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Texas leads the country in both population growth and economic expansion, making it a hotspot for personal and business banking. From fast-growing metro areas like Austin and Dallas to rural towns across the state, Texans have no shortage of options when it comes to managing their money.
The best banks in Texas offer a mix of low fees, competitive interest rates, and strong customer service. No matter your financial goals, there’s a bank that fits your style and needs.
12 Best Banks in Texas
Texas banks range from national brands with extensive ATM networks to local credit unions that prioritize personal service. Here are our top picks for Texans looking for value, convenience, and long-term support.
SoFi is a top choice for Texans looking to earn more from their money with a digital-first banking experience.
Its Checking & Savings account offers up to 3.80% APY on savings and 0.50% APY on checking balances.
New customers can also earn a welcome bonus of up to $300 by meeting direct deposit requirements.
The account includes FDIC insurance up to $2 million through SoFi’s partner bank network and comes with no monthly, overdraft, or minimum balance fees.
Customers also benefit from early paycheck access and nationwide access to over 55,000 fee-free ATMs through the Allpoint® network.
Frost Bank has built a strong reputation across Texas for its reliable service and customer-first approach.
Headquartered in San Antonio, it operates more than 150 branches across cities like Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Houston, and San Antonio.
It consistently ranks high for customer satisfaction, earning top marks from J.D. Power for more than a decade.
Customers can choose from several checking and savings account options with straightforward fee structures and flexible access.
The Frost Personal and Frost Plus accounts offer digital tools, debit cards, and no monthly fees if certain balance or activity requirements are met. For those needing financial support, Frost also provides personal, auto, mortgage, and home equity loans.
In addition to everyday banking, Frost stands out for its 24/7 customer support and mobile banking tools that make it easy to manage accounts on the go.
Founded in 1901 in Killeen, First National Bank of Texas has grown into one of the state’s most recognizable community banks, with more than 290 branches across Texas.
Cities with branch locations include Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Houston, Killeen, Laredo, McAllen, and San Antonio.
The bank offers a full range of personal banking products, including multiple checking account options designed for different financial needs.
Savings accounts and CDs are also available for those looking to set aside money and grow it securely over time.
For tech-savvy customers, First National Bank of Texas provides mobile wallet compatibility and a digital banking platform that allows for easy money management.
On the business side, the bank offers checking accounts, merchant services, business cards, and online tools that support efficient operations.
Upgrade offers a fully digital banking experience for Texans who want a simple, reward-driven way to manage their money.
The Upgrade Rewards Checking Plus account provides up to 2% cash back on everyday debit card purchases—a rare perk for a checking account.
Paired with the Performance Savings account, which offers a strong APY of up to 4.02%, Upgrade makes it easy to earn more on both spending and saving.
The platform eliminates common banking headaches with no monthly maintenance fees, no overdraft fees, and no minimum balance requirements.
Upgrade also gives customers access to over 55,000 fee-free ATMs through the Allpoint® Network, providing convenient cash access throughout Texas and beyond.
Texas Capital Bank is based in Dallas and operates branches in cities such as Austin, Fort Worth, Houston, Plano, and San Antonio.
It also serves customers through its online division, Bask Bank.
The bank offers Star and Star Plus checking accounts that earn interest and include digital banking tools.
Savings and money market accounts come with competitive rates, no monthly service fees, and no minimum balance requirements.
Customers can also open CDs with flexible terms, apply for rewards-based credit cards, or choose from several personal loan and line-of-credit options.
With reliable customer service and a wide product lineup, Texas Capital Bank is a strong option for Texans who want access to both in-person banking and online features.
Randolph-Brooks Federal Credit Union is one of Texas’s largest credit unions, with branches in cities including Austin, Dallas, New Braunfels, Pflugerville, Round Rock, and San Antonio.
RBFCU offers free checking with no monthly fees or minimum balance requirements, plus access to more than 55,000 surcharge-free ATMs nationwide.
Members can open savings accounts, CDs, and money market accounts with competitive rates.
The credit union also provides low-rate loans for autos and homes, along with credit cards that offer rewards.
Its mobile app supports mobile check deposit, bill payments, and quick transfers, giving members convenient control over their accounts.
Bank of America, a national bank with an extensive network, operates numerous branches throughout Texas, supported by a vast array of ATMs nationwide.
The bank’s mobile app enhances the customer experience with features like easy check deposits and bill payments, facilitating banking on the go.
Customers in Texas can select from multiple checking accounts at Bank of America, with minimum deposits ranging from $25 to $100.
These accounts come with monthly maintenance fees between $0 and $25, but there are several ways to waive these fees, making banking more accessible. Additionally, the accounts are designed to offer multiple options for avoiding overdraft fees.
Apart from checking accounts, Bank of America provides a wide range of financial products. These include savings accounts, various credit card options, and diverse loan services, encompassing home and auto loans.
Texas Trust Credit Union serves members across Texas with branches in cities like Arlington, Cedar Hill, Grand Prairie, Hurst, and Mansfield.
The credit union offers several checking options, including Easy Checking with no monthly fees, Bonus Checking with added benefits like cell phone protection and telehealth access, and Power Checking for those maintaining higher balances.
Savings options include standard Share Savings accounts, holiday and youth accounts, money market accounts with competitive yields, and CDs with fixed terms and monthly interest.
Texas Trust also issues credit cards with low interest rates, including a secured option for those building credit. Additional services include personal loans, vehicle financing, and mortgage products.
Chase is the largest bank in the U.S. and has a strong presence across Texas, with branches in cities like Austin, Dallas, El Paso, Fort Worth, Houston, and San Antonio.
One of its most popular products is the Chase Total Checking® account. This account includes access to over 15,000 fee-free ATMs and more than 4,700 branches nationwide.
