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Best banks in Texas

Explore top banks in Texas with nearby branches for easy access, customer support and more.

Switching banks is never an easy move. Whether you’re moving to Texas or just want a better bank with sweet deals, we’ve narrowed down eight of the best banks in the state for you.

Quick look of the best Texas banks

Chase Bank Logo

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Best overall

Chase is a solid choice overall, well-known for its rewards credit cards and variety of banking products. It has one of the largest ATM networks in Texas, with over 500 ATMs in the state alone. With that many ATMs, you’ll likely have a few in your area to help avoid pesky out-of-network fees when withdrawing cash. It also has dozens of branches in some of Texas’ biggest cities for easy access to customer support and your cash. Chase also offers multiple checking and savings accounts to choose from, and there’s likely an account for everyone in your family. But its savings account APYs vary by location and, historically, aren’t that high.

Pros
  • Over 500 ATMs in Texas
  • Over 4,700 branches across US
  • Multiple banking products available
Cons
  • Poor APY on savings accounts

Best for small businesses

PNC offers many personal and business accounts to choose from, but its basic Business Checking account took the win in this category. While there’s a $12 monthly fee, it offers multiple ways to waive it. Alongside that, you’ll get up to 150 free transactions per month by meeting some requirements, no charges for up to $5,000 in cash deposits at select locations and free bill pay. On top of that, there’s a $200 signup bonus when you maintain a balance of $5,000 and make at least 20 debit card transactions within the first three months. Unlike many other top business checking accounts in Texas, PNC gives you the option to apply online or in person — most require you to head to a branch. PNC is a large bank with hundreds of ATMs and branches in Texas, so you’ll likely have easy access to your cash. But you’ll need at least $100 to open its basic business account.

Pros
  • Over 300 branches in Texas
  • Over 40,000 ATMs nationwide
  • $200 signup bonus for business checking
  • Up to 4.65% APY on its savings
Cons
  • Poor customer support reviews
  • Most accounts require an opening deposit

Best for branch access

If in-person banking is a necessity for you, Wells Fargo is worth considering. There are 490 Wells Fargo branches in Texas alone, hundreds more than most banks in the state. As one of the big four banks in the US by assets and over 70 million customers, it’s a recognizable bank with a full suite of products and services. However, Wells Fargo doesn’t have the cleanest record — it recently had to pay $250 million for a civil penalty related to its home loans. Customer reviews and ratings are also largely negative, and it earns thousands of complaints on its BBB profile.

Pros
  • 490 branches in Texas
  • One of the largest banks in the US
  • Large suite of products and services
Cons
  • Over 5,000 BBB complaints
  • Recent $250 million civil penalty

Best for military families

USAA offers banking products for US military members, veterans and their families. Offering bank accounts, insurance, youth accounts, mortgages, investing and much more, it’s a full-service bank with affordable products. Its CDs offer rates as high as 5% APY for select terms. There are free checking options, youth accounts and multiple saving accounts to choose from. To become a member, you must be either an active, retired or honorably separated officer of the US military — close family members can also join if you’ve qualified for a membership. Membership is free, and most personal banking options don’t have monthly fees, but you’ll need to make an opening deposit. Also, while USAA has over 60,000 ATMs across the country, there’s only one branch in Texas, so you’ll need to be comfortable speaking with customer support online or via phone.

Pros
  • No monthly fee on most accounts
  • Up to 5% APY on select CD terms
  • 60,000+ ATMs across US
Cons
  • Accounts require opening deposit
  • Savings accounts earn low APY
  • Requires membership
  • One branch in San Antonio

Best hybrid bank

With its large variety of personal banking options, Capital One takes the win for the best hybrid bank. While it’s mostly an online bank, it has 3,804 branches in the US and 16,000 ATMs in Texas. There are six checking accounts and five savings accounts to choose from, all suiting different lifestyles. While most of your banking will be online, Capital One has stellar reviews for its mobile banking app. One of its best accounts is the 360 Checking Account with no minimums, no monthly fees, early direct deposit and 0% foreign transaction fees. Its savings accounts are solid, too, with the 360 Performance Savings offering a competitive 4.30% APY and no monthly fees. While its app reviews are great, it has over 10,000 BBB complaints, and reviews about its customer service aren’t the best.

Pros
  • 16,000 ATMs in Texas
  • No monthly fees
  • Competitive rates on savings products
Cons
  • Over 10,000 BBB complaints
  • Pricey outgoing wire transfers

Texas Capital Bank Logo

Best for savings

Texas Capital Bank has one of the highest-yielding savings accounts among the best banks in Texas. Its Star High-Yield Savings Account offers up to 5% APY exclusively for Texas residents. There are no minimum balance requirements, no monthly fees and no opening deposit requirement. Balances up to $1 million can earn 5% APY, so no worries about needing to meet balance requirements to earn the best rate. The bank’s CDs are also solid, and one of the best CDs is a 180-day term with a 4.71% APY, but you’ll need at least $1,000 to open it. Its checking options are competitive as well, offering low-fee options and an interest-bearing checking account. But if you want branch access, look elsewhere, because Texas Capital only has 11 in the state.

Pros
  • High 5% APY on its High-Yield Savings Account
  • High CD rates up to 4.71% APY
  • Interest-bearing checking account available
Cons
  • Only 11 branches in Texas

IBC Bank Logo

Best for checking

It was a close call, but IBC Bank took the win for best checking in Texas, thanks to its large variety of accounts for all walks of life and free checking options. IBC’s aptly named Free Checking Account has no monthly fees and offers 50 free checks. There are also two interest-bearing checking account options, a relationship account that offers better rates on CDs and a premium account for those 50 years and older. Nearly all come with unlimited checkwriting, and the accounts with monthly service fees let you waive the fee by keeping a minimum balance. IBC is headquartered in Texas and one of the largest banks in the state, but the site is slightly outdated and difficult to navigate. You’ll also likely need an opening deposit for most of its accounts, and it doesn’t have as many branches or ATMs as other top Texas banks.

