Best Banks in Texas
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Texas offers a wide range of banks, from big national names to trusted regional institutions. Whether you’re looking for personalized service at a local branch or the convenience of a larger bank with more locations, this Texas banking guide highlights the top options for checking, savings and certificates of deposit (CDs).
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Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP TEXAS BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Features
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Detailed Reviews of the Best Banks in Texas
Here are GOBankingRates’ top picks for the best banks in Texas for 2025.
Gold Winner: Prosperity Bank
Prosperity Bank serves Texans with a range of checking accounts plus strong savings and money market account options. Its CD rates are also competitive with other brick-and-mortar banks.
Best For
Mobile Banking
Mortgages
Personal Loans
Business Banking
Credit Cards
Large Branch Network
Prosperity Bank is great for those who want the feel and experience of a local financial institution without missing out on the products offered by bigger banks. With a large branch network across Texas, it offers a variety of checking, savings and loan products.
Total Branch Locations
Over 250
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, CDs, credit cards, mortgages, home equity loans, auto loans, personal loans, business loans, wealth management services
Pros
- Far-reaching branch network
- Accounts for every type of customer
- Community focused
Cons
- App reviews are mixed
- Low savings rates
- Some accounts have fees that are difficult to waive
Why We Like Prosperity Bank
Prosperity Bank offers competitive CD rates and, despite being a regional bank, provides a wide range of financial products. Its highly rated app on both Google Play and the Apple App Store makes banking even easier.
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Silver Winner: Frost Bank
For over a decade, Frost Bank has consistently earned high marks from J.D. Power for customer satisfaction in retail banking. The bank provides a full suite of financial products, and its CDs come with competitive yields up to APY.
Best For
Digital Banking
Auto Loans
Credit Cards
Personal Loans
Investing Options
Interest-Earning Checking Accounts and Competitive CD Rates
Headquartered in San Antonio, Frost Bank operates several branches across Texas. Its offerings include checking and savings accounts, insurance, wealth management services and investing options.
Total Branch Locations
200
Mobile App Rating
4.9 on the Apple App Store and 4.8 on Google Play
Other Products Offered
Checking, savings, CDs, personal loans, auto loans, home equity loans, mortgages, credit cards, investments, insurance
Pros
- Competitive CD rates
- Fee-free checking with direct deposit
- Highly rated for customer satisfaction
Cons
- Limited ATM network
- Geographical presence is limited
- Some accounts have fees 
Why We Like Frost Bank
Frost Bank appeals to those who value exceptional customer service and strong community ties. With a broad range of products, modern digital banking tools and a commitment to serving its communities, Frost Bank blends traditional service with innovative solutions.
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Bronze Winner: Wells Fargo
Wells Fargo has branches in over 36 states and is ideal for those who want both in-person banking and digital access. As a larger institution, it offers a wide range of financial products to meet the needs of almost any customer. GOBankingRates has recognized it as one of the best national banks in 2025.
Best For
Investment Management
Personal Loans
Corporate and Commercial Banking
Home Loans
National Banks
$25 Minimum Deposit for Checking Accounts
U.S. Bank provides services for everyday banking and specialty services like loans, investments and commercial banking. The U.S. Bank app is user friendly and there are approximately 2,200 ATMs across 26 states.
Total Branch Locations
Over 2,200
Mobile App Rating
4.8 on the Apple App Store and 4.7 on Google Play
Other Products Offered
Everyday banking, investment management, corporate and commercial banking, home, vehicle and personal loans
Pros
- Diverse product offerings
- Extensive branch and ATM network
- 24/7 customer service
Cons
- Low interest rates on savings accounts
- Monthly maintenance fees
- High overdraft fees
Why We Like U.S. Bank
U.S. Bank offers a wide range of banking products, including checking, savings, loans and investment services, making it a one-stop solution for financial needs. It has an extensive branch and ATM network and a user-friendly app.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Sept. 5, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Texas  
When selecting the right bank in Texas, start with your financial priorities. The best fit depends on what matters most to you:
- Local vs. national banks: Do you like to conduct your transactions in person? A local bank may be best for you, so you can have familiarity with staff and banking representatives. For broader product offerings and a larger presence, consider a national bank. 
- Digital banking availability: If you’re conducting transactions on the go, then having digital availability is important. Check out the bank’s mobile app and online platform before making your choice. 
- Branch and ATM access: Check the size of the ATM network and branch locations to avoid out-of-network fees and ensure convenient access.
- Fees and waivers: Review fee schedules to see if there are minimum balance requirements. You will want to know if fee waivers are possible. 
- Community involvement: Look into how actively the bank supports local charities and initiatives, if community impact matters to you.
Final Take
Choosing the right bank in Texas comes down to what you value most — whether that’s competitive CD rates, convenient branch access or digital banking tools. Explore GOBankingRates’ picks for the best banks in Texas above and take the first step toward opening your account today.
FAQs About Banking in Texas
Here's more information to help you find the best Texas bank for your needs.- What is the best bank for high-yield savings in Texas?
- Wells Fargo offers competitive rates on savings accounts.
- Which banks have the most ATMs in Texas?
- Frost Bank and Wells Fargo both have large ATM networks across Texas.
- Are there any banks in Texas with no monthly fees?
- Frost Bank offers a fee-free checking account when you set up direct deposit.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Caitlyn Moorhead contributed to the reporting of this article.
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