10 Best Banks for Small Businesses in Texas in 2025

When evaluating business banking options, I reviewed a wide range of financial institutions to identify the 10 best banks for small businesses in Texas. These picks stand out for offering robust business checking accounts, competitive deposit rates, merchant services, and smart software integrations. Many also maintain branches in major Texas hubs like Houston, Dallas, Austin, and San Antonio, making in-person support easy for local entrepreneurs.

To ensure variety, I included several financial technology (Fintech) companies for business owners who prefer a fully online experience. These platforms deliver intuitive digital tools, low fees, and flexible features perfect for managing money on the go.

While the focus was on banks with a Texas presence, I also considered nationwide institutions and Fintechs that offer reliable, accessible business banking across the U.S., bringing both innovation and convenience to small businesses throughout the Lone Star State.

>> Open a Bluevine Account for Your Small Business in Texas >>

10 Best Banks for Small Businesses in Texas

• Bluevine – Best Bank for Small Businesses in Texas
• Lili – Best for Freelancers & Solopreneurs
• Novo – Best for Integrations & Invoicing
• Grasshopper – Best Bank for Digital Transactions
• nbkc bank – Best for Cash Deposits
• Chase Business Banking – Best for Sign-On Bonus
• Found – Best Bank for Customer Service
• Mercury – Best for Online Banking
• Live Oak – Best Bank for SBA Loans
• Wise Business – Best for International Payments

Best Small Business Banks in Texas (2025)

Bluevine – Best Overall Bank for Small Businesses in Texas

Bluevine stands out as one of the top digital banking solutions for small businesses in Texas, offering high-yield checking, zero monthly fees, and flexible credit access. Whether you’re running a remote startup in Austin or a service-based business in Dallas, Bluevine delivers modern financial tools in a fully online experience.

• Earn up to 3.7% APY on balances up to $3 million with Bluevine Premier
• No monthly fees or minimums with standard business checking
• Create 5 free sub-accounts to streamline cash management
• Unlimited ACH transfers and debit usage without extra charges
• Business lines of credit are available to eligible users

• No physical branches or in-person support
• Cash deposits only via Green Dot or Allpoint+ (fees apply)
• No ATM fee reimbursements or Zelle integration
• Sub-accounts do not earn interest

Features

• High-Yield Checking: 1.5% APY (standard) or up to 3.7% with Premier
• Sub-Accounts: Manage up to 5, each with unique routing numbers
• ACH & Bill Pay: Simplified vendor payment options
• Cash Deposit Access: Available at participating retail locations
• Mobile App: Manage money, pay bills, and view balances on the go
• Integrations: Works with QuickBooks, Xero, and Plaid
• Customer Support: Live phone and chat support during business hours

Mobile App Reviews

Bluevine earns 4.4 stars on the App Store and 4.2 stars on Google Play. Texas users highlight the ease of setup and helpful budgeting tools, with minor complaints around ATM fees and mobile deposit delays.

Is Bluevine Right for You?

• You prefer fee-free, online banking with strong interest on checking
• You want clear budgeting tools like sub-accounts
• You operate entirely online and don’t rely on cash
• You’d like access to fast, flexible credit options

>> Bluevine: Trusted By 750K+ Small Businesses >>

Lili – Best for Freelancers & Solopreneurs in Texas

Lili is tailor-made for Texas freelancers, creatives, and independent workers. It combines banking, tax tools, and expense tracking into a streamlined mobile platform

• No monthly fees or balance requirements on the basic plan
• Automatic expense tracking and tax categorization
• Invoice clients directly from the app
• Early direct deposit (up to 2 days faster)
• 38,000+ MoneyPass ATMs available nationwide
• FDIC-insured

• No branch access
• Cash deposits only at Green Dot (fees apply)
• No multi-user or sub-account support
• A basic plan doesn’t earn interest

Features

• Fee-Free Business Checking
• Smart Tax Tools: Estimates, tagging, and savings
• Mobile Invoicing & Alerts
• Early Pay Options
• Paid Plans (Pro & Smart) Offer Up to 4.15% APY and cash-back rewards

Mobile App Reviews

Lili holds 4.7 stars on the App Store and 4.4 stars on Google Play. Texas users love the ease of use and tax automation, but note the limited external software integrations.

