Best Banks for Small Businesses in Texas of June 2025

Pros

• No monthly fees or minimum opening deposit.
• Unlimited fee-free transactions; no overdraft fees.
• Earn 1.50% interest on account balances up to and including $250,000. Terms apply.
• Access up to $3 million in FDIC insurance with Insured Cash Sweep.
• No fees at MoneyPass ATMs.
• Account holders are assigned to a dedicated banker or customer support representative.

Cons

• No fee-free cash deposits.
• Fee for using out-of-network ATMs.
• Does not offer jointly-owned accounts.

Pros

• No monthly fees or minimum opening deposit.
• Unlimited fee-free transactions, no overdraft fees and free incoming domestic wires.
• Up to $12 in monthly refunds for ATM fees charged by other banks worldwide.
• Unlimited cash deposits via MoneyPass and Allpoint ATMs.
• Accept contactless payments via the NBKC app (iOS only). Fees apply.
• Unlimited debit cards.

Cons

• High fee ($45) for international wire transfers.
• Phone support only available during business hours.
• No third-party app integrations.

Pros

• No minimum opening deposit.
• Unlimited fee-free electronic and debit card transactions.
• Integrated credit card processing.
• No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
• 24/7 customer support.
• No fees at 16,000 Chase ATMs and access to around 4,700 branches.
• Supports Zelle for Business.

Cons

• $15 monthly fee.
• Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).
• Fee for using out-of-network ATMs.

Pros

• No monthly fee for the first 12 statement cycles.
• Welcome offer for new accountholders.
• Loyalty perks via Preferred Rewards for Business program.
• Relatively low overdraft fees ($10 per item, limited to two per day)

Cons

• $100 minimum opening deposit.
• Fee for using out-of-network ATMs.
• $16 monthly fee after introductory period ends.

Pros

• No monthly fees or minimum opening deposit.
• No excess transaction fees and no charge for domestic incoming wires.
• Earn 1.30% APY on balances up to $500,000.
• 24/7 customer support.
• No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.

Cons

• Can’t deposit cash.
• No outgoing international wire transfers.
• Does not offer jointly owned accounts.

Pros

• High APY.
• Earn interest on balances of $0.01 and higher.
• No monthly fee or minimum deposit.
• Access up to $10 million in FDIC insurance with Insured Cash Sweep.

Cons

• No ATM or debit card access.
• No weekend customer support.

Pros

• Phone customer support available until 11 p.m. ET on weekdays and on Saturdays and Sundays.
• No fees at Wells Fargo ATMs and access to around 4,900 branch locations.
• Supports Zelle for Business.

Cons

• No free business checking account option.
• Limit of 100 fee-free transactions per month.

Pros

• Industry-leading APY.
• No minimum balance to earn interest.
• Access to Insured Cash Sweep network for expanded FDIC insurance.

Cons

• Fee for excess transactions.
• No ATM or debit card access.