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Best-of Awards 2026
Note: The star ratings on this list are specific to the bank's entry-level business checking account, not the overall institution. The exception is Live Oak Bank, which we've highlighted for its standout business savings account.
Best banks for small businesses in Texas
- American Express: Best online bank for high-yield business checking.
- Bank of America: Best for loyalty perks and digital banking tools.
- Bluevine: Best for high APY + built-in business tools.
- Chase: Best national bank for Texas businesses.
- Frost Bank: Best Texas bank for customer service.
- Live Oak Bank: Best for online business savings + SBA loans.
- NBKC: Best for no-fee online business account.
- Prosperity Bank: Best Texas-chartered bank for branch access.
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No monthly fee- No minimum deposit
- No overdraft fees
- ATM fee reimbursement
- Free cash deposits
- Interest-earning
- Physical checks
- Cash deposits
- Insured cash sweep
- Invoicing
- Payment processing
- Sub-accounts
- Branch access
Sort by:
- Default
- NerdWallet rating (high to low)
- APY (high to low)
- Monthly fee (low to high)
Showing 0 out of 8 cards
Nerdwallet best-of awards2026 BEST Online Business Checking Account
Bluevine Business Checking
Best for High APY and built-in business tools
APY
1.30%
Earn 1.30% interest on account balances up to and including $250,000. Terms apply.
With $0 min. balance for APY
Monthly fee
$0
Bonus
$500
Earn a $500 bonus when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code NW500.
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
- No required monthly fee, minimum opening deposit, excess transaction or overdraft fees.
- Earn 1.30% 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.
- Bill pay tools and invoicing with built-in payment links, plus tap-to-pay card acceptance.
Cons
- No fee-free cash deposits.
- Fee for using out-of-network ATMs.
- Does not offer jointly-owned accounts.
Bluevine is a great option no matter the state you live in. The financial technology company works with an FDIC-insured partner bank to offer a free business checking account that earns 1.30% APY (terms apply). The account also features a growing suite of business tools, including invoicing with payment links and bill pay with automated approval workflows. And Bluevine offers business lines of credit up to $250,000.
Min. opening deposit
$0
Free cash deposits
No
Fees vary by location.
Overdraft fees
$0
Pros
- No required monthly fee, minimum opening deposit, excess transaction or overdraft fees.
- Earn 1.30% 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.
- Bill pay tools and invoicing with built-in payment links, plus tap-to-pay card acceptance.
Cons
- No fee-free cash deposits.
- Fee for using out-of-network ATMs.
- Does not offer jointly-owned accounts.
Bluevine is a great option no matter the state you live in. The financial technology company works with an FDIC-insured partner bank to offer a free business checking account that earns 1.30% APY (terms apply). The account also features a growing suite of business tools, including invoicing with payment links and bill pay with automated approval workflows. And Bluevine offers business lines of credit up to $250,000.
Min. opening deposit
$0
Free cash deposits
No
Fees vary by location.
Overdraft fees
$0
nbkc Business Account
Best for No-fee online business account
APY
N/A
Monthly fee
$0
Bonus
N/A
at nbkc bank, Member FDIC
Pros
- No monthly fee, minimum opening deposit, excess transaction or overdraft fees.
- 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
- Must pay a fee to use built-in software features via Autobooks.
NBKC gives you the perks of an online business account but with the security of a fully FDIC-insured bank. There are no middlemen. No rotating cast of partner banks. Just a solid free online business checking account with no monthly fees, no transaction limits and no cap on cash deposits. NBKC also has a top-notch business money market account that earns 2.75% APY.
The bank's business loans are only available to Kansas City-based businesses, though. So look elsewhere if you're in the market for a business bank loan.
Min. opening deposit
$0
Free cash deposits
Yes
Unlimited
Overdraft fees
$0
Pros
- No monthly fee, minimum opening deposit, excess transaction or overdraft fees.