Is Lili Right for You?

• You’re a freelancer or solopreneur in Texas
• You prefer a mobile-only experience
• You want built-in tools for invoicing and taxes
• You don’t deal with cash often or need branch access

>> Start Banking Smarter With Lili >>

Novo – Best for Business Integrations & Online Banking in Texas

Novo is built for modern Texas business owners who rely on software integrations, invoicing, and digital tools.

• No fees or balance minimums
• Open an account quickly online
• ACH transfers, checks, and wires included
• Integrates with QuickBooks, Stripe, Shopify, Zapier, and more
• Refund all ATM fees worldwide
• Create up to 20 budget “pockets” for expense planning

• No in-person banking
• No interest earnings
• No built-in credit or lending options
• Limited check deposit functionality

Features

• Digital Business Checking with unlimited transactions
• Allocate funds into up to 20 budgeting categories
• Invoice & Payments Tools
• Fee Reimbursement Globally
• App Controls for Spending & Transfers
• App Integrations With Leading Business Tools

Mobile App Reviews

Novo averages 4.7 stars on the App Store and 4.6 on Google Play. Texas users appreciate the automation and UI, but some mention slow mobile check deposit processing.

Is Novo Right for You?

• You run a digital-first business in Texas
• You use apps like QuickBooks, Stripe, or Zapier
• You want fast setup, no fees, and strong budgeting tools

>> Simplify Your Business Finances With Novo >>

Grasshopper – Best for Texas Tech Startups & Digital Agencies

Grasshopper Bank offers high-yield checking, smart automations, and full support for modern startups in Texas.

• Up to 2.25% APY on checking balances
• No monthly fees or minimums
• Unlimited digital payments, wires, and transfers
• Issue unlimited physical/virtual debit cards
• Cash-back on debit purchases
• Works with Gusto, QuickBooks, and Plaid
• Invoicing tools included

• No cash deposit or branch access
• No loans or mobile check deposits

Features

• High-Interest Checking
• Cashback Business Debit
• Built-in Invoicing & Bill Pay
• Team Card Controls
• QuickBooks, Plaid, Gusto Integrations

Mobile App Reviews

Grasshopper scores 4.6 stars on the App Store and 4.5 on Google Play. Texas users enjoy its tech-friendly features, but note the lack of check deposit support.

Is Grasshopper Right for You?

• You operate a tech-focused or remote business
• You want interest plus cash-back perks
• You don’t use cash or visit branches
• You value a clean dashboard and automation

>> Start Banking Smarter With Grasshopper >>

nbkc bank – Best for Low-Fee Banking With Hybrid Access in Texas

nbkc bank (National Bank of Kansas City) blends digital convenience with the reliability of a traditional financial institution. Though it lacks branches in Texas, it’s a strong contender for Texas-based small businesses that want no-fee banking, nationwide ATM access, and dependable customer service without the fluff.

• Zero monthly maintenance fees and no minimum balance required
• Free incoming wires, ACH transfers, and bill pay
• Access to 37,000+ fee-free ATMs nationwide via MoneyPass
• Supports cash deposits through ATM partners
• Integrates with QuickBooks and Autobooks
• Responsive customer support via chat, phone, and email
• Offers savings accounts and CDs besides checking

• Only one physical branch (Kansas City, MO)
• No interest on checking accounts
• No retail deposit locations for cash; ATM only
• Lacks some digital features that newer Fintechs provide

Features

• Business Checking: Transparent, no-fee structure
• Business Savings/CDs: Competitive deposit options for longer-term funds
• ATM Access: Use MoneyPass ATMs across Texas
• Accounting Tools: Invoicing via Autobooks integrates with QuickBooks
• Digital Banking: Simple online dashboard and mobile app
• Support: US-based help is available via multiple channels

Mobile App Reviews

nbkc bank earns 4.6 stars on the App Store and 4.5 on Google Play. Texas users praise its no-fee setup and solid customer service, but some note it’s not as feature-rich as Fintech rivals.

