Everything’s bigger in Texas, but what if you’re running a small business? When it comes to Texas small businesses, finding the right financial partner can be the difference between bootstrapping success and starting on shaky ground. You’re in business to make money, so where you keep it is vital. But with a multitude of banks vying for your business—and many of them charging burdensome fees or offering subpar service — selecting the perfect fit requires careful consideration. 

Before committing to a bank for your business, weigh factors like account fees, available services (like online banking and merchant services) and loan options tailored to your specific needs. We’ve already done the legwork, so you can make an informed decision and select the best bank for your small business in Texas.

The Top Texas Banks for Small Businesses

We rounded up the best Texas banks for small businesses by evaluating account features, loan options, customer service and technology offerings. We gave special attention to banks’ local expertise, branch networks and capabilities to handle specific needs like international trade and diverse credit histories. Read more about the features we prioritized in the methodology section.

1. North One 

We’ll let you in on a secret: there’s really no need for physical banks anymore. That’s why Texas small businesses seeking a streamlined and tech-savvy banking solution should look no further than North One.

As an online business bank, North One ditches the traditional branch model in favor of a user-friendly online platform that you can access from your phone or computer. North One’s focus on technology translates to features specifically designed to make your life easier, like automated bookkeeping, effortless bill pay and financial insights to master your cash flow analysis. Without expensive branches to pay for, North One keeps costs down, offering free accounts and most services at no fee.

North One understands the importance of real-time financial data. Their dashboards provide a clear view of your current and expected cash flow, helping you make informed decisions about your business. They also offer a variety of integrations with popular accounting software such as QuickBooks or Xero, so you can automatically sync your transactions and ensure your books are always up-to-date. This seamless integration allows you to reconcile statements, generate reports and gain a deeper understanding of your financial health with just a few clicks and no manual data entry.

Another unique aspect of North One is their focus on the collaborative nature of many small businesses. Their team banking feature provides unique logins and debit cards for each co-owner, fostering transparency and simplifying expense management. No more shared logins or confusing spreadsheets — each team member can track their spending and company finances independently. This fosters trust and accountability within your business while also saving you time and simplifying expense reporting.

Finally, no branches doesn’t mean no service. Quite the opposite: North One’s highly responsive support team successfully resolves most issues faster than you could drive to the bank.

2. Frost Bank

Texas-based businesses seeking a supportive partner with deep roots in the community might consider Frost Bank. Founded in 1868, Frost Bank boasts a long history of building relationships with local businesses. 

They offer a comprehensive suite of financial products and services specifically tailored to small businesses. This includes everything from checking accounts with access to the largest ATM network in Texas to online banking tools for streamlined money management. They are well-known for their loan programs designed specifically for small businesses, including SBA loans and lines of credit.

Perhaps Frost Bank’s most distinct advantage is its dedicated business banking advisors. Unlike faceless national banks, Frost assigns a local banker to your business. This dedicated contact provides personalized service and guidance, ensuring you get the right financial solutions to meet your specific needs.

Frost Bank’s commitment to small businesses extends beyond financial services. They offer a wealth of resources to help small business owners succeed. This includes educational workshops on topics like financial planning, marketing and human resources. Frost Bank also provides access to a network of experienced professionals, such as accountants and lawyers, who can provide valuable guidance to small businesses.

Furthermore, Frost Bank recognizes the importance of technology in today’s business landscape. They offer a user-friendly online banking platform that allows business owners to manage their finances anytime, anywhere. Frost Bank integrates with popular accounting software programs, making it easy to reconcile statements and track financial performance.

3. Amegy Bank

As a Texas-based institution with a deep understanding of the local landscape, Amegy Bank is well-positioned to support the growth of many Texas small businesses. Founded in 1990 with a commitment to serving the Texan community, Amegy Bank offers a suite of solutions designed to meet small business needs.

Beyond everyday business banking solutions like checking accounts and financing options, Amegy goes the extra mile to equip you for success. Their merchant services can streamline your payment processing, allowing you to accept credit cards, debit cards, and ACH payments directly through their user-friendly digital banking platform. This not only simplifies your operations but also encourages faster payments from your customers, with 95% of invoices settled within 5 business days.

