Highest Rewards Checking Account Rates for Texas, TX






  • Free, high-interest checking account
    6.00% APY on balances up to $20,000
    6.00% - 1.42% APY on balances over $20,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Nationwide ATM fee refunds
    Can link to high-interest Kasasa Saver account
    No minimum balance to earn rewards
    No monthly service fee
    Free online banking with bill pay
    Free paperless e-Statements
    Free debit card
    Unlimited check writing
    Direct deposit available
    Check images with statements
    Unlimited TeleBanking
    $100 minimum deposit to open

    6.00%

    Bank with nearby branch - View
    $20,000 Rewards Balance
  • Unlimited check writing and Visa® check card use
    Earn 5.12% APY on qualifying balances of up to and including $25,000
    Earn 0.50% APY on balances over $25,000
    Earn 0.50% APY on entire balance when qualifications are not met
    Nationwide ATM fee refunds (up to $15 per statement period)
    No monthly service fee
    No minimum balance to earn rewards
    Free box of limited style checks at open
    Free online banking with bill pay
    Free mobile banking
    Free eStatements with check images
    Free Visa® check card
    Free telephone banking
    Free transactions at all Texas Bank ATMs
    Consumer accounts only
    Unlimited check writing and check card use

    5.12%

    Bank with nearby branch - View
    $25,000 Rewards Balance
  • Account will pay interest on balances of $500 or greater if qualifications are met
    Up to $8/month refund for domestic ATM withdrawal fees assessed by BTH Bank
    To qualify for ATM refunds and interest, customer must be enrolled in eStatements and have 10 debit card transactions post and settle during the month
    No minimum balance requirement
    $50 minimum to open
    Bank can change rate at its discretion
    Free digital banking services, including:
    Free online banking & bill pay
    Free mobile banking
    Free eStatements
    Free Visa® debit card
    Unlimited check writing

    4.50%

    Bank with nearby branch - View
    $40,000 Rewards Balance
  • NO MONTHLY FEES
    Earn 4.00% APR interest on up to $50,000 account balance
    Nationwide ATM fee refunds
    FREE Debit card, Online banking and Bill pay
    Overdraft protection (Courtesy Pay) up to $1,000
    One-time opening balance of $500
    No minimum balance to earn rewards

    4.00%

    Credit Union with nearby branch - View
    $50,000 Rewards Balance
  • No regular monthly service charge
    3.56% Annual Percentage Yield (APY) paid on balances between $.01 and $10,000 and .50% APR, .50% APY paid on the portion of account balances over $10,000 for each monthly qualification statement cycle if the qualifications are met.
    If you do not meet the qualifications during a monthly qualification statement cycle, your account will still function as a free checking account earning 0.10% APY and you will not receive ATM refunds for that time period.
    Rates subject to change after account is opened. A minimum balance of $50 is required to open this account. Available for personal accounts only. No regular monthly service charge. Annual fee may apply to Debit Card. Other restrictions may apply.

    3.56%

    Credit Union with nearby branch - View
    $10,000 Rewards Balance
  • Free checking that pays high interest
    3.56% APY on balances up to and including $15,000.99
    1.12% to 3.56% Blended APY on balances over $15,000.99 depending on balance in account
    0.05% APY if monthly qualifications aren't met
    Nationwide ATM fees automatically refunded
    No minimum balance to earn rewards
    No monthly maintenance fees
    Free online banking with bill pay
    Free e-statements
    Free mobile banking
    Free Visa® check card
    Unlimited check writing
    $750 Overdraft Bounce Protection
    $50 minimum to open
    Receive a thank you gift just for opening the account
    FDIC insured

    3.56%

    Bank with nearby branch - View
    $15,000 Rewards Balance
  • 3.51% APY on balances up to $10,000
    3.51% to 0.25% APY on balances over $10,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)
    No minimum balance to earn rewards
    No monthly service fee
    FREE Online Banking and Online Bill Pay
    FREE Mobile Banking
    FREE E-Statements
    FREE E-Alerts
    FREE MasterCard® Debit Card
    FREE Telephone Banking (Access 24)
    Kasasa Protect™ available at a discounted rate.
    No minimum deposit to open

    3.51%

    Credit Union with nearby branch - View
    $10,000 Rewards Balance
  • 3.50% APY on balances up to $25,000

