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Best banks and credit unions in Texas

Explore the top five banks deep in the heart of Texas.


Fact checked

Our pick for online banking in Texas: BBVA Online Checking

BBVA Online Checking logo


Deposit to Open

  • Access to online and mobile banking
  • No monthly service charge
  • No ATM withdrawal fees at Allpoint and BBVA ATMs
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Texas may be known for its barbeque, live music and big belt buckles, but it also has no shortage of solid banking options. We’ve rounded up the best five banks and credit unions in the Lone Star State, so you can find a financial institution that’s right for you.

BBVA: Best for online banking

Although not headquartered in Texas, BBVA operates as the sixth largest bank in the state. It has a six-time award-winning mobile app, which is why it takes the cake as the best institution for online banking.

USAA Federal Savings Bank: Best for military members

There’s no denying that Texas has a large military presence. If you’re a service member who’s in the market for a new bank, USAA Bank may have exactly what you need. It primarily serves active duty National Guard and Reserve members, veterans, cadets, midshipmen and their immediate family members.

Wells Fargo: Best for ATM access

Wells Fargo has more branches in Texas than any other bank. If you’re constantly on the go, opening an account with this leading giant ensures you have access to an ATM or branch when you need it.

Frost Bank Logo

Frost Bank: Best for customer service

Frost Bank is a local institution headquartered in San Antonio. It prides itself on superior customer service and has earned awards to back it up.

First National Bank of Texas Logo

First National Bank of Texas: Best for small businesses

First National Bank of Texas offers a wide variety of checking and savings accounts for personal and business use. But what sets this bank apart from the rest is its small business perks. As a small business owner, you’ll get access to a suite of financial tools to help you build and maintain your credit, develop a business plan and create financial statements.

How we chose the best banks in Texas

To find the best banks and credit unions in Texas, we gathered a list of the top 50 largest financial institutions in the state by asset size. Then, we weeded through factors like account types, overall fees, accessibility, customer service and special features to bring you the top five best financial institutions in Texas.

Compare checking accounts from the best banks in Texas

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
BBVA Free Checking
1,000 fee-free ATMs across the country
Pay a $0 monthly service charge and get free access to BBVA ATMs.
USAA Classic Checking
Free at 60,000 ATMs nationwide (USAA, Allpoint, MoneyPass, PNC)
An online checking account means no driving around town, no waiting in line and no bankers' hours.
BBVA Premium Checking
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
Wells Fargo Preferred Checking
Everyday Checking, banking made easy. Open with $25.
Wells Fargo Everyday Checking
More than 13,000 Wells Fargo ATMs nationwide
Everyday Checking is banking made easy. Open with $25.

Compare up to 4 providers

Bottom line

There’s no shortage of banking options in Texas. But the best institutions are the ones that are convenient and help you manage your money with ease. As always, explore each bank until you find one that checks all the right boxes.

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