Best Banks in San Antonio
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Discover the top-rated banks in San Antonio, Texas. This insightful guide will help you find the most reliable banking services in the area.
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Citi Priority - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
- New to Relationship customers can choose their Relationship Tier.
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
- Restrictions apply.
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- 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*
As a San Antonio resident, you have no shortage of banking options.
But which banks really are the best in the city?
Not to worry: This guide walks through the most outstanding banks serving San Antonio customers. Read on to learn more about the best banks in San Antonio for savings, checking, and more.
The Best Banks in San Antonio
Our guide looked at a variety of factors to choose the best banks in San Antonio. This includes the account they offer, interest rates, and overall convenience.
Now let's dive in and see which really are the best banks for San Antonio.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 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.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send or receive money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
Citi Priority - Earn up to $2,000 Cash Bonus
Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day. New To Relationship customers can choose their Relationship Tier. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities. Restrictions apply.
| Balance Levels | Maximum Bonus |
|---|---|
| $10,000 - $29,999 | $200 |
| $30,000 - $74,999 | $500 |
| $75,000 - $199,999 | $1,000 |
| $200,000 - $299,999 | $1,500 |
| $300,000 and above | $2,000 |
Bank of America: Best National Bank
If you spend a lot of time traveling or do business out of the area, a national bank might be a better fit than a regional one. In that case, consider Bank of America.
You won't have trouble finding a branch locally—there are 29 in San Antonio alone and more than 130 branches across Texas.
Big banks also tend to offer a wider range of financial products as well. Bank of America has a range of checking and savings options for customers of all types.
Bank of America Advantage Banking - $200 Bonus Offer
- The $200 bonus offer 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 1/31/2024.
- To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
Chase: Best for Checking
If you want the convenience of mobile banking and the offerings of a large national bank, then Chase may be the right pick for you.
Chase is known for having branches everywhere, and in larger cities, you may see one every couple of blocks. They have 33 branches in the San Antonio area, with more than 4,700 branches and over 15,000 ATMs in the U.S.
But Chase doesn't operate a purely brick-and-mortar banking model. Far from it. They have a easy-to-use mobile app as well as a desktop site for online banking.
So, what do you get with Chase checking?
Chase checking accounts provide access to their branches and ATMs and online banking services, as well as Autosave automatic transfers. Here are a few of their popular accounts to consider:
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- 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 Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 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.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send or receive money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
Chase College Checking℠ - $100 Bonus
- Enjoy $100 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.
- No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- Access to more than 15,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Chase Overdraft Assist℠ - no overdraft fee 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 Private Client - $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- 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.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
J.P. Morgan Self-Directed Investing
- Get up to $700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money.
- $700 when you fund with $250,000 or more
- $325 when you fund with $100,000-$249,999
- $150 when you fund with $25,000-$99,999
- $50 when you fund with $5,000-$24,999
- Get unlimited commission-free online stock, ETF, fixed income, and options trades when you open an account.
- $0 Online Commission trades
- Choose an account that's right for you: General Investing, Traditional IRA or Roth IRA.
- Access our secure, easy-to-use trading experience online or through the Chase Mobile® app.
- Our powerful tools and resources are built to help you take control of your investments.
INVESTMENT AND INSURANCE PRODUCTS ARE:
J.P. Morgan Personal Advisors
- Start the new year with a personalized financial plan and ongoing advice from J.P. Morgan.
- Work with a team of fiduciary advisors who will create a personalized financial plan, match you to expert built portfolios and provide ongoing advice via video or phone.
- Connect with a J.P. Morgan team member to schedule a free financial planning session. Call 833-930-4515 or fill out our contact form and we'll be in touch.
- Get matched to expert-built portfolios, and receive ongoing advice and annual check-ins to ensure your plan is on track.
- Our team of advisors act as fiduciaries so you can be confident that any advisor you work with has your best interest at heart.
- Manage all of your banking, investing and borrowing, and conveniently transfer money online and on the Chase Mobile® app.
- Once we understand your financial picture, risk tolerance and time horizon, we'll recommend a professionally designed investment portfolio that meets your needs and automatically rebalances as the market shifts.
- Partner with an advisor to build a personalized financial plan based on what's important to you—whether that's paying off debt, opening a business or saving for a big purchase.
INVESTMENT AND INSURANCE PRODUCTS ARE:
Referral Program - Up to $500 Bonus
Earn $50 for every referred client who successfully opens a new qualifying checking and/or savings account, and completes qualifying activities. Referred clients must be new Chase customers. Earn a maximum of $500 in referral bonus per calendar year.
The information for the Chase Refer a Friend has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Savings℠ - $200 Bonus
Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
The information for the Chase Savings℠ account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Wells Fargo: Best for Small Business Owners
In San Antonio, our top pick for small business banking is Wells Fargo, which has almost 50 branches throughout the area.
