Best banks in Texas for 2026

Texas offers a diverse range of banking options, from major national banks to community-focused credit unions. Frost Bank and Texas Capital Bank are among the top regional banking choices, both boasting solid customer service and products tailored for Texans. Frost Bank, headquartered in San Antonio, has over 200 branches and 1,700 ATMs in the state.

It ranks first in J.D. Power's 2025 U.S. Retail Banking Satisfaction study, offering 24/7 customer service and a highly-rated mobile app. However, its account yields are less competitive. Texas Capital Bank, a Dallas-based institution, stands out with a 4.5 out of 5 stars Bankrate Score, low fees and competitive earnings in its Star High-Yield Savings Account.

Randolph-Brooks Federal Credit Union leads the credit union category, serving over 1 million members through 65 branches and surcharge-free 30,000 ATMs nationwide. Its Really Free Checking account, with no monthly fee or minimum balance, also earns interest on any balance. Despite Texas hosting hundreds of banks and credit unions, these institutions stand out for their regional presence, customer service, and financial offerings.