    0.50% APY on balances over $25,000 depending on balance in account

    0.05% APY if monthly qualifications aren’t met

    Nationwide ATM fee refunds

    No minimum balance to earn rewards

    No monthly service charge

    Unlimited check writing

    Link to Kasasa Saver for automatic savings

    FREE online banking & bill pay

    FREE eStatements & eNotices

    FREE MasterCard ATM/debit card

    24-hour ATM access

    24-hour telephone audio response

    3.50%

    Credit Union with nearby branch - View
    $25,000 Rewards Balance
  • A great rate (interest compounded daily)
    Free cash-back Purchase Rewards
    Free unlimited check writing
    Free initial checks (50-pack) if ordered at account opening
    Free Mobile Deposit - Deposit checks instantly 24/7 wherever you and your phone go.
    Free MyDeposit - deposit checks instantly from the comfort of your home or office
    Free FinanceWorks™: track all your financial accounts, even those at other institutions, all from your Bank of Internet USA Online Banking.
    Free Online Banking with free Bill Pay, mobile banking, email and text messaging alerts
    Free online images of checks and statements
    Free online transfers
    Free Visa® Debit card
    ATM fees reimbursed up to $8 per month (excludes international ATM transactions)
    $500 minimum opening deposit required
    No monthly maintenance fee with minimum $5,000 average daily balance, otherwise $7.50 per month
    Available overdraft protection
    FDIC insured - certificate number 35546

    3.30%


    $50,000 Rewards Balance
  • No monthly maintenance fees and no minimum monthly balance. Really!
    Free Cash-Back Purchase Rewards
    Unlimited ATM reimbursements - if you aren't near an ATM, you can get cash back when you shop at most grocery stores, gas stations and super stores and pay no fees.
    Free Mobile Deposit - Deposit checks instantly 24/7 wherever you and your phone go.
    Free MyDeposit - Deposit checks instantly from the comfort of your home or office
    Free initial checks (50-pack) if ordered at account opening
    Free Visa® Debit card
    Free online banking with free Bill Pay, mobile banking, email and text messaging alerts
    Free Person to Person Transfers Popmoney
    Free online images of checks and statements
    Free FinanceWorks™ powered by Quicken, an easy budgeting tool available to Rewards Checking customers
    Free postage-paid envelopes
    Free online transfers
    Overdraft protection available
    FDIC insured - certificate number 35546

    3.30%

    Bank with nearby branch - View
    $15,000 Rewards Balance
  • 3.00% APY Rate Boost and up to a $300 Cash Bonus on a new Bask Interest Checking Account through the Reward Periods when qualifying activities are met.
    No monthly account fees or minimum balance requirement.
    Premium metal Visa debit card with access to more than 55,000 surcharge-free ATMs nationwide.
    With features like Zelle®, Direct Deposit and Bill Center.

    3.00%


    $0 Rewards Balance
  • Free checking that pays high dividends
    3.00% APY on balances up to $20,000
    3.00% to 0.60% APY on balances over $20,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
    Link to free Kasasa Saver® to build savings automatically
    No minimum balance to earn rewards
    No monthly maintenance fees
    Free digital banking
    $25 minimum deposit to open (waived until 1-1-2019)

    3.00%

    Credit Union with nearby branch - View
    $20,000 Rewards Balance
  • No minimum balance to open
    No monthly fees
    No minimum balance
    ATM fee refunds per cycle when qualifications are met
    Get 0.10% APY on your free checking balance
    Liberty Checking is for personal checking accounts only and limited to one account per household.

    3.00%

    Credit Union with nearby branch - View
    $250,000 Rewards Balance
  • No minimum balance is required to open this account.
    No monthly service charge.
    Free nationwide ATM access and refund the fees from other ATMs, up to $25.

    2.25%

    Credit Union with nearby branch - View
    $20,000 Rewards Balance
  • Earn these monthly incentives:
    Earn our highest yielding checking interest rate on balances up to $25000.00
    Free account includes no monthly service charge
    Automatic refunds up to $25 per month
    (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)

    2.02%

    Bank with nearby branch - View
    $100,000 Rewards Balance
  • Free checking that pays high dividends
    2.01% APY on balances up to $15,000
    2.01% to 0.50% APY on balances over $15,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
    Link to free Kasasa Saver® to build savings automatically
    Add Kasasa Protect® for comprehensive fraud protection*
    No minimum balance to earn rewards
    No monthly maintenance fees
    Free digital banking services, including:
    Free online banking & bill pay
    Free mobile banking with mobile deposit
    Free eStatements (required to open and maintain the account)
    Free Visa® debit card
    $25 minimum deposit to open

    2.01%

    Credit Union with nearby branch - View
    $15,000 Rewards Balance
  • Earn up to 2.01% APY