Chase Total Checking® has a $12 monthly service fee, which can be waived by meeting certain requirements such as direct deposit or maintaining a minimum daily balance.
Account holders also benefit from features like Chase Online Banking, the Chase Mobile app, and free access to Zelle® for sending and receiving money.
Chase complements its checking account with other financial products, including credit cards, mortgages, and auto loans.
Woodforest National Bank is a Texas-based bank with a strong presence in retail-heavy areas across the state, including locations in cities like Arlington, Houston, Pasadena, Plano, San Antonio, and Tyler.
With extended hours and branches inside Walmart stores, it offers added convenience for customers who prefer in-person service.
One of its most popular options is the Bonus Checking account, which includes features like overdraft protection, cell phone insurance, and telehealth services.
The account has a $25 minimum opening deposit and a monthly fee that can be reduced by meeting specific criteria. For a simpler experience, the Easy Checking account provides basic banking services without a monthly fee.
Woodforest also offers savings and money market options, including accounts that pay interest without requiring a daily balance minimum.
For those needing financing, the bank provides personal loans, auto loans, and home loans through a partnership with Rocket Mortgage.
Cadence Bank has over 400 branches in the South, and stands as one of the top 50 largest banks in the United States.
It has a strong presence in Texas, operating 85 branches across 59 cities and towns.
Headquartered in Tupelo, Mississippi, and Houston, Texas, the bank also serves Alabama, Arkansas, Florida, Georgia, Louisiana, Missouri, Oklahoma, and Tennessee.
Cadence Bank offers various financial and banking solutions that cater to a broad spectrum of clients, from individual consumers to businesses and large corporations.
The bank offers five tiers of checking accounts, including an interest-earning account with a minimum opening balance of $1,000 or an interest-earning account for seniors age 62+, that requires just $50 to open.
Cadence also has four different savings accounts, including one for kids. Of particular note is the bank’s 5.25% APY 8-month CD.
The bank’s financial products extend to credit cards, loans, and lines of credit, including mortgage services for homebuyers and refinancers, and insurance products.
Wells Fargo is one of the most accessible banks in Texas, with more than 600 branches across the state. Cities with locations include Amarillo, Austin, Dallas, El Paso, Fort Worth, Houston, Lubbock, Plano, and San Antonio.
The bank offers several types of checking accounts, including basic accounts with low monthly fees that can be waived, accounts that earn interest, and options tailored to teens and students.
On the savings side, Wells Fargo provides multiple account choices, including those for short-term goals and emergency funds.
Wells Fargo’s mobile app and online banking platform allow customers to transfer funds, deposit checks, and pay bills with ease.
Additional services like Zelle for peer-to-peer payments and access to thousands of ATMs nationwide add convenience.
Types of Banks in Texas
Selecting the ideal bank in Texas hinges on your personal preferences and banking needs. The state offers a variety of choices, including large national banks, regional banks, community banks, online-only banks, and credit unions. Below is a breakdown of what each type offers:
National Banks
National banks have a significant presence in the major cities across Texas. These banks, known for their extensive range of services, cater to a diverse clientele. Examples of national banks operating in Texas include Bank of America, Wells Fargo, Chase Bank, and Citibank.
Regional Banks
Regional banks in Texas have branches in specific areas of the U.S. Typically mid-sized, they offer a balanced array of personal and business banking products. Some regional banks in Texas are Frost Bank, Cadence Bank, Prosperity Bank, and Comerica Bank.
Community Banks
Community banks, smaller in scale, cater specifically to local areas within Texas. They are known for their personal touch and community involvement. Examples of community banks in the state include Texas Capital Bank, Independent Bank, and PlainsCapital Bank.
Online Banks
Online banks operate without physical branches in Texas but provide comprehensive banking services via the internet and mobile platforms. Their lower operational costs often translate into more competitive interest rates and lower fees. For those comfortable with digital banking, options like Ally Bank, Simple, and Discover Bank offer excellent services.
Credit Unions
Credit unions in Texas are member-centric organizations, often providing better interest rates and lower fees than traditional banks. They focus on personalized service and community engagement. Notable credit unions in Texas include Randolph-Brooks Federal Credit Union, Navy Federal Credit Union, and Texas Dow Employees Credit Union.
How to Choose the Best Bank in Texas
Selecting the top banks in Texas requires careful consideration of several factors relevant to your unique financial needs and habits. Consider these important aspects:
Financial products and services: Look for a bank that meets your specific financial needs, offering a wide array of products and services, such as personal and business banking, credit cards, and mortgage loans.
Fees and charges: Examine the fees and charges for different services. Opt for a bank that offers low or no fees for basic services to help reduce your expenses.
Branch and ATM accessibility: Consider the location of the bank’s branches and ATMs in Texas, especially their proximity to your home or workplace.
Customer service: Evaluate the quality of customer service, including the bank’s responsiveness, availability of personalized services, and feedback from other customers.
Digital capabilities: Assess the bank’s online banking and mobile app for secure and convenient banking experiences.
Community engagement and reputation: Consider the bank’s involvement in community initiatives and its overall reputation in the Texas market to choose a bank with a positive community impact.
Remember, the best bank for you should align with your financial habits and goals, offering effective tools and services for your financial management.
Final Thoughts
Texas offers no shortage of banking options, from nationwide names to digital-first platforms and locally focused credit unions. Whether you want simple checking, high-yield savings, or business services, the best banks in Texas make it easy to manage your money on your terms.
Focus on what matters most to you. That might be low fees, strong customer service, competitive rates, or easy access to cash. With the right bank, your financial routine becomes simpler and more effective.
Dawn is a personal finance writer with extensive experience in finance, technology, real estate, and small business. She specializes in making complex financial topics easy to understand.
