Finding the best free banks in Texas depends on your banking needs. Whether your priority is interest-bearing checking accounts, high-yield savings, a variety of banking products, digital banking or physical branches, there is a bank in Texas that can meet your requirements.
However, if you’re unable to open a checking account due to ChexSystems or Early Warning Services (EWS) records, we also compiled a list of second chance banks in Texas that offer an opportunity to build a new banking history. Keep in mind there will likely be a monthly service fee associated with second chance banking accounts.
10 Best Free Banks in Texas
1. Chime Checking Account

Chime is available to people in all states and can be opened online with no deposit. The Chime free checking account does not use ChexSystems so it can be used as a second chance checking account. Chime’s checking account has many features including the following:
- $0 Minimum opening deposit
- Overdraft protection up to $2001 if you have a qualifying direct deposit
- Receive pay up to two days earlier with Chime direct deposit
- Manage your money with 24/7 mobile banking.
- Access cash with over 60,000 fee-free ATMs2
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC
2. OneUnited Bank
OneUnited Bank’s Online Checking Account is a free checking available to people in ALL STATES. OneUnited Bank is a Black-Owned Bank that offers the Black Wall Street Checking account with no monthly fee. If you’re looking for second chance banking options, OneUnited Bank’s U2 E-Checking Account is available but it has a monthly fee of $12. With OneUnited Bank customers can add cash to the OneUnited Bank Debit Card at over 90,000 locations across the country through a partnership with Green Dot®.
Here are the checking account features:
- $25 minimum opening deposit
- No monthly fee.
- Get paid up to 2 days early with early direct deposit.
- Free Online & Mobile Banking.
- Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.
- Deposit checks through the mobile app.
- Free Bill Pay
3. Consumers Credit Union
Consumers Credit Union is a credit union based in Illinois with membership open to anyone regardless of where they live or work. Financial products and services include checking, savings, CDs, personal, auto and mortgage loans, small business banking, investments and financial education. The monthly free checking account is called Rewards Checking with the following features:
- Unlimited reimbursement for any and all ATM fees**
- Over 30,000 ATMs & over 5,000 shared branches
- Online & mobile banking plus bill pay
- Get paid as much as two days early with early direct deposit**
- No monthly maintenance fees, for anything
4. BMO Harris Bank
BMO Harris Bank is a well-established financial institution with over 500 branches across U.S. and access to over 40,000 ATMs. As the 8th largest bank in North America by assets, BMO Harris Bank has $852 billion in total assets. Financial products and services include checking, savings, CDs, personal, auto and mortgage loans, HELOCs, small business banking, investment and retirement accounts. The monthly free checking account is called Smart Advantage Account with the following features:
- $25 Minimum Opening Deposit
- Unlimited Transactions at 40,000+ fee-free ATMs nationwide
- $0 Monthly maintenance fee
- BMO Digital Banking – pay bills, transfer money and more
5. Bank of Oklahoma
Bank of Oklahoma is a regional bank that was founded in 1910 and is headquartered in Tulsa, Oklahoma. The full-service bank offers a wide range of financial products that include checking, savings, CDs, personal, auto and mortgage loans, HELOCs, wealth management and investment services. The monthly free checking account is called Access Checking with the following features:
- $50 Minimum Opening Deposit
- One complimentary overdraft fee refund per calendar year (upon request)
- $0 Monthly maintenance fee
- Free Online and Mobile Access with Bill Pay
6. First Bank & Trust Texas
First Bank & Trust has a rich history dating back to 1945. First Bank & Trust has grown and expanded its reach with locations throughout Texas. The full-service bank offers a wide range of financial products that include checking, savings, CDs, personal, auto and mortgage loans, small business banking and investment services. The monthly free checking account is called Free Checking with e-Statement with the following features:
- $25 Minimum Opening Deposit
- Unlimited check writing
- $0 Monthly maintenance fee
- Free Online and Mobile Access with Bill Pay
7. First Financial Bank
First Financial Bank is a Texas-based financial institution with a history that dates back to 1870. The bank was originally founded as Farmers and Merchants National Bank in Abilene, Texas, and over the years has become one of the largest independent banks in Texas. The full-service bank offers a wide range of financial products that include checking, savings, CDs, personal, auto and mortgage loans, small business banking and investment services. The monthly free checking account is called Free Checking with e-Statement with the following features:
- $25 Minimum Opening Deposit
- Debit card, online and mobile banking, and online bill pay
- $0 Monthly maintenance fee
- Notary service
8. First National Bank of Omaha
First National Bank of Omaha FNBO has over 100 locations throughout the United States, including Texas, and provides a wide range of financial products and services to individuals, families, and businesses. FNBO is one of the largest banks in the region. The monthly free checking account is called Free Checking with the following features:
- No minimum deposit to open or minimum balance requirement
- No Overdraft fees
- $0 Monthly maintenance fee
- No ATM fees from FNBO (other banks and ATM operators’ surcharges may apply)
9. Independent Financial
Independent Financial started 35 years ago in Farmersville and has grown to over 90 financial centers across Texas and Colorado. The full-service bank offers a wide range of financial products that include checking, savings, CDs, personal, auto and mortgage loans, retirement and investment services. The monthly free checking account is called Free Checking with the following features:
- $25 Minimum Opening Deposit
- Debit card, online and mobile banking, and online bill pay
- $0 Monthly maintenance fee
- Send money to anyone with Zelle
10. Simmons Bank
Simmons Bank is a regional bank that is headquartered in Pine Bluff, Arkansas, with over 200 branches located throughout Arkansas, Colorado, Illinois, Kansas, Missouri, Oklahoma, Tennessee, and Texas. The bank was founded in 1903 as a small community bank in Pine Bluff, and it has since grown to become one of the largest banks in the region. Simmons Bank offers a wide range of banking and financial services, including personal and business banking, lending, wealth management, and investment services. The monthly free checking account is called Simply Checking with the following features:
- $50 Minimum Opening Deposit
- Debit card, online and mobile banking, and online bill pay
- $0 Monthly maintenance fee
- 24-hour telephone banking
Second Chance Banks in Texas
Bank of Texas
Bank of Texas offers an account called “Opportunity Checking” that is designed to let you start over even though you have a ChexSystems record. The minimum opening deposit is $25 and the monthly service fee is $5.00
Kelly Community Federal Credit Union
Anyone with a ChexSystems record of less than $800 unpaid is eligible for the Smart Choice Checking that has an $8.00 monthly fee.