According to reports from the Small Business Administration (SBA), Wells Fargo is one of the most active SBA 7(a) lenders. Wells Fargo provides its own business loans too.[1]
Small business owners know that there are vital banking services that they depend on, and Wells Fargo excels in all of them, whether it's bank accounts, merchant services, or lending.
Small business owners will also appreciate the Wells Fargo Initiate Business Checking account with an easy-to-waive fee.
Wells Fargo also ranks well in transparency when it comes to their interest rates. Many business-oriented banks refuse to disclose interest rates on their loans unless you visit a branch office. Wells Fargo, on the other hand, posts their rates publicly, visible for all to see.
Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade. Link your accounts with a banker or online.
Personal Checking Account - $325 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade.
Savings Account - $525 Bonus
Open a new eligible consumer savings account. Provide the bonus code at account opening. Bonus code can be obtained by providing your email address. Deposit $25,000 or more in new money to the savings account within 30 days of account opening. Maintain at least $25,000 in the account until 90 days after account opening.
Personal Checking Account - $300 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Personal Checking Account - $300 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). $300 bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Frost: Best Regional Bank
If you'd prefer a bank that keeps things a little closer to home, consider our choice for the best regional bank in San Antonio—Frost Bank.
Frost offers 3 different checking accounts with monthly fees ranging from $8 to $30, but each account has the potential to be fee-free if you qualify to waive them.
The Frost Personal Account is their standard checking account, with wide ATM access and $100 grace on overdrafts if you qualify.
Pay a little more for the Frost Plus Account and get perks like ATM refunds up to $5 per statement cycle, fee-free cashier's checks and money orders, and unlimited Frost Savings Accounts.
The Frost Premium Account, the most expensive of the three, increases ATM refunds to $15, gets rid of wire transfer and overdraft fees entirely, and gives you access to unlimited checking, savings, and money market accounts with no extra fees.
As for savings, you can earn with a Frost Savings Account, Frost Money Market Account, and their 24-month CDs.
Frost also offers personal, home, and auto loans, mobile banking, debit cards, and investment accounts for retirement, education, and more.
Broadway National Bank: Best Local Bank
If you're looking for a bank that knows San Antonians well, consider Broadway National Bank, a local bank founded in the city of San Antonio in 1941 by Col. Charles E. Cheever Sr., and his wife, Elizabeth Cheever. Now they have nearly 20 locations and numerous ATMs in San Antonio and the surrounding area.
They provide a range of banking services for individuals, small businesses, and even commercial and private banking. Customers can open checking and savings accounts, apply for mortgages, car and personal loans, open credit cards, and more.
And with decades serving the residents of San Antonio, you can be sure they understand your needs better than a national bank headquartered far away in another state.
Other Banks to Consider
If for some reason none of the banks above is the right fit for you, don't worry. You aren't out of options just yet. Here's a look at some other San Antonio banks that are worth your consideration.
Vantage Bank
Vantage Bank is a Texas bank with 23 locations around the state, including two in San Antonio, and another outside the city in nearby Hondo.
Family-owned and founded all the way back in 1923, Vantage Bank offers personal, business, and even international banking services.
Some of the services they offer include checking and savings accounts, home loans, bill pay, credit cards, and foreign exchange.
Amegy Bank
Another Texas bank, Amegy Bank has multiple locations across the Lone Star State, including San Antonio as well as ones in Greater Houston, Fort Worth, and Dallas.
They offer a range of checking accounts including ones for seniors and members of the military. They have useful tools for helping customers find the right account, and offer wealth management, private banking, and investment services in addition to their primary offerings.
The Bank of San Antonio
If you're in the market for a business-oriented bank, you might want to consider the Bank of San Antonio.
Founded in 2007 and staffed by professionals with experience in providing financial services to businesses, the Bank of San Antonio offers a wide selection of services for businesses as well as some personal banking features as well.
Take advantage of commercial lending and real estate, business banking, SBA lending, business insurance and more.
Personal banking through their Primera Account offers users checks and a Visa debit card, automatic deposits and concierge service, among other perks.
Texas Capital Bank
Texas Capital Bank is a commercial bank founded in Texas in 1998. They offer banking services to businesses from a range of industries including manufacturing, energy, food and beverage and plenty more. They also offer their clients wealth management and investment banking services.
In addition to their San Antonio location, Texas Capital Bank has locations in Austin, Dallas, Fort Worth, Houston, and New York.
Bottom Line
San Antonians have plenty of excellent choices when it comes to banking. If you like to keep it local, consider a regional bank that's used to catering to Texans' needs, like Frost Bank.
For the widest access to checking services, consider a big bank like Chase or Bank of America.
Small business owners ought to consider Wells Fargo, which has a history of providing support to clients like them across the nation.
References
- ^ "100 most active SBA 7(a) lenders": SBA.gov, 2022.
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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