- 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
- Must pay a fee to use built-in software features via Autobooks.
NBKC gives you the perks of an online business account but with the security of a fully FDIC-insured bank. There are no middlemen. No rotating cast of partner banks. Just a solid free online business checking account with no monthly fees, no transaction limits and no cap on cash deposits. NBKC also has a top-notch business money market account that earns 2.75% APY.
The bank's business loans are only available to Kansas City-based businesses, though. So look elsewhere if you're in the market for a business bank loan.
Min. opening deposit
$0
Free cash deposits
Yes
Unlimited
Overdraft fees
$0
Nerdwallet best-of awards2026 BEST Brick-and-mortar Business Checking Account
Chase Business Complete Banking®
Best for National bank for Texas businesses
APY
N/A
Monthly fee
$15.00
Waived with $2,000 minimum balance
Bonus
Earn up to $500
Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
Requirements to qualify
at Chase, Member FDIC
Pros
- Welcome bonus for new customers (terms apply).
- Unlimited fee-free electronic and debit card transactions.
- No fee on cash deposits at Chase ATMs.
- Overdraft grace period/amount (24 hours and up to $50).
- Built-in invoicing and Zelle for Business.
- Accept credit card payments using the Chase mobile app.
Cons
- $15 monthly service fee.
- Fee for using out-of-network ATMs, no ATM fee refunds.
- High overdraft, wire transfer fees.
- Does not earn interest.
This mainstay bank has an innovative mobile app and nearly 500 brick-and-mortar locations in Texas. While Chase doesn't have a free business checking account, perks like unlimited electronic transactions and integrated payment processing via the Chase mobile app make up for the monthly fee. (You have multiple ways to get Chase to waive the fee as well.)
A full-service bank, Chase also has a variety of small-business loans, including lines of credit, equipment financing and SBA loans. It has a complete suite of Chase business credit cards too.
Min. opening deposit
$0
Free cash deposits
Yes
Up to $5,000 per month.
Overdraft fees
$34
Pros
- Welcome bonus for new customers (terms apply).
- Unlimited fee-free electronic and debit card transactions.
- No fee on cash deposits at Chase ATMs.
- Overdraft grace period/amount (24 hours and up to $50).
- Built-in invoicing and Zelle for Business.
- Accept credit card payments using the Chase mobile app.
Cons
- $15 monthly service fee.
- Fee for using out-of-network ATMs, no ATM fee refunds.
- High overdraft, wire transfer fees.
- Does not earn interest.
This mainstay bank has an innovative mobile app and nearly 500 brick-and-mortar locations in Texas. While Chase doesn't have a free business checking account, perks like unlimited electronic transactions and integrated payment processing via the Chase mobile app make up for the monthly fee. (You have multiple ways to get Chase to waive the fee as well.)
A full-service bank, Chase also has a variety of small-business loans, including lines of credit, equipment financing and SBA loans. It has a complete suite of Chase business credit cards too.
Min. opening deposit
$0
Free cash deposits
Yes
Up to $5,000 per month.
Overdraft fees
$34
Bank of America® Business Advantage Fundamentals™ Banking
Best for Loyalty perks and digital banking tools.
APY
N/A
Monthly fee
$16.00
$0 for the first 12 statement cycles.
Bonus
$400 or $750
Click 'Learn More' for details
Requirements to qualify
at Bank of America, N.A., Member FDIC
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.
Bank of America has a strong presence in the Lone Star state with more than 300 branch locations. The bank's business checking account includes a Cash Flow Monitor dashboard to help you manage finances in one place. It integrates with popular third-party apps, including ADP, QuickBooks Online, Google Workspace, Google Analytics, Expensify and TurboTax.
Bank of America Preferred Rewards for Business members may qualify for loyalty perks — like higher rewards rates on credit cards and discounted rates on lines of credit and loans — in exchange for deepening their relationship with the bank.
Min. opening deposit
$100
Free cash deposits
Yes
Up to $5,000 per statement cycle.
