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Best Banks & Checking Accounts in Pearland, Texas - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 20, 2026

The best checking rates for Pearland, Texas include Texas First BankTexas First Bank2343 N Main St, Pearland, TX 77581A+5.0 ★Texas Ratio: 2.47% at 4.00% APY, HOUSTON TEXAS FIRE FIGHTERSHOUSTON TEXAS FIRE FIGHTERS3030 Cullen Blvd Ste 111, Pearland, TX 77584A+5.0 ★Texas Ratio: 2.19% Premium Checking Tier 1 at 0.50% APY, Texas Bay Credit UnionTexas Bay Credit Union11555 Magnolia Parkway, Pearland, TX 77584A5.0 ★Texas Ratio: 8.99% Checking Account at 0.15% APY, Independent Bank Mckinney, TXIndependent Bank Mckinney, TX4605 Broadway St, Pearland, TX 77581A+5.0 ★Texas Ratio: 2.30% Community Checking at 0.08% APY, and Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union1819 Broadway St Ste 109, Pearland, TX 77581 5671A+5.0 ★Texas Ratio: 3.85% Advantage Checking Account at 0.05% APY.

Looking for the best checking accounts in Pearland, Texas? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Pearland, Texas, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Pearland, Texas. Checking Account Rates Last Updated and Verified: March 20, 2026

Pearland, TX Checking Rate Trends

Compare local Pearland, TX checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Texas Checking Trends →
High-Yield Checking — TX Avg
1.424%
▲ 1.287 from last week

Texas high-yield checking rates rose 1.287 points this week to 1.424% APY, up from 0.138% last week.

Rewards Checking — TX Avg
2.751%
▲ 1.307 from last week

Texas rewards checking rates rose 1.307 points this week to 2.751% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Pearland, Texas & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111
Pearland, TX 77584
Premium Checking Tier 1
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111
Pearland, TX 77584
Premium Checking Tier 2
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Checking Account
0.15%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Receive a certificate redeemable for a $25 gift card.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$200,000 to $299,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$150,000 to $199,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$100,000 to $149,999.99

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
4605 Broadway St
Pearland, TX 77581
Community Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$50K to $99,999.99

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1819 Broadway St Ste 109
Pearland, TX 77581 5671
Advantage Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
4605 Broadway St
Pearland, TX 77581
Community Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Premium Perks Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
9915 Broadway St
Pearland, TX 77584
Teen Checking Account
0.02%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$250 to $4,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Share Drafts (Checking)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$250 to $99,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111
Pearland, TX 77584
Premium Checking Tier 1
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111
Pearland, TX 77584
Premium Checking Tier 2
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$200,000 to $299,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$150,000 to $199,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$100,000 to $149,999.99

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1819 Broadway St Ste 109
Pearland, TX 77581 5671
Advantage Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$50K to $99,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$250 to $4,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Premium Perks Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
8840 Gazelle Dr
El Paso, TX 79925
ePriority Checking
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1810 N Major Dr
Beaumont, TX 77713
Checking
6.10%
$25
View
▼
Rate5.94%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: $1,500 in direct deposit transactions per month; 20 combined debit card or credit card purchases or bill payments per month; Log in to the Mobile App or Online Account Access at least once per month; Go Paperless with eStatements; Qualifying balance up to $35,000.00

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Back Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline Dr
Nederland, TX 77627 8303
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St
Austin, TX 78701
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $15,000

DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Qualifying balance up to $25,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
2343 N Main St
Pearland, TX 77581
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Premium Perks Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Back Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way
San Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking*
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd
Pasadena, TX 77501
Rewards Checking - Qualify
4.75%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $10,000.00

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
High-Yield Rewards* Checking Tier