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Texas Rewards Checking Accounts

Below are banks and credit unions that offer rewards checking accounts nationally and also for Texas. Rewards checking accounts offer a higher interest rate up to a certain balance level in exchange for the user doing certain activities. These requirements may include using a debit card a certain number of times each month, using bill pay, or setting up a direct deposit to the account. In general, the accounts offer significantly higher interest rates on deposited money. Once the user goes over the deposit limit, the rewards checking account rate will drop.

Rewards Checking Accounts - Texas - July 25, 2021

InstitutionS APY MILES? MAX
Coastlife

Restrictions

3.56%

551.09

$10,000

Texoma Community

Restrictions

3.51%

1,429.69

$10,000

Union Square

Restrictions

3.51%

1,429.48

$25,000

Navy Army

Restrictions

3.01%

1,553.53

$25,000

Chemcel

Restrictions

3.00%

1,379.58

$20,000

First-Lockhart National Bank

2.05%

1,508.37

$25,000

Texas First Bank

2.01%

1,348.28

$10,000

Incommons Bank, N.A.

2.00%

1,380.25

$10,000

Plus4

Restrictions

2.00%

1,400.95

$25,000

Texas Bank

1.76%

1,284.17

$25,000

Texas Heritage National Bank

1.76%

1,267.79

$2,500

Classic Bank, National Association

1.51%

1,439.55

$10,000

Mct

Restrictions

1.50%

1,329.01

$20,000

Shell

Restrictions

1.50%

1,402.49

$20,000

Neighborhood

Restrictions

1.25%

712.28

$50,000

Texas Citizens Bank, National Association

0.85%

1,396.66

$25,000

Texas Gulf Bank, National Association

0.50%

1,417.35

$25,000

River City

Restrictions

0.35%

1,550.37

$2,500

Telco Plus

Restrictions

0.20%

1,289.45

$20,000

Texas Bay

Restrictions

0.06%

269.42

$150,000

BTH Bank, National Association

0.03%

1,281.46

$50,000

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