Overdraft fees
$10
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.
Bank of America has a strong presence in the Lone Star state with more than 300 branch locations. The bank's business checking account includes a Cash Flow Monitor dashboard to help you manage finances in one place. It integrates with popular third-party apps, including ADP, QuickBooks Online, Google Workspace, Google Analytics, Expensify and TurboTax.
Bank of America Preferred Rewards for Business members may qualify for loyalty perks — like higher rewards rates on credit cards and discounted rates on lines of credit and loans — in exchange for deepening their relationship with the bank.
Min. opening deposit
$100
Free cash deposits
Yes
Up to $5,000 per statement cycle.
Overdraft fees
$10
American Express® Business Checking
Best for Online bank for high-yield business checking
APY
1.00%
Earn 1.00% APY (annual percentage yield) on balances up to $500,000 as of 09/15/2026. APY is subject to change at any time without notice before and after a Business Checking Account is opened.
Monthly fee
$0
Bonus
35,000 Points
Earn 35,000 Membership Rewards® points. Convert Membership Rewards® points into deposits directly into your American Express® Business Checking account. Other redemption options available. Terms apply. For new members: Points you earn, including the Welcome Bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account. Terms apply. For Membership Rewards-enrolled Card holders: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more. Terms apply. *Participating partners and available rewards are subject to change without notice.
1) Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account, AND
▪ Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts.
2) Maintain an average account balance of $5,000 for the next 60 days,
AND
3) Make 5 or more qualifying transactions within 60 days of opening your account
▪ Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.
4) American Express is currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
Requirements to qualify
at American Express National Bank, Member FDIC
Pros
- No monthly fee, minimum opening deposit or excess transaction fee.
- 24/7 customer support.
- No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.
- Earn 1 Membership Rewards® point for every $2 spent on eligible business debit card purchases.
Cons
- Can’t deposit cash.
- No outgoing international wire transfers.
- Does not offer jointly owned accounts.
American Express is best known for its suite of business credit cards, but they also offer a top-notch business checking account that earns 1.00% APY on balances up to $500,000. American Express has 24/7 live customer support as well, so you can always get a hold of someone when you need help.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits.
Overdraft fees
N/A
Pros
- No monthly fee, minimum opening deposit or excess transaction fee.
- 24/7 customer support.
- No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.
- Earn 1 Membership Rewards® point for every $2 spent on eligible business debit card purchases.
Cons
- Can’t deposit cash.
- No outgoing international wire transfers.
- Does not offer jointly owned accounts.
American Express is best known for its suite of business credit cards, but they also offer a top-notch business checking account that earns 1.00% APY on balances up to $500,000. American Express has 24/7 live customer support as well, so you can always get a hold of someone when you need help.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits.
Overdraft fees
N/A
Live Oak Bank Business Savings
Best for Online business savings + SBA loans
APY
2.75%
Earn 2.85% APY with a minimum balance of $0.01.
With $0.01 min. balance for APY
Monthly fee
$0
Bonus
N/A
at Live Oak Bank, Member FDIC
Pros
- High APY.
- Earn interest on balances of $0.01 and higher.
- No monthly maintenance fee or minimum deposit.
Cons
- No ATM or debit card access for Business Savings account.
- No weekend customer support.
his online bank offers a decent business checking account. But Live Oak’s real star is its high-yield business savings account, which earns 2.75% APY on all balances. Live Oak also has a robust business loan program and has been one of the leading SBA 7(a) loan providers in Texas (by dollar amount) every year since 2019.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits
Overdraft fees
N/A
Pros
- High APY.
- Earn interest on balances of $0.01 and higher.
- No monthly maintenance fee or minimum deposit.
Cons
- No ATM or debit card access for Business Savings account.