Amegy Bank also offers international banking options, ensuring you can conduct business seamlessly across borders. Their Treasury Management services can help you optimize your cash flow, streamline disbursements, reduce risk, and make and collect payments more efficiently. This can free up valuable time and resources for you to focus on other aspects of your business.

With a focus on personalized attention and a deep understanding of the Texan spirit, Amegy Bank also offers superior customer service. They offer a variety of resources to help you grow your business, such as business planning workshops and access to a network of experienced professionals. Finally, Amegy Bank offers a variety of educational resources, such as webinars and articles, on their website.

4. Texas Capital Bank 

Texas Capital Bank stands out as a strong partner with a deep understanding of the state’s economic climate. Headquartered in Dallas and boasting a presence in most major Texan cities, they offer services designed to address the needs of a growing business. This includes customizable business checking accounts that can waive monthly fees if your business meets certain qualifications. This can be a significant advantage, especially for small businesses with fluctuating cash flow.

Texas Capital Bank goes beyond basic checking and savings accounts by offering Treasury Management services. These services help you optimize your cash flow, streamline day-to-day operations and gain better control over your finances. Additionally, their investment products allow you to put your surplus funds to work, potentially growing your wealth over time and laying a strong financial foundation for your business’s future.

Texas Capital Bank’s dedicated Business Banking group fosters a collaborative environment where experienced bankers take the time to understand your specific needs and goals. With local teams strategically placed throughout Texas, you’ll have access to financial experts who understand the local business landscape. Whether you’re seeking a loan to purchase equipment or real estate, or simply want to improve your cash flow management, Texas Capital Bank can provide personalized service and financial expertise.

5. IBC Bank

For Texas small businesses with international aspirations, IBC Bank stands out as a strong partner with a deep understanding of the intricacies of cross-border trade. Headquartered in Laredo, Texas, with a vast network of branches throughout the state, IBC Bank is uniquely positioned to support your import and export endeavors.  Their expertise in international trade, coupled with services like foreign currency exchange and wire transfers, can help you navigate the complexities of global commerce.  

Beyond their international capabilities, IBC Bank offers a number of business banking products and services. This includes traditional checking and savings accounts with features that can streamline day-to-day operations, along with a variety of business loan options to finance equipment, real estate or inventory purchases.  Additionally, IBC Bank’s treasury management services can help you optimize your cash flow, manage risk and gain better control over your finances.  

With a motto of “We Do More,” IBC Bank takes pride in providing exceptional customer service.  Their team of experienced bankers takes the time to understand your specific goals and challenges, working collaboratively to develop a customized financial plan. This personalized approach ensures you have the resources and support you need to navigate the unique challenges and opportunities that come with international trade.  

Methodology: How We Chose the Best Bank for Small Business in Texas

To determine which banks would be most beneficial to Texas small businesses, we analyzed a variety of factors, including account features, loan options, and credit history credentials. Banks that offer features like no monthly fees and treasury management services scored higher than those that don’t. Likewise, banks that offer more loan options and more flexibility in working with businesses with varying credit histories ranked highest.

Customer service was another key consideration. We looked for banks with a strong reputation for responsive and knowledgeable bankers who can understand the unique challenges faced by small businesses. We also examined each bank’s technology offerings. Banks that offer digital tools like online banking and mobile apps ranked highest since these are essential for efficient money management in today’s fast-paced business environment.

Lastly, we considered the specific needs of Texas small businesses, taking into account factors like international trade expertise (relevant for border cities) and a strong branch network throughout the state. We aimed to identify banks that could provide the most comprehensive and locally focused support for Texan entrepreneurs on the path to achieving their financial goals.

Choose the Best Small Business Bank Account

The Texas small business landscape offers a wealth of opportunity, but navigating the financial arena can be daunting.  By considering factors like transaction fees, loan options and digital tools, you can identify a bank that aligns with your specific goals.  Ultimately, choosing the right banking partner can be a game-changer, providing the financial resources and personalized guidance necessary to propel your Texas small business towards long-term success.