The 22 Best Banks in Houston with Free Checking

When it comes to personal banking in the Lone Star State, Houston gives you numerous great choices. Houston banks with free checking offer a range of advantages that can help you manage and maximize your finances.
Don't pay for service that should be standard. Get to know the different banks that offer free checking accounts in Houston and choose the best one for your financial needs.
- Fee-free uses of ATMs
- Low or no monthly fees
- Accessible mobile banking
- High-yield Checking accounts
- Great customer support
Explore our comprehensive guide, "The 22 Best Banks in Houston with Free Checking", to narrow down your choices and find the best bank to entrust your hard-earned money to.
- 1. Bank of Texas
- 2. Texas First Bank
- 3. Trustmark
- 4. Texas First Bank
- 5. Texas Citizens Bank
- 6. Bank of Texas
- 7. Bank of Texas
- 8. Bank of Texas
- 9. Bank of Texas
- 10. TDECU Houston Heights
- 11. Texas Capital - Houston (Westway II)
- 12. Unity National Bank - Blodgett
- 13. Central Bank
- 14. Guaranty Bank & Trust
- 15. Central Bank
- 16. Capital Bank
- 17. State Bank of Texas
- 18. Central Bank
- 19. Texas Gulf Bank
- 20. Bank of America (with Drive-thru ATM)
- 21. PNC Bank
- 22. US E Credit Union

1. Bank of Texas
Información y Opiniones
- Customers appreciate the family-like atmosphere and personalized service.
- Many clients recommend the bank for its excellent attention and efficiency.
- The staff's friendliness and helpfulness are highlighted by satisfied customers.
- Fast and reliable service is a common theme in reviews from long-time clients.
If you are looking for a reliable bank with a stellar reputation, Bank of Texas is a great choice for all your banking needs.

2. Texas First Bank
Información y Opiniones
- Superior customer service with friendly and professional staff.
- Outstanding customer service from a knowledgeable and courteous team.
- Excellent and professional staff providing innovative solutions.
- Highly recommended for excellent service and professionalism.
Experience the convenience and care of Texas First Bank for all your banking needs.

3. Trustmark
Información y Opiniones
- Customers praise the outstanding customer service provided by Trustmark, with specific mention of associate Ms. Racquel Miranda's exceptional assistance.
- Highly recommended for their professionalism and ability to keep customers calm and satisfied.
- Great experience overall, highlighting the importance of remarkable staff in providing great customer service.
Whether you need assistance with banking services or financial advice, Trustmark is committed to helping you with a smile. Visit their website for more information or give them a call to experience their top-notch service.

4. Texas First Bank
Información y Opiniones
Customers have praised Texas First Bank for their exceptional service and personalized approach. Some key points from customer reviews include:
- The manager, Gerri, provides amazing and personable service, making sure everything is right.
- Torrin and Tram offer top-notch assistance with online banking and transactions, guiding customers from start to finish.
- Customers appreciate the local and excellent service provided by the bank.
- Torrin and Tram are highlighted for making all transactions a priority.
With a solid ranking of 4.5 stars and positive customer feedback, Texas First Bank is a top choice for all your financial needs.

5. Texas Citizens Bank
Información y Opiniones
- Excellent service and very friendly staff
- All the employees are professional and treat you like family
- Customers mention that the atmosphere has a true Texas feel
- One customer noted that the bank has good offerings like well, milk, and cookies
If you are looking for a bank that values customer service and professionalism, Texas Citizens Bank is the place to go. Contact them today at +1 713-218-7564 or visit their website for more information.

6. Bank of Texas
Información y Opiniones
Customer reviews highlight the exceptional service provided by the staff. Here are some key points from the reviews:
- One customer shared a negative experience with a particular staff member but praised the overall service.
- Another customer commended the excellent customer service and guidance provided.
- A customer mentioned the friendly and supportive nature of a specific staff member who made their banking experience comfortable and well-informed.
- Another customer appreciated the helpful and customer-oriented approach of a staff member named Alex.
These reviews showcase the commitment of Bank of Texas to providing top-notch service to all customers, making it a trusted choice for banking needs.

7. Bank of Texas
Información y Opiniones
- Excellent service and professionalism from Edgar Carillo.
- Convenient walk-up ATM in front of the bank for easy access.
- Good customer service and detailed explanations from Felicia and Chris.
Customers appreciate the personalized attention and convenient features provided by Bank of Texas. If you are in need of reliable banking services in the area, this bank may be the perfect choice for you.