- No weekend customer support.
his online bank offers a decent business checking account. But Live Oak’s real star is its high-yield business savings account, which earns 2.75% APY on all balances. Live Oak also has a robust business loan program and has been one of the leading SBA 7(a) loan providers in Texas (by dollar amount) every year since 2019.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits
Overdraft fees
N/A
Frost Bank Business Checking
Best for Texas bank for customer service
APY
N/A
Monthly fee
$14.00
$14 Multiple ways to waive
Bonus
N/A
Pros
- 200+ branches in Texas.
- 24/7 support from Texas-based bankers.
- Fast access to mobile deposits (next business day).
- Send and receive payments via Zelle for Business.
Cons
- $14 monthly service fee.
- $50 minimum opening deposit.
- Fee for using out-of-network ATMs.
Frost Bank is the standard in Texas for best-in-class service. J.D. Power has ranked the bank number one for customer satisfaction in Texas for 17 consecutive years, including 2026. While J.D. Power's study measures retail banking satisfaction, many business owners who use Frost sing the bank’s praises on Reddit and other online forums.
Frost also stands out as one of Texas's largest independent, Texas-chartered banks. It serves businesses in every major Texas market. Highlights include 24/7 support from Texas-based bankers, quick access to mobile deposits and a low-cost business checking account. The bank also has high-yield savings options, provides merchant services and features several business loan options.
Min. opening deposit
$50
Free cash deposits
Yes
Up to $5,000 per month
Overdraft fees
$35
Pros
- 200+ branches in Texas.
- 24/7 support from Texas-based bankers.
- Fast access to mobile deposits (next business day).
- Send and receive payments via Zelle for Business.
Cons
- $14 monthly service fee.
- $50 minimum opening deposit.
- Fee for using out-of-network ATMs.
Frost Bank is the standard in Texas for best-in-class service. J.D. Power has ranked the bank number one for customer satisfaction in Texas for 17 consecutive years, including 2026. While J.D. Power's study measures retail banking satisfaction, many business owners who use Frost sing the bank’s praises on Reddit and other online forums.
Frost also stands out as one of Texas's largest independent, Texas-chartered banks. It serves businesses in every major Texas market. Highlights include 24/7 support from Texas-based bankers, quick access to mobile deposits and a low-cost business checking account. The bank also has high-yield savings options, provides merchant services and features several business loan options.
Min. opening deposit
$50
Free cash deposits
Yes
Up to $5,000 per month
Overdraft fees
$35
Prosperity Bank Small Business Checking
Best for Texas-chartered bank for branch access
APY
N/A
Monthly fee
$10.00
Waived with a $3,000 minimum daily balance.
Bonus
N/A
Pros
- 300+ branchesin Texas.
- No monthly limits on cash deposits.
- Live chat support.
Cons
- $10 monthly service fee.
- $200 minimum opening deposit.
- Fee for using out-of-network ATMs.
With more than 300 branches across 155+ Texas cities and towns, Prosperity reaches small and rural markets that national banks often leave behind. The bank’s flagship business checking account has a low monthly fee and no limits on cash deposits — an important feature for cash-heavy brick and mortar businesses.
Also worth noting: Our experience with Prosperity’s customer support was excellent. We reached out via the bank’s live chat tool — staffed during business hours — and were immediately connected with a rep. They answered multiple questions about account fees, limits and features. That level of responsive, competent service is something a chat bot simply can’t deliver.
Min. opening deposit
$200
Free cash deposits
Yes
Unlimited
Overdraft fees
$35
Pros
- 300+ branchesin Texas.
- No monthly limits on cash deposits.
- Live chat support.
Cons
- $10 monthly service fee.
- $200 minimum opening deposit.
- Fee for using out-of-network ATMs.
With more than 300 branches across 155+ Texas cities and towns, Prosperity reaches small and rural markets that national banks often leave behind. The bank’s flagship business checking account has a low monthly fee and no limits on cash deposits — an important feature for cash-heavy brick and mortar businesses.