    $25 opening deposit

    No minimum balance

    No monthly service fees

    2.01%

    Bank with nearby branch - View
    $25,000 Rewards Balance
  • 2.00% APY on balances up to $100,000
    2.00% to 0.25% APY on balances over $100,000 depending on balance in account
    0.05% APY if qualifications are not met
    ATM Fee Refunds! Up to $24 per month on ANY ATM, nationwide
    Link to free Platinum Savings to build savings automatically
    No minimum balance to earn rewards
    No monthly maintenance fees
    Free digital banking, including:
    Free Online Banking with Bill Pay
    Free Mobile Banking
    Free e-Statements - please note that this is a condition of having this account
    Free Visa® Debit Card
    $50 minimum deposit to open
    Direct deposit available
    OOPS!™ Overdraft Privilege available
    FDIC insured (up to current limits)

    2.00%

    Bank with nearby branch - View
    $100,000 Rewards Balance
  • 2.00% APY on balances up to $10,000
    2.00% to 0.64% on balances over $10,000 depending on balance in account
    0.05% APY if monthly qualifications are not met
    Nationwide ATM fee refunds (up to $45 per month)
    No minimum balance to earn rewards
    No monthly service fee
    Unlimited check writing
    Free check card
    Free online banking with bill pay
    Free direct deposit
    Free telephone banking
    Free mobile banking
    Free eStatements

    2.00%

    Bank with nearby branch - View
    $10,000 Rewards Balance
  • $100.00 - $25,000.00 earn 1.95% APY
    No Transaction Fee
    Unlimited Transaction Limits
    Type of Statement - Estatement with images
    $10.00 NSF fee
    $750 per day limit for debit/credit transactions
    One account per social security number

    1.95%

    Bank with nearby branch - View
    $25,000 Rewards Balance
  • Automatic refund of foreign ATM fees
    Identity Fraud Protection
    Discounts at over 240,000 merchant locations

    1.50%

    Credit Union with nearby branch - View
    $5,000 Rewards Balance
  • Free MasterCard Debit Card
    No Monthly Service Charge
    Free Overdraft Protection Available
    Free Temporary Checks
    Free 24 Hour Bill Pay
    Free Home Banking
    Free Call 24
    Free eStatements
    No Minimum Balance Requirement
    Free ATM Access on CU Friendly, Allpoint ATM Networks and ATMs located at Shell FCU branches

    1.00%

    Credit Union with nearby branch - View
    $20,000 Rewards Balance
  • 0.85% Annual Percentage Yield (APY) paid on daily balances between one penny and $24,999.99 each monthly qualification cycle the three minimum requirements are met. Daily balances between $25,000.00 and $50,000.00 will earn an APY ranging from 0.85% to 0.70% depending on the daily balance in the account. (The APY of 0.70% corresponds to an assumed daily balance of $50,000.00; the APY of 0.85% corresponds to an assumed daily balance of $25,000.00) If you do not meet the three requirements per cycle as stated above, your account will still function as a free checking account earning 0.45% APY; however, it will not receive ATM fee refunds for that time period. If all account requirements are met during the qualification cycle, ATM fees of $4.99 or less will be automatically reimbursed up to a maximum of $4.99 per individual transaction, while those of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. In no circumstance, however, will the maximum reimbursement exceed $35.00 per qualification cycle. APYs accurate as of 12/8/2025.

    0.85%

    Bank with nearby branch - View
    $25,000 Rewards Balance
  • River City FCU's Superior Checking offers members significant rewards:
    0.35% APY paid on entire balance if monthly requirements are met
    Online Bill Pay
    Mobile Banking and Mobile Deposit
    Love My Credit Union Rewards

    0.35%

    Credit Union with nearby branch - View
    $2,500 Rewards Balance
  • No Minimum balance to earn interest
    Debit card fee
    ATM reimbursements Unlimited
    Online & mobile banking Free
    Make deposits from home Free
    $50 satisfaction guarantee
    Additional online security
    Monthly Fee: None
    Visa Check Card: Free
    Unlimited check writing: Free
    Online Bill Pay: Optional
    EverBank ATM fees: None
    ATM fee reimbursement: $6/month
    Overdraft Protection: Yes
    EverBank will automatically reimburse non-EverBank charges on U.S. ATM transactions during any month that you maintain a minimum average daily balance of at least $5,000.

    0.25%

    Bank with nearby branch - View
    $25,000 Rewards Balance
  • Premium dividend rate
    FREE Personalized Checks
    NO Minimum balance
    NO Monthly service charge
    FREE Rewards
    FREE Mobile app for banking on the go
    FREE Fraud control and budgeting tools
    FREE Online eStatements
    Debit Card is Digital Wallet capable
    No per check charge
    Overdraft protection available
    Deposit checks through the Mobile App
    Access to 55,000 surcharge-free ATMs
    FREE Online bill pay
    Up to $500,000 insurance on your account

    0.11%

    Credit Union with nearby branch - View
    $200,000 Rewards Balance