Is nbkc Right for You?

• You want low-fee, hassle-free business banking
• You operate mostly online but value good support
• You use invoicing tools and need ATM access in Texas
• You don’t need a local branch or interest in checking

>> Start Banking Smarter With nbkc bank >>

Chase Business Banking – Best for Texas Businesses Needing Branch Access

With a broad branch and ATM presence in cities like Houston, Dallas, Austin, and San Antonio, Chase Business Banking is a go-to option for Texas business owners who want in-person support along with a full suite of services, including lending, merchant tools, and mobile banking.

• 4,700+ branches and 15,000+ ATMs nationwide, strong presence in Texas
• Tiered business checking accounts to match business size
• Accept payments easily with Chase QuickAccept^®
• Zelle^® for Business for fast client/vendor transfers
• Comprehensive business lending options
• Syncs with QuickBooks, Xero, and other accounting tools
• Robust fraud detection and security

• Monthly fees ($15–$95) unless waived with balance/activity
• No interest on standard business checking
• Free transaction limits on lower-tier plans
• A mobile app may be complex for new users

Features

• Business Checking Options: Complete, Performance, and Platinum tiers
• Merchant Services: Same-day card payment deposits via QuickAccept^®
• Lending: Access to SBA loans, credit lines, and more
• Mobile Banking: Full functionality for bill pay, deposits, and transfers
• Integrations: Works with major accounting tools
• Customer Support: 24/7 access, plus in-branch assistance

Mobile App Reviews

Chase scores 4.8 on the App Store and 4.4 on Google Play. Texas users value its reliability and in-app capabilities, though the learning curve exists for business-specific features.

Is Chase Right for You?

• You need local branch or ATM access throughout Texas
• You frequently handle cash or accept card payments
• You want a full-service bank with credit and lending options
• You can meet balance/activity thresholds to avoid fees

>> Start Banking Smarter With Chase Business >>

Found – Best for Freelancers & Sole Proprietors in Texas

Found is a mobile-first business banking solution designed for freelancers, gig workers, and sole proprietors in Texas. With tools like automatic expense tracking, tax-saving features, and invoicing all built into a single app, it simplifies financial management for self-employed Texans who want everything in one place.

• No monthly fees, overdraft charges, or minimum balance requirements
• Auto-categorizes expenses for easy tax filing
• Built-in tax estimates and auto-savings suggestions
• Create and send invoices directly from the app
• Get paid up to 2 days early with direct deposit
• Free access to 40,000+ Allpoint ATMs nationwide
• Accept ACH, debit/credit card, or check payments
• FDIC-insured through Piermont Bank

• Not available for multi-owner LLCs or incorporated businesses
• No sub-accounts or shared user permissions
• Limited accounting software integrations
• No interest earned on balances
• Doesn’t support cash deposits

Key Features

• Mobile-Only Banking – Manage business finances from your phone
• Tax Tools – Estimate taxes, tag expenses, and automate savings
• Invoicing – Send and manage professional invoices
• Card & Receipt Management – Freeze cards, track spending, and upload receipts
• Financial Reports – Access downloadable P&L and tax documents

Mobile App Reviews

Found earns high marks with 4.8 stars on the App Store and 4.6 stars on Google Play. Texas users appreciate its simplicity and built-in tools, though many still want cash deposit support.

Is Found Right for You?

• You’re a freelancer or independent contractor in Texas
• You want fee-free mobile banking with tax and invoicing tools
• You don’t rely on physical branches or cash deposits
• You prefer all-in-one financial management in an easy app

>> Manage Your Business Easily With Found >>

Mercury – Best for Startups & Tech-Focused Businesses in Texas

Mercury is a digital banking platform built for startups, SaaS companies, and fast-growing online businesses in Texas. With zero fees, sub-accounts, and high-yield Treasury options, it’s an ideal choice for founders looking to scale quickly with financial control and automation.

