Updated September 2, 2023

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.

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.

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.

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:

Tip: Pricing varies from one account to another, but Chase fees can often be waived. Check out our guide to learn how to avoid the monthly service fees.

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.

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.

Fun fact: In San Antonio, they actually have more branches than many of their larger competitors, with over 30 branches in the area and over 100 in the state of Texas in its entirety. Not to mention over 1,000 ATMs that are free for customers to access.

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.


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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