Search / Checking accounts by state / Texas Low-cost checking accounts in Texas There are 62 Bank On certified checking accounts available to residents of Texas. Of those, 37 carry a $0 monthly maintenance fee and 54 charge no overdraft fees at all. 29 come from local or regional institutions rooted in Texas, while 33 are offered by national banks serving customers across the country.
Certified accounts 62
$0 monthly fee 37
No overdraft fees 54
Local institutions 29 Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. First Horizon Bank
Access Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Trustmark Advantage
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Woodforest National Bank
WBank Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Farmers Insurance Federal Credit Union
Zero-Fee Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First-Citizens Bank and Trust
Sure Advantage Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First National Bank Texas
eAccount Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. First National Bank Texas
Flex Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank OZK
Freedom Advantage Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Simmons Bank Affordable Advantage
Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Hanmi Bank
Choice Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First National Bank of Omaha
Access Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified First National Bank of Omaha
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ BankUnited National Association
BankUnited Essentials Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Credit Human
Sensible Spend Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ Amplify Credit Union
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Falcon International Bank
EZ Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Moody National Bank Moody
MyFreedom Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. PlainsCapital Bank
Basic Access Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. River City Federal Credit Union
Fresh Start Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. The First State Bank
On Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
United Texas Bank Texas
Express Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Vantage Bank
Vision to Victory Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Veritex Community Bank
VeriSmart Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Premier America Credit Union
Smart Spending Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 30,000+ Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Centennial Bank
Simply 100 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ Capitol Credit Union
Freedom Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs 15+ Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $100
Overdraft fees None
Free ATMs 20+ Cathay Bank
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs PULSE Select® / Money Pass® Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Extraco Banks
BankOn Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs 50,000+ First Financial Bank
First Access Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.99
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees Yes
Free ATMs 60,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 65,000+ Vista Bank
Aspire Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Regions Bank
Regions Now Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $10
Overdraft fees None
Free ATMs 2+ Armed Forces Bank
Safe Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Amegy Bank
OnBudget Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Amegy Bank’s network of ATMs Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Cadence Bank
BudgetSmart Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of Texas
Opportunity Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 32,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ First Mid Bank & Trust Blue Sky
Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs First Mid ATMs Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $100
Overdraft fees None
Free ATMs 55,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.99
To open $100
Overdraft fees Yes
Free ATMs 25+ Rio Bank
Fresh Start Checking Online bill pay Mobile check deposit Debit card
Monthly fee $7.76
To open $25
Overdraft fees Yes
Free ATMs 55,000+ Simmons Bank Simmons
Smart Checking Online bill pay Mobile check deposit Debit card
Monthly fee $10.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Sunflower Bank Achievement
Checking Online bill pay Mobile check deposit Debit card
Monthly fee $13.00
To open $100
Overdraft fees Yes
Free ATMs MoneyPass® Investar Bank
Brilliant Checking Online bill pay Mobile check deposit Debit card
Monthly fee $13.00
To open $100
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. UMB Bank
Check-Free Banking Online bill pay Mobile check deposit Debit card
Monthly fee $20.00
To open $1000
Overdraft fees Yes
Free ATMs UMB Next steps for Texas residents