• No fees, overdrafts, or balance minimums
• Offers both checking and savings with no monthly charges
• Earn up to 5.45% APY via Mercury Treasury
• Create sub-accounts to separate funds
• Physical and virtual cards with spending controls
• Team permissions for founders, staff, and accountants
• Integrates with tools like QuickBooks, Xero, Zapier, and more
• Access to exclusive startup perks and Mercury Raise
• FDIC-insured via partner banks

• No support for depositing cash
• The Treasury is required to earn interest
• Not built for check-based or in-person businesses
• International transfers may include fees

Key Features

• Digital-Only Accounts – Sleek online interface and app
• Mercury Treasury – Automatically earn high yields on idle funds
• Sub-Accounts & Automation – Organize money and streamline operations
• API Access – Build custom workflows
• Global Transfers – Pay international vendors or receive funds globally
• Integrations – Seamless sync with popular accounting software

Mobile App Reviews

Mercury is rated 4.4 on the App Store and 4.2 on Google Play. Texas users enjoy the clean UI and quick onboarding, although some note the mobile app lacks a few desktop features.

Is Mercury Right for You?

• You run a tech-forward business in Texas
• You want a modern banking experience with automation
• You don’t handle cash or require in-person banking
• You want to grow funds through Mercury Treasury

>> Start Banking Smarter With Mercury >>

Live Oak Bank – Best for High-Yield Savings & SBA Loans in Texas

Live Oak Bank is a digital-only bank known for its high-yield business savings and leadership in SBA lending. It’s a powerful option for Texas businesses focused on saving or seeking long-term funding, though it’s not meant for day-to-day business banking.

• Earn up to 4.00% APY on savings balances
• No monthly maintenance fees or minimums
• National leader in SBA and USDA loans
• Fully digital loan and account application process
• Competitive CD rates
• Expert lending guidance across industries
• FDIC-insured

• No checking account or debit card access
• No cash or check deposit support
• Lacks physical branches and accounting integrations

Key Features

• High-Yield Savings – Strong APY with no hidden fees
• Business CDs – Fixed interest savings for longer-term needs
• SBA Lending – Ideal for expansion, refinancing, or large purchases
• Digital Account Access – Fully remote application and management
• Specialized Loan Advisors – Industry-tailored SBA expertise

Mobile App Reviews

Live Oak’s app averages 4.7 stars on the App Store and 4.5 on Google Play. Texas users value the simple design and SBA loan access, though many use it alongside another bank for daily use.

Is Live Oak Right for You?

• You want to grow your savings at a great rate
• You’re applying for an SBA loan
• You already use another provider for business checking
• You prefer a digital-only platform for long-term financial needs

>> Start Banking Smarter With Live Oak Bank >>

Wise Business – Best for International Payments & Global Reach in Texas

Wise Business (formerly TransferWise) is a powerful platform built for Texas-based businesses engaged in international operations. Whether you’re a Houston freelancer, a Dallas-based e-commerce seller, or a San Antonio team working with overseas partners, Wise offers a seamless way to manage global transactions with real exchange rates and minimal fees.

• Hold and convert 40+ currencies at the mid-market exchange rate
• Receive local bank account details for the U.S., UK, EU, Australia, and more
• Send international transfers up to 6–8x cheaper than traditional banks
• No monthly fees, overdraft charges, or account minimums
• Supports global invoicing and multi-currency payments
• Integrates with accounting tools like QuickBooks and Xero
• A debit card is available for international business expenses

• Not a U.S.-chartered bank, no FDIC insurance
• No check or cash deposit support
• Does not offer loans or interest-bearing accounts
• Lacks mobile check deposit functionality
• Customer support is mostly via email

Features

• Multi-Currency Account – Manage funds across 40+ currencies in one platform
• Local Account Details – Accept payments as if you had local accounts globally
• Borderless Debit Card – Spend internationally at the real FX rate
• Transparent Fees – See live exchange rates and transfer costs upfront
• Invoicing Tools – Create and send bills in multiple currencies
• Accounting Integration – Works with QuickBooks, Xero, and other tools

Mobile Banking App Reviews

Wise’s mobile app holds 4.7 stars on the App Store and 4.6 stars on Google Play. Texas users highlight the speed and affordability of global transfers, but some note that customer support can be slow to respond.

