked at a variety of important factors. Things we considered include what services they offer, their size and the number of branches they have, their reputation, and more.
Make sure to review the entire list to avoid missing out on the bank that fits you best.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Wells Fargo: Best Overall
While it may be a bit of a cliche at this point to say that people like things big in Texas, when it comes to banking, sometimes there's something to be said for going with big. And its size is one of the reasons we think Wells Fargo is the best choice overall for banking in Texas.
Wells Fargo has over 460 branches in Texas. With such a broad footprint in the Lone Star State, customers in most areas can reasonably expect convenient access to the bank's in-person services.
And going with a big bank has other perks, too. Wells Fargo offers a range of personal banking services, from checking and savings accounts to home and auto loans, as well as being a top small business lender, according to the Small Business Administration (SBA).[1]
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase: Best for Checking
Branches aren't all that make a bank, though Chase does have a lot of them--with over 200 locations in Texas, and over 600 ATMs. Not quite as many as Wells Fargo, but still an impressive number.
What makes Chase our top pick for checking in Texas is its extensive range of locations in combination with its sleek, easy-to-use mobile app. Because while Chase has done an excellent job of providing physical access, they have really focused on a smooth digital experience as well.
In addition to managing your checking account through the Chase app, you can send and receive money, pay bills, deposit checks, and plenty more.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Chase College Checking℠ - $125 Bonus
- Enjoy $125 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
Chase High School Checking℠ - $125 Bonus
- Your teen gets $125 when you open a new Chase High School Checking℠ account together with qualifying activities within 60 days of coupon enrollment
- As a co-owner of the account, you must be present at account opening.
- $0 Monthly Service Fee
- Help your teen build good money habits with their own debit card. Plus, they can add their debit card to their digital wallet.
- With Zelle®, pay and get paid back from friends and family who have an eligible account at a participating U.S. bank. No fees and no waiting for days for money to hit their account.
- You and your teen can stay on top of their account activity by choosing which Account Alerts you both want to sign up for — such as low balance, posted payments, and more.
- Chase makes it easy for your teen to access their money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC
Rally Credit Union: Best Credit Union
If you'd prefer a credit union rather than a traditional bank, our pick is the Rally Credit Union. This Hispanic-American-owned credit union is only available to those who live, work, or go to school in South Texas county, with 22 branches across the state.
Through the Co-Op Shared Network, you get access to 30,000 free ATMs, and NavyArmy offers unlimited reimbursements on banking fees for out-of-network ATM transactions, as long as you meet their APY requirements.
If you're interested in signing up, it costs $25 to open a savings account with NavyArmy Credit Union, or $45 for both checking and savings.[2] Plus, you can earn a generous APY on balances under $25k if you meet the requirements of their Liberty Checking Account. The minimum deposit is $20.
PNC Bank: Best for Checking and Savings
If you're looking for a bank that has outstanding options for both checking and savings, consider PNC Bank, which is one of the largest financial institutions in the state.[3]
PNC's Standard Savings Account has a $0 minimum deposit when opened online, and $25 if opened in a branch.
PNC does charge a $5 monthly service fee for a Standard Savings Account, but you can get it waived in several ways, such as keeping a minimum of $300 in your account. The fee is also waived for customers under 25.
PNC High Yield Savings account offers a competitive rate but is only available to certain markets. Their standard savings account interest rates are fairly low, so if you're looking for higher interest, you might consider a high-yield savings account with another bank.
With their online checking account, the PNC Virtual Wallet, you can easily track deposits to your account, when you need to pay bills, and get warnings when you're at risk of overdrawing.
Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
GECU: Best Community Financial Institution
GECU is a Texas-based credit union built to serve the Hispanic American community primarily in El Paso, where they've got 20+ branches. To join, you or a family member will need to live or work in El Paso County, Hudspeth County, or Dona Ana County.
They are CDFI (Community Development Financial Institution) certified, as well as a Juntos Avanzamos designated credit union, which means they're recognized as serving community residents regardless of income or immigration status.
Instead of a Social Security number, it's possible to join with an ITIN (Individual Taxpayer Identification Number)[4] and they consider permanent resident cards, foreign passports, and Matricula Consular as valid forms of photo ID. Their minimum deposit is $20.
Their savings APY is relatively low and requires a daily minimum balance of $100. Higher rates of return can be found at online banks like Ally, if you qualify.
Bank of America: Best National Bank
Bank of America, one of the largest banks serving everyday customers in the U.S., is an excellent choice for Texans as well.
They require a higher minimum deposit compared to the other banks on this list, but there's a lot to be gained by signing up with a major bank like this one.
Customers of BofA get access to their thousands of ATMs and financial centers. You can also take advantage of a variety of checking, including the Bank of America Advantage Plus Banking® account.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Capital One: Best for Savings
While many of the highest savings rates are offered by purely online banks, customers who go with Capital One are able to sample the best of both worlds. With 77 branches across the state of Texas, spread across 40 cities, Capital One users should have no trouble finding a local branch location.