Pros
  • Variety of checking accounts available
  • Ways to waive fees on all personal checking accounts
  • Premium checking for ages 50+
Cons
  • Most accounts require opening deposits

Frost Bank Logo

Best for customer service

Frost Bank takes our win for best customer service as it ranked the highest in JD Power’s 2023 US Retail Banking Satisfaction Study for the state of Texas. Frost also earns a stellar A+ rating with the BBB and barely has any complaints in the last few years, which is practically unheard of for a bank. Most reviews are positive, with customers citing great customer service with helpful and friendly representatives. It also has a good number of personal and business banking options to choose from, with multiple and easy ways to waive monthly fees. But it has a less-than-average number of ATMs, only around 1,700 across the country.

Pros
  • Top-ranked in JD Power’s banking satisfaction study
  • Positive customer reviews
Cons
  • Only 155 branch and ATM locations

Methodology: How we chose the best Texas banks

Finder’s banking experts review 23 top banks based on JD Power’s 2023 customer satisfaction survey, number of branches and ATMs located in Texas and asset size according to the Texas Department of Banking. These banks are then analyzed based on the following criteria:

  • Total number of branches in the US and Texas
  • Total number of ATMs
  • Out-of-network ATM fees
  • APYs for savings
  • Types and total number of accounts
  • Monthly fees for the most basic accounts available
  • Membership requirements

Top banks considered include: Bank of America, BBVA, Cadence Bank, Chase, Capital One, Centennial Bank, Comerica, First Financial Bank, First National Bank, Frost Bank, IBC Bank, Independent Bank, PlainsCapital Bank, PNC Bank, Prosperity Bank, Regions Bank, Southside Bank, Texas Capital Bank, Truist Bank, USAA, Wells Fargo, Woodforest National Bank and Zions Bank.

6 factors to consider when choosing a bank

Texas is a large state with nearly 400 different financial institutions to choose from — not including online options.(1) When comparing banks, prioritize these factors:

  1. Fees. Whether you’re looking for a personal or business bank account, compare monthly maintenance fees, opening deposit requirements and ATM fees.
  2. Customer support. If something were to ever go awry with your account, you’ll want an easy way to contact the bank to resolve the issue. Compare customer care options, like business hours for customer phone lines, 24/7 chat support and branches in your area for in-person support.
  3. Variety of products. If you prefer keeping most of your bank accounts in one place, look for a full-service bank with a variety of checking, savings and lending products. Also, look at types of accounts, like retirement or kid-specific accounts.
  4. ATM and branch access. Having access to in-person customer support and free ATMs makes it easier to access your cash.
  5. Signup bonuses. While this shouldn’t be a deciding factor, if the bank offers a signup bonus for the account you’re considering, see if you can easily meet the requirements to earn that free cash.
  6. Interest rates. Most banks offer savings accounts, but the APY is what you need to compare. Some accounts have high APYs, but others fall well below the national average.
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Expert tip: Online banks can offer stronger perks

If you don't visit your bank's branch often — or at all — then an online bank might be the way to go. Online banks tend to offer fewer fees and higher APYs on their bank accounts, because they have less overhead, so they can pass on their savings to their customers. You may also get access to more modern perks, such as 24/7 in-app chat support, financial advice and budgeting and savings tools.

— Bethany Hickey, Writer, Banking and Loans.

Must read Best online banks

Compare online bank accounts

Narrow down online checking accounts by monthly fees, APY, opening deposits and more. For an even closer comparison, tick the Compare box on up to four accounts to view features side by side.

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024.
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
$0
N/A
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Member FDIC.
Cash Card by Cash App
Finder Score: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
$0
N/A
The Cash App Cash Card lets you pay for goods and services both online and in stores using your Cash App balance. Enjoy features like ATM access, direct deposit, instant discounts at select stores and a customizable card.
Axos Bank Rewards Checking
Finder Score: 4.2 / 5: ★★★★★
Bonus
Axos Bank Rewards Checking
$0 per month
$0
3.30% on balances of $0 to $50,000
Use promo code AXOS300 and apply by June 30th, 2024, to earn up to $300 bonus, $50 each month you meet requirements: Make direct deposits of $5,000+ each month for the first 7 months and maintain an average balance of $7,000.
Earn up to 3.3% APY after meeting rate requirements. Get ATM free reimbursements at all domestic ATMs. Pay $0 monthly or overdraft fees. FDIC insured.
Chime® Checking Account
Finder Score: 4.8 / 5: ★★★★★
Chime® Checking Account
$0 per month
$0
N/A
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
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10 top banks by branch presence in Texas cities

If branch access is a top priority, having a bank with multiple locations in your home city is a huge plus.

CityBank# of branches
AustinWells Fargo34
DallasChase Bank42
Fort WorthChase Bank23
HoustonChase Bank91
LongviewAustin Bank5
LubbockPlainsCapital Bank10
MidlandCommunity National Bank7
PlanoChase Bank13
San AntonioWells Fargo27
TylerSouthside Bank13

Bottom line

It’s not easy to switch banks or choose a bank — especially with so many banks available in Texas and all the various factors to consider. If none of these best options are for you, or you’re looking for a bank with stronger rates and fewer fees, an online bank with nationwide availability might work for you.

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