Houston, Texas Best Checking Accounts & Rates October 2026

No additional details provided.

Qualifications Required: Minimum 20 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; Receive e-Statements; Balance of $150,000 and over; ATM service charge refunds are capped at $15 per statement cycle.

Balance: up to $3,000

Highest APY includes 3.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. An $8.00 monthly maintenance fee applies to the Value Plus Checking account. To waive the monthly fee, you MUST maintain a minimum balance of $5,000.00 OR set up and maintain direct deposit of $1,000.00 or more.

Qualifications Required: enrollment in eDocuments; recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account; a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month; Requirements to earn the highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month. The highest APY includes 2.50% on HYC balance up through $20,000 and 0.25% on any HYC balance over $20,000; 1.00% APY on primary savings balance up through $50,000 and 0.25% APY on primary savings balance over $50,000. If requirements are unmet, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account holders will receive a maximum rebate of $30 monthly on non-TDECU ATM fees. For our High-Yield Checking accounts only, members qualify for Identity Theft Recovery Services.

Balance: $0.01 - $4,999.99

Balance: $0 - $10,000; Qualifications Required: 20 eligible card transactions a month; Complete at least 20 eligible card transactions a month to earn a bonus dividend. Certain restrictions apply. Rate is variable and subject to change after account is opened.

Qualifications Required; Tier 2; 1 ACH item post and settle; Minimum deposit of $10,025 required (includes a one time $25 membership fee ). Requirements must be met by the third Thursday of each month .

Qualifications Required: At least 15 debit card purchases; At least 1 direct deposit or ACH payment transaction; Receive eStatements; Nationwide ATM withdrawal fee refunds; Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 2.00% to 0.64% APY depending on the account's daily balance; ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.

Balance: $25,000 - 249,999.99; Dividends Compounded and Credited: Monthly; Dividend Period: Monthly

Qualifications Required; Tier 2; 1 ACH item post and settle; Minimum deposit of $10,025 required (includes a one time $25 membership fee ). Requirements must be met by the third Thursday of each month .

Balance: $1,000,000.00 and above

Balance: $500,000.00 to $999,999.99

Qualifications Required; Tier 1; 1 ACH item post and settle; Minimum deposit of $10,025 required (includes a one time $25 membership fee ). Requirements must be met by the third Thursday of each month .

No additional details provided.

No additional details provided.

Balance: $1,000.00 - 24,999.99; Dividends Compounded and Credited: Monthly; Dividend Period: Monthly

Qualifications Required: 1 direct deposit or ACH credit; 10 debit card point-of-sale withdrawal transactions of $1 or more per month; enrollment in eDocuments; online banking enrollment/login

Qualifications Required; Balance: $.01 to $24,999.99

Balance: $250,000.00 to $499,999.99

Balance: $250,000 and above; Fees may reduce earnings on the account; Rate may change after account opens

Balance: $75,000.00 to $249,999.99

Balance: $100,000 - $249,999; Fees may reduce earnings on the account; Rate may change after account opens

Qualifications Required: requirements not met; Balance: $.01 & above

Balance: $100,000

Balance: $.01 to $74,999.99

Balance: Less than $100,000

Balance: $50,000 - $99,999; Fees may reduce earnings on the account; Rate may change after account opens

Balance: $25,000 - $49,999; Fees may reduce earnings on the account; Rate may change after account opens

Balance: $10,000 - $24,999; Fees may reduce earnings on the account; Rate may change after account opens

Qualifications Required; Refund up to $25 monthly; Average daily balances up to and including $20,000 earn dividend rate of 5.841%; Average daily balances over $20,000 earn dividend rate of 0.995% on the portion of the average daily balance over $20,000, resulting in a range from 6.00% to 1.83% APY depending on the account's average daily balance. Balance: $0.01 - $20,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $15,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 to $20,000

Qualifications Required; Balance: $0.00 - $10,000.00; Balance up to $10,000.00; Disclosure states dividend rate 5.50% resulting in APY of 5.64%; Monthly maintenance fee $0; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Best for High Balances; Online banking requires enrollment and log-in during Monthly Qualification Cycle

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $15,000

Balance: $.01 - $20,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $10,000

up to $10,000; Balance: up to $10,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $25,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Reward Rate for balances up to $25,000.00

Qualifications Required: Qualifying balance less than and equal to $25,000; Qualifying balance less than and equal to $25,000; Balance: Qualifying balance less than and equal to $25,000

No additional details provided.

Qualifications Required; Average daily balances up to and including $25,000; ATM withdrawal fee refunds up to $25 per cycle nationwide

Qualifications Required; Qualifying balance up to $25,000.00

Qualifications Required; Qualifying balance up to $9,999.99

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $100,000

Qualifications Required; Balance: 0 - $20,000

Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: <= $25,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $100,000.01+

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,000.01+

Qualifications Required; Balance: Up to $10,000.00; Qualifying balance up to $10,000.00

Qualifications Required: At least 1 direct deposit or ACH credit transaction(s); At least 20 debit card purchases, each greater than $5.00; Balances over $15,000 earn an interest rate of 0.499% resulting in a range from 2.02% to 0.50% APY, depending on the account's average daily balance. Interest will be compounded monthly. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 'Monthly Qualification Cycle' means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 'Banking Day' means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. 'Business Day' means a calendar day other than a Saturday or a Sunday and all Federal Holidays. 'Statement Cycle' means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Interest Rates, APY, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of this account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Qualifications Required: 1. Must have at least 12 debit card purchases post and settle; 2. Must have at least 1 direct deposit or ACH payment post and settle; 3. Must be enrolled in and agree to receive e-statements; 4. Must be enrolled in online banking and log in at least once during the monthly qualification cycle.; Balance: 0 - $15,000

Balance: Funds Over $10,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $100 - $15,000

Balance: $0 to $10,000; APY: 2.00% to 0.41%

Balance: Up to $50,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balances up to $10,000.00 (when qualifications are met); Variable Interest Rate; APY*

Qualifications Required: Qualifications Met; Balance: Less than $10,000.00; Qualifications Met

Balance: $100.00 - $4,999.00

Qualifications Required: 15 debit card purchases; 1 automatic payment or direct deposit; eStatements enrollment; Online Banking enrollment; 0.50% to 0.24% APY* (depending on balance) for balances above $25,000 if qualifications are met; 0.10% APY* on all balances when qualifications are not met. Maximum ATM fee reimbursement is $25/month, if qualifications are met. Reimbursements will be credited to your account on the last day of your statement cycle. The qualification cycle begins on the first day of the month and ends on the last day of the month. However, the applicable rate will be calculated on the daily balances beginning one day prior to the start of the statement cycle and ending one day prior to the end of the statement cycle. The statement cycle ends on the 1st day of every month, unless the 1st is a Friday or non-banking day, in which it will end on the next banking day. Refer to our "Common Features (Limits and Fees)" for additional fees which may be associated with this account. July 2026

Balance: $15,000 and Greater

Balance: $2,500 - $14,999.99

Balance: $100,000.00 and greater; Rates based on average daily balance

No additional details provided.

Balance: $25,000.00- 99,999.99; Rates based on average daily balance

Qualifications Required: 10+ card transactions per month; e-statements enrollment; Interest is paid on all active checking accounts defined as 10+ card transactions per month plus e-statements. Interest is compounded and credited monthly. APY is earned when dividend is posted to your Checking Account. APY = Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings to the account. APY is accurate as of 12/16/2022.

Balance: $10,000.00-24,999.99; Rates based on average daily balance

Balance: $500 - $2,499.99

Requires average daily balance of $500 to earn dividend

Balance: $500.01 and Up

No additional details provided.