6 Best Banks for Small Business in Texas

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Compare Top Business Banks
Check out our roundup of best banks for small businesses and compare offers to find the right bank for you.

Small-business owners in Texas have a lot of options when it comes to business banking. To help you narrow down your search, we evaluated dozens of banks to find the best offerings.

NerdWallet compared national and regional banks, online banks, as well as credit unions and nonbanks to identify the best banks for small businesses in Texas.

We looked for banks and credit unions that offered business checking accounts with low fees and easy access — either at a branch or online — that didn’t impose a lot of limits on your account activities.

Summary of the best banks for small business in Texas

Bluevine Business Checking
NerdWallet rating 

at Bluevine, Deposits are FDIC Insured

An online bank with a free business checking account that earns 2.00% APY on balances up to and including $100,000. Terms apply.

nbkc Business Account
NerdWallet rating 

at nbkc bank, Member FDIC

Fully online business checking with no fees, no transaction limits and no cap on cash deposits.

Chase Business Complete Banking℠
NerdWallet rating 

at Chase, Member FDIC

A mainstay bank with an innovative mobile app and more than 500 brick-and-mortar locations in Texas.

BBVA USA Business Connect Checking
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Read review

Free business checking with no ATM fees, even out of network. Plus, special perks and discounts for business customers.

Commercial Bank of Texas Totally Free Business Checking

A hometown bank offering free business checking and a suite of small-business loans.

Wells Fargo Initiate Business Checking℠ Account
NerdWallet rating 
Read review

A large national bank with an expansive footprint in Texas and three business checking accounts to choose from.


Bluevine technically isn’t a bank. But the financial services company offers a free online business checking account, which is backed by The Bancorp Bank and insured by the FDIC. Bluevine also offers business lines of credit.

Here are some of the highlights:

Business checking:

  • Free business checking account with no minimum deposit.

  • No overdraft fees or transaction limits.

  • Earn 2.00% interest on balances up to and including $100,000. Terms apply.

  • No ATM fees at more than 34,000 MoneyPass ATMs.

  • Checking account integrates with PayPal and Swipe and can sync with QuickBooks or Wave.

  • One-time and recurring bill payments via ACH, wire transfer or check.

Additional services:

  • Small-business loans, including invoice factoring and lines of credit.


NBKC’s free business checking is an attractive option for business owners who don’t mind a fully online banking experience. While NBKC has only four branch locations, all in the Kansas City area, customers can access their account through the mobile app, the website and any of the 34,000+ MoneyPass ATMs.

Here are some of the highlights:

Business checking:

  • Free business checking with no monthly fees, overdraft fees or transaction fees.

  • Free, unlimited cash deposits at participating MoneyPass ATMs.

  • Fees charged by other ATMs automatically refunded (up to $12 per month).

  • Account can be opened and managed entirely online.

Additional services:

  • Add-on invoicing software for $10 per month, after a free 60-day trial.

  • Small-business loans, including term loans, construction loans, inventory and equipment financing, and SBA loans.


Chase doesn’t offer a free business checking account, but perks like unlimited electronic transactions and integrated payment processing via the Chase mobile app make up for the monthly fee. There are more than 500 Chase branches in Texas and nearly 5,000 nationwide.

Here are some of the highlights:

Business checking:

  • Chase Business Complete Checking℠ is $15 per month, but there are multiple ways to avoid the fee.

  • Unlimited electronic deposits. In-person and paper transactions are limited to 20 per month for Chase Business Complete and 250 per month for Chase Performance Business Checking®.

  • Payment processing through the Chase mobile app with QuickAccept℠, no additional point-of-sale equipment needed.

  • Open an account online or in one of the bank’s 500+ branch locations in Texas.

  • Live customer service available by phone 24/7.

Additional services:

  • A full suite of Chase Ink business rewards credit cards, which offer generous sign-up bonuses, as well as other Chase business credit cards.

  • A variety of small-business loans, including lines of credit, equipment financing and SBA loans.

  • Chase offers payment services for e-commerce and retail businesses, including Chase QuickAccept, which lets business owners accept credit card payments from the mobile app.

BBVA Compass

BBVA Compass is the fourth largest bank in Texas and has more than 300 locations across the Lone Star State, so business owners are never far from a BBVA branch. And with three business checking account options — Business Connect, Business Choice and Business Premium Checking — BBVA Compass has a bank account to fit most business needs.

Here are some of the highlights:

Business checking:

  • Business Connect Checking has no monthly fee or minimum balance requirement.

  • Minimum opening deposit of $100 on all BBVA business checking accounts.

  • BBVA Compass does not charge ATM fees, including at out-of-network ATMs.

  • Transaction limits and cash deposit caps apply. Allowable amounts vary by account type.

  • Free online banking, bill pay and mobile deposit.

  • Sole proprietors can apply online; all other businesses can apply by phone or in person.

Additional services:

  • Small-business loans, including lines of credit, commercial real estate loans and SBA loans.

  • Rewards credit card for small-business owners that earns 1.5 points for every dollar spent. A secured business rewards credit card is also available.

  • Optional add-ons like online payroll services (starting at $61/month) and payment processing systems through Clover.

  • Additional perks for business customers include hotel and car discounts and free financial wellness seminars.

Commercial Bank of Texas

A homegrown bank that’s been operating in the Lone Star State since 1901, Commercial Bank of Texas offers checking accounts, loans and insurance for small-business owners.

Commercial Bank’s free business checking offers generous monthly cash deposits (up to $10,000) and transaction limits (1,000 fee-free) when compared with larger banks. Wells Fargo, for example, allows only 100 fee-free transactions on its basic business checking account.

Here are some of the highlights:

Business checking:

  • Two primary business checking options: Totally Free Business Checking and Business Interest Checking. Each requires a minimum opening deposit of $50.

  • Up to $10,000 in free cash deposits and 1,000 free transactions a month, which is more generous than most brick-and-mortar business checking accounts.

  • Free online banking, bill pay and mobile deposits.

Additional services:

  • Small-business loans, including SBA and Farm Service Agency loans.

  • Business insurance options, including liability insurance, commercial property insurance and workers compensation insurance.

Wells Fargo

Wells Fargo has 560 branches in Texas, more than any other financial institution, and offers a wide range of banking services for business owners who want in-person banking and can swing a monthly fee.

Here are some of the highlights:

Business checking:

  • Three business checking accounts with monthly maintenance fees ranging from $10 for the bank's entry-level checking account (Initiate Business Checking) to $75 for a premium checking account that earns credits to offset fees (Optimize Business Checking).

  • Transaction limits range from 100 to 250 per month, depending on the account. Wells Fargo counts all withdrawals, debits and deposits, including mobile deposits, toward your transaction limit. Debit card purchases and payments do not count toward the limit.

  • Up to $20,000 in cash deposits per month, depending on the account type.

  • All business checking accounts can be opened online, over the phone or by visiting a branch.

Additional services:

  • Business savings accounts and CDs that earn 0.01%.

  • Small-business loans, including commercial real estate and equipment financing. Wells Fargo also offers SBA loans.

  • Profit-sharing, 401(k) and IRA options for business owners and their employees.

  • Point-of-sale systems available through Clover.

  • Payroll services available through ADP.