But thanks in part to their emphasis on modern banking, they also offer competitive interest rates through a number of savings accounts, CDs, and even interest-bearing checking accounts.
Capital One customers also have the option of getting their banking done at one of Capital One's unique cafes, such as the one in downtown Austin, where you can partake of food and drinks and relax as well as managing your finances.
Capital One: Personal Savings Account - $1,500 Bonus
Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $100,000 of external funds within 15 days of account opening. Maintain at least $100,000 in the account for 90 days more after the initial 15 days after account opening.
Frost Bank: Best Customer Service
If you're looking for a Texas-based bank, Frost Bank is an excellent choice. With around 195 locations across the Lone Star State, this local bank is always nearby to serve you.
Beyond its strong presence in Texas, Frost Bank is renowned for exceeding customer expectations. They even ranked #1 in Retail Banking Customer Satisfaction in Texas, according to the J.D. Power 2024 U.S. Retail Banking Satisfaction Study.[5]
Frost also offers a wide range of financial services, like checking, savings, loans, and investments. If you want to grow your funds, they have excellent savings options, including CDs with various terms, and competitive rates, and all you need is $1000 to start.
Frost Bank: 3-Month CD - 2.70% APY
Frost Bank: 6-Month CD - 2.50% APY
Frost Bank: 12-Month CD - 2.25% APY
Frost Bank: 24-Month CD - 2.05% APY
Frost Bank: $0 Overdraft Fees
Meet qualifying conditions and get $0 fees when you overdraw $100 or less from your account. You are automatically enrolled in the overdraft grace feature if you have a Frost Personal or Plus Account, have not opted out of our standard overdraft courtesy program, and have at least $500 in direct deposits posting to your account within the past 33 days. See terms and conditions for more information.
Types of Banks in Texas
Below are the different types of banks you'll find in Texas:
National banks
National banks, chartered and supervised by the U.S. Treasury, offer a wide range of financial products like banking, credit cards, loans, and investments. These banks typically provide convenient access to services with branches and ATMs across multiple states.
Regional banks
Regional banks, on the other hand, serve specific geographic areas such as a state or region. They have fewer branches than national banks but offer more personalized services.
Online banks
Online banks offer financial services without physical locations. Everything is handled through their website or mobile app, and you can usually withdraw cash at ATMs.
Without the cost of maintaining branches, online banks often provide higher interest rates, no service fees, and lower balance requirements.
Credit unions
Credit unions provide banking services such as checking and savings accounts, but focus on serving their members rather than making a profit. As member-owned institutions, they usually offer better savings rates and lower loan rates.
However, they have membership requirements and might offer fewer services than banks.
You can compare rates, fees, and services to find a bank with low costs and good customer support. Also, feel free to call, visit a branch, or check the website of your prospective bank for more details. In the end, the best bank for you will depend on your personal preferences and needs.
How to Choose the Best Bank in Texas
Just like you're laying down roots in Texas, your money also needs a financial home. Here's what to consider when choosing the right bank:
Accessibility
Convenience is key. Choose a bank with branches close to your home and work, so you have easy access to ATMs and in-person support.
Checking and savings accounts
Pick a bank with the accounts and features you need. For example, some banks' checking accounts may have overdraft assistance or free budgeting tools.
Monthly fees
Some banks (especially traditional banks) charge a monthly fee unless you maintain a certain minimum balance or meet other criteria. This doesn't have to be a dealbreaker, as long as you can easily meet the requirements.
Additional services
Looking for more than banking? Banks usually also offer credit cards, loans, investment tools, and small business products. Look into the bank's other services if you want a one-stop-shop.
How to Open a Bank Account in Texas
Opening a bank account in the US is pretty simple and straightforward. Here's how the process typically goes:
- Go to the website or visit a physical branch of your chosen bank.
- Complete the application form for your chosen product. You'll need to provide basic information such as your name, address, SSN, a valid ID, etc.
- Submit your application and fund your account.
Remember, when opening an account with a credit union, you'll need to meet their membership requirements first.
Bottom Line
There are a lot of good banking options for residents of Texas. Those who spend a lot of time out of state moving around the country may prefer a more national bank like Wells Fargo, Bank of America, or PNC.
Immigrants and those who prefer to patronize local businesses may get more out of community-oriented institutions such as GECU and Rally Credit Union.
And those looking for a mix of digital and brick-and-mortar service would do well with modern banks like Chase and Capital One
References
- ^ U.S. Small Business Administration. 100 most active SBA 7(a) lenders, Retrieved 08/20/2024
- ^ Rally Credit Union. Membership, Retrieved 08/20/2024
- ^ Federal Reserve Board. Large Commercial Banks, Retrieved 12/18/2025
- ^ IRS.gov. International Taxpayers, Retrieved 08/20/2024.
- ^ Frost Bank. Fact Sheet, Retrieved 08/20/2024
Jeremy Harshman is a creative assistant at CreditDonkey, a bank comparison and reviews website. Write to Jeremy Harshman at jeremy.harshman@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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