8. Bank of Texas
Información y Opiniones
- Knowledgeable and experienced staff, able to provide solutions to problems.
- Efficient and easy account opening process with friendly and helpful employees.
- Great bill pay feature, free notary service, and prompt foreign currency services.
- Long-term customers appreciate the friendly and efficient service they have received over the years.
Located at 500 Chimney Rock Rd, Houston, TX, Bank of Texas offers various services such as drive-through options and is wheelchair-accessible for customer convenience. Customers highlight the clean and comfortable facility, prompt service, and welcoming environment provided by the staff. If you are looking for a reliable and customer-focused banking experience, Bank of Texas is an excellent choice.

9. Bank of Texas
Información y Opiniones
Customer reviews highlight the exceptional service provided by the bank. Here are some key points from customer reviews:
- The staff is always friendly, providing prompt service consistently.
- Professionalism, efficiency, and courtesy are key traits displayed during business transactions with the bank.
- Customers appreciate the welcoming atmosphere, with staff going above and beyond to ensure a positive experience.
- Despite occasional negative experiences, many customers recognize Bank of Texas as a highly recommended financial institution.
Visit Bank of Texas today for all your banking needs and experience top-notch service in a customer-friendly environment.

10. TDECU Houston Heights
Información y Opiniones
- Customers have highlighted the friendly staff at TDECU Houston Heights.
- Some reviews have mentioned longer wait times due to understaffing.
- One review praised the excellent customer service received and the prompt resolution of issues.
Overall, customers have appreciated the welcoming atmosphere and personalized service provided at TDECU Houston Heights.

11. Texas Capital - Houston (Westway II)
Información y Opiniones
- Customer praised the banker Kemberly for being thorough, patient, and helpful.
- Another customer appreciated Kimberly for spending over an hour fixing an issue.
- A customer mentioned the difficulty in finding the bank but appreciated the service.
- One customer described the bank as excellent with great staff and service.
The staff at Texas Capital - Houston (Westway II) is known for being professional, polite, and fast in assisting their customers. If you're looking for a reliable bank with excellent service, be sure to check out Texas Capital - Houston (Westway II)!

12. Unity National Bank - Blodgett
Información y Opiniones
- Customers appreciate the exceptional customer service at this branch, with staff that provide a family-friendly environment.
- Some customers have expressed frustration with outdated services and poor customer service, including difficulties with online banking and long wait times for assistance.
- Others have highlighted the bank's helpfulness during difficult times, noting quick issue resolution and assistance with account management.
- One customer praised the shared experience and banking options available, emphasizing a positive partnership with Unity Bank.
Overall, Unity National Bank - Blodgett offers a range of services to meet customers' banking needs, with a focus on customer service and accessibility.

13. Central Bank
Información y Opiniones
Central Bank is a reliable choice for all banking needs in Houston. With a solid 4.0 ranking, customers have praised the bank for its excellent customer service and polite and professional staff. The drive-through option is available, making transactions quick and convenient.
- Polite and professional staff
- Excellent customer service
- Convenient drive-through option

14. Guaranty Bank & Trust
Información y Opiniones
- Free checking without attached requirements
- Quick Debit Card issuance
- Efficient PPP loan approvals
- Great customer service and easy-to-work-with staff
With a ranking of 3.9, Guaranty Bank & Trust is a reliable choice for all banking needs in the Galleria area. Visit their website for more information on services and accessibility options.

15. Central Bank
Información y Opiniones
- Nice small bank with lots of personal attention given to the customer.
- Always professional and we appreciate it!
- I love this bank. Personal service like a small hometown bank. They never disappoint!
- Great branch great people.
Central Bank's services include a drive-through option and accessibility features such as wheelchair-accessible parking and entrance. For more information, visit their website and experience the exceptional service provided by Central Bank in person.

16. Capital Bank
Información y Opiniones
Customer reviews highlight the following key points:
- Adam Lund and the team at Capital Bank are incredibly helpful with business ventures.
- Long wait times and poor customer service experiences have been reported.
- Some customers have had issues with account security and unresponsiveness from the bank.
- Others appreciate the safety measures in place and recommend the bank for its reliability.
If you are in need of a trusted banking partner in Houston, consider giving Capital Bank a visit!