Is Wise Business Right for You?

• You frequently send or receive international payments
• You serve overseas clients, contractors, or vendors
• You don’t need to check deposits or in-person banking
• You’re a Texas-based consultant, freelancer, or global entrepreneur

Wise Business is a top choice for international money management. While it’s not a traditional bank, it delivers a unique advantage for Texas businesses that operate across borders.

>> Start Banking Smarter With Wise >>

Methodology: How I Chose the Best Banks for Small Businesses in Texas

To create this list of the best small business banks in Texas, I focused on the financial needs and preferences of entrepreneurs, freelancers, and business owners across the Lone Star State, from Houston and Dallas to Austin, San Antonio, El Paso, and beyond.

• Flexible Business Lending: Access to funding is critical for Texas businesses of all sizes. I prioritized banks that offer SBA loans, working capital, and lines of credit, with quick approvals and transparent terms, especially useful for growing businesses and seasonal industries like tourism, agriculture, and oil services.
• Low or No Monthly Fees: Banks with $0 monthly fees or easy ways to waive charges ranked highest. I focused on institutions that offer affordable ACH, wire transfers, and debit usage, without buried costs.
• Cash Deposit Options: Texas has a high number of cash-heavy industries, from retail shops in Austin to restaurants in Houston. I included banks that support cash deposits via branches, ATMs, or networks like Green Dot and Allpoint+, with minimal fees.
• Mobile and Online Experience: Whether you’re running a food truck in Dallas or a remote tech startup in El Paso, digital access is essential. I chose banks with highly rated mobile apps, clean dashboards, and smooth functionality for tasks like check deposits, bill pay, and money transfers.
• Fast, Simple Setup: I gave preference to banks that offer fully online applications and fast approval processes. No one wants to deal with piles of paperwork when starting a business bank account.
• Low Opening Deposit Requirements: Many Texas startups and freelancers are bootstrapping, so I highlighted banks that don’t require high minimum deposits or balances.
• Real-World Feedback: I reviewed user feedback from Google Play, the App Store, and platforms like Trustpilot. App performance, customer service, and ease of use all factored in.
• Interest-Earning Accounts: Some banks, especially Fintechs like Bluevine or Grasshopper, offer APYs up to 3.7% or more.
• Software Integrations: I looked for banks that connect easily with QuickBooks, Stripe, Xero, Shopify, and other platforms that Texas businesses use daily.
• Local Access or Strong Support: Many businesses in Texas still value the option of in-branch service. I considered whether banks have locations across the state or provide responsive support via phone or chat.

>> Earn Up to 3.7% APY on Business Checking >>

>> Bluevine: Simplify Your Small Business Banking >>

Bottom Line: Best Banks for Small Businesses in Texas

The right bank for your Texas business comes down to how you operate, whether you rely on frequent cash transactions, prefer a fully digital setup, or fall somewhere in between. This list was built with Texas entrepreneurs in mind, highlighting essentials like low fees, strong mobile tools, flexible lending, and seamless integration with the platforms you already use.

From Chase’s extensive statewide presence to modern, online-first options like Novo, Mercury, and Bluevine, there’s a fit for every business owner. Whether you’re a solo freelancer in Houston or running a growing team in San Antonio, these banks can simplify your finances and fuel long-term growth. Pick the one that best matches your workflow and vision.

>> Open Your Bluevine Business Account Today! >>

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Jonathan Gordon

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About the Author:

Jonathan is a seasoned content writer with deep expertise in career development, job search strategies, and professional growth. With a keen ability to craft insightful and engaging content, he has helped countless professionals navigate their careers with confidence. His work focuses on resume optimization, interview preparation, and industry trends, making him a trusted voice in career coaching and development.