Also worth noting: Our experience with Prosperity’s customer support was excellent. We reached out via the bank’s live chat tool — staffed during business hours — and were immediately connected with a rep. They answered multiple questions about account fees, limits and features. That level of responsive, competent service is something a chat bot simply can’t deliver.
Min. opening deposit
$200
Free cash deposits
Yes
Unlimited
Overdraft fees
$35
Jump to
Other banks for businesses in Texas
How we chose the best banks for business in Texas
What’s new with Texas business banks?
Other banks for businesses in Texas
Texans are rich with choice for business banks. There are more than 300 unique banks operating in Texas — more than in any other state in the country as of March 2026. Use this map to find banks that offer business checking accounts and have large branch networks in the region.
» MORE: Best business loans in Texas
How we chose the best banks for business in Texas
To build our list of best banks for business in Texas, we started with the banks we know best — the 50+ national, regional and online financial institutions we evaluated in 2026. We focused on top-rated banks that have a large presence in Texas based on FDIC data. We also included the best online business accounts, which we’d recommend for business owners in any state.That was the easy part.
The hard part? Digging into the Texas banking landscape. We dove into Reddit threads, Facebook groups and community forums to see which banks Texas business owners recommended to other Texans. Two popped up consistently: Frost Bank and Prosperity Bank. These Texas-chartered banks anchored our recommendations.
The Texas bank finder (above) captures a wider swath of banks and credit unions. But with more than 300 banks and hundreds of credit unions operating in Texas, there are inevitably good options that we missed.
What’s new with Texas business banks?
Prosperity Bank continues M&A expansion strategy
Prosperity Bank’s parent company has already closed the book on two major mergers in 2026. The bank officially acquired American Bank in January and Texas Partners Bank in February. And it has another coming up: Houston-based Stellar Bank.
That merger, announced in January, is expected to close in summer 2026. When that happens, Prosperity will have close to 350 branch locations across the state, plus a handful in Oklahoma.
Huntington Bank enters the chat
Five years ago, Huntington Bank had no commercial banking footprint in Texas. Two marquee mergers later, Huntington has nearly 150 full-service branches and the eighth-largest deposit market share in Texas.
Huntington acquired Veritex Bank in October 2025. The Dallas-based community bank was a popular choice for female entrepreneurs, thanks in part to its Women in Business networking community. It’s unclear whether this program will survive the merger.
Huntington also closed a deal for Cadence Bank in February 2026. This merger expands Huntington’s footprint from 14 to 21 states. Cadence had more than 390 branches and 1 million customers across Texas, Louisiana, Mississippi, Tennessee, Georgia, Alabama, Arkansas, Florida and Missouri.
Comerica bought by Fifth Third Bank
Dallas has been Comerica's home since 2007, when the bank relocated its headquarters from Detroit. That chapter is now closed.
Fifth Third Bank completed its acquisition of Comerica in February 2026, creating the ninth-largest bank in the U.S. For Texas business owners, the deal signals more competition ahead. Fifth Third plans to open 150 new branches in Texas over the next five years, expanding well beyond Comerica's existing footprint.
Note on American Express® Business Checking: At Allpoint® and MoneyPass® locations in the U.S., you can withdraw cash and get balance information with no fee. Access to ATMs outside of the Allpoint® and MoneyPass® networks are subject to fees by the ATM owner and/or network. ATM withdrawal limits apply. American Express applies foreign exchange fees to withdrawals in foreign currencies. American Express does not accept ATM cash deposits into your Business Checking account at this time. Visit americanexpress.com/atm-locator to find participating ATMs in the U.S.
Methodology
NerdWallet’s writers and editors evaluate more than 60 business bank accounts from national, regional and online banks. Collectively, these accounts represent the largest banks by assets and the largest credit unions by membership, along with notable and emerging fintech companies and online banks.
We consider more than 20 data points for each account, including services, fees, features and rewards. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we adjusted our expectations for APYs due to falling interest rates.
Final ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn more about how we rate business checking accounts.