17. State Bank of Texas
Información y Opiniones
- Customers rave about the exceptional service provided by the staff.
- Many customers have praised the bank for its reliability and trustworthiness.
- Customers appreciate the range of financial services offered by the bank.
Whether you need assistance with personal banking, business accounts, or loans, State Bank of Texas is dedicated to providing you with the best financial solutions. Visit their website or contact them today to learn more about how they can help you achieve your financial goals.

18. Central Bank
Información y Opiniones
Customer feedback highlights the following key points:
- One customer expressed frustration over a late fee and perceived lack of flexibility during challenging times.
- Another client praised Central Bank for its exceptional customer service and years of positive experiences.
- A commercial customer appreciates the professionalism and prompt responses from the treasury department.
- Multiple customers emphasized the personalized service and local touch that distinguishes Central Bank from larger institutions.
These insights reflect the diverse experiences customers have had with Central Bank, showcasing its commitment to quality service and personalized attention to detail. Visit their website to learn more about the services they offer.

19. Texas Gulf Bank
Información y Opiniones
- Great bank with exceptional customer service
- No hidden fees or extra charges
- Convenient online banking options
Customers have praised the staff for their professionalism and willingness to help. Whether you need assistance with your account or guidance on financial planning, Texas Gulf Bank is dedicated to providing top-notch service to all their clients.

20. Bank of America (with Drive-thru ATM)
Información y Opiniones
- Friendly staff that goes above and beyond to assist customers.
- Efficient service, with minimal wait times.
- Knowledgeable and helpful employees, especially when resolving complex issues.
Despite some negative experiences reported, the majority of customers have praised the professionalism and dedication of the team members at Bank of America. If you are in need of banking services, consider visiting this branch for a personalized and efficient experience.

21. PNC Bank
Información y Opiniones
- Customers appreciate the quick and easy process of opening accounts at PNC Bank.
- Positive reviews mention knowledgeable and helpful staff, like Victoria, who go above and beyond for clients.
- Many customers value the personalized attention they receive at PNC Bank, feeling like more than just an account number.
With drive-through service options and wheelchair-accessible amenities, PNC Bank strives to provide a convenient and inclusive banking experience for all. If you're looking for a bank that values customer service and reliability, consider PNC Bank for your financial needs.

22. US E Credit Union
Información y Opiniones
One satisfied customer shared their experience, giving US E Credit Union a perfect rating. The customer highlighted the ease of access to financial services and the accommodating staff.
In summary, the key points from customer reviews are:
- Convenient services, such as drive-through options
- Wheelchair accessibility for all customers
- Excellent customer service from the staff
If you are looking for a reliable credit union in the Houston area, US E Credit Union is definitely worth considering.
Map of Banks in Houston with Free Checking
Explore a collection of banks in Houston which offer free checking, increasing your financial flexibility. Enjoy the comfort of no monthly fees and restrictions, while maintaining the same security for your assets. Our comprehensive user-friendly map helps you locate these banks. Now, viewing all Houston banks offering free checking has never been easier.
What are some banks in Houston that offer free checking accounts?
Bank of America: Bank of America offers a free checking account option with no monthly maintenance fees.
Chase: Chase Bank also provides free checking accounts for customers who meet certain criteria, such as setting up direct deposit or maintaining a minimum balance.
BBVA: BBVA is another bank in Houston that offers free checking accounts with no monthly service charges.
How can I qualify for a free checking account at a Houston bank?
In order to qualify for a free checking account at a bank in Houston, you may need to meet certain requirements such as maintaining a minimum balance, setting up direct deposit, or enrolling in e-statements.
Some banks may also require you to meet a certain number of transactions each month in order to waive monthly fees for the checking account.
It's important to review the specific requirements of each bank in Houston offering free checking accounts to determine which option is the best fit for your financial needs.
What are the benefits of having a free checking account in Houston?
Having a free checking account in Houston can save you money on monthly maintenance fees that are typically associated with traditional checking accounts.
Free checking accounts often come with no minimum balance requirements, making them accessible to a wider range of customers.
With a free checking account, you can easily manage your finances, make transactions, and access online banking services without incurring additional fees.
Are there any restrictions or limitations with free checking accounts at Houston banks?
Some banks in Houston may have restrictions on the number of transactions you can make per month with a free checking account.
Other limitations may include minimum balance requirements or fees for using ATMs that are outside of the bank's network.
Be sure to read the terms and conditions of the free checking account offered by each Houston bank to understand any restrictions or limitations that may apply.
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