Rio Bank
The Fresh Start Checking requires a $25 minimum opening deposit and has $9.76 monthly fee.
Peoples Bank
The second chance checking account requires a $30 opening deposit.
SouthSide Bank
Re-establish and restore checking history with a second chance checking account called eChecking.
1st Convenience Bank
1st Convenience Bank does not use ChexSystems and offers a basic account called eAccount with a $5 monthly fee.
Fort Sill National Bank
The eAdvanced Checking Account is the most popular and comes with a $9.95 monthly fee.
First State Bank
The checking account is called “Simply Free Checking” and requires a $50 minimum opening deposit.
Second Chance Credit Unions in Texas
There are multiple credit unions in Texas that offer second chance checking accounts. But there’s a big difference in credit unions and banks. Credit unions may have restrictions on membership where potential members must meet certain requirements that vary depending on the credit union’s objective.
Allied Federal Credit Union
Allied Federal Credit Union offers a second chance checking account called “Fresh Start Checking.” It’s designed for members who have been turned away from other financial institutions due to past account discrepancies. There is a $10.00 monthly service charge.
American Airlines Credit Union
American Airlines Credit Union offers a second chance checking account called “Ascend Checking.” If you’ve had troubles with a checking account in the past and are ready to rebuild your history.
Chocolate Bayou Credit Union
Chocolate Bayou CU offers an account called Clean Slate Checking with a $5 monthly service fee, if you’re credit isn’t in the best shape.
First Central Credit Union
First Central CU offers a second chance account called New Beginnings Checking for members who do not qualify for our regular checking account due to prior financial difficulties.
Member Source Credit Union
Member Source Credit Union offers a second chance checking account called Select Checking.
Memorial Credit Union
Memorial CU offers second chance checking called “New Path Checking.”
Neighborhood Credit Union
Fresh Start Checking is available for those who have had closures at other financial institutions but the monthly fee is a little high at $20.
Premier America Credit Union
Premier America Credit Union offers a “Fresh Start” checking account for people with past ChexSystems records. The minimum deposit required to open an account is $25 and the monthly service fee is $13 without direct deposit or $10 with a minimum $200 monthly direct deposit.
Prestige Community Credit Union
Prestige CU offers Fresh Start Checking. $10 monthly fee with direct deposit, $15 monthly fee without direct deposit.
SELECT Federal Credit Union
Select Federal CU offers Fresh Start Checking. Minimum to open is $25.00, account subject to a monthly service charge of $10.00
Texas People Federal Credit Union
The Opportunity Checking account comes with a $7 monthly service fee, $25 one-time opening fee, and requires a $100 minimum deposit.
Unity One Credit Union
The Clean Start Checking account requires a $50 opening deposit and has a $10 monthly with direct deposit, $15 without direct deposit.
Doches Credit Union
The Fresh Start Checking account requires a $50 opening deposit but does not have a monthly service fee.
River City Federal Credit Union
The Fresh Start Checking account requires a $25 minimum opening deposit.
Shell Federal Credit Union
The Boost Checking account only requires a $1 minimum opening deposit.
Texas Bay Area Credit Union
They use Telecheck to verify new accounts.
United Heritage Credit Union
The Choice Checking account requires a $20 minimum opening deposit and has a $10 monthly service fee.
How To Manage A Checking Account
Keep track of your account balance. Make sure you know how much money you have in your account at all times. Keep track of your transactions and deduct them from your balance to avoid overdrawing your account.
Sign up for account alerts. Many banks offer free alerts via text or email that notify you when your account balance falls below a certain amount. This can help you avoid overdraft fees.
Set up automatic bill pay. If you have regular bills that you pay each month, consider setting up automatic payments to ensure that they are paid on time and avoid late fees.
Use mobile banking apps. Many banks offer mobile banking apps that allow you to monitor your account balance, deposit checks, and transfer funds. These apps can help you stay on top of your finances and avoid overdraft fees.
Opt out of overdraft protection. If you don’t want to pay overdraft fees, consider opting out of overdraft protection. This means that your bank will decline transactions that would overdraw your account, rather than allowing them to go through and charging you a fee.
Keep a buffer in your account. Try to keep a cushion of funds in your account to cover unexpected expenses or mistakes. This can help you avoid overdraft fees if you accidentally overspend.
Following these tips should help you steer clear of ChexSystems and Early Warning Services (EWS) while maintaining a safe place to conduct daily expense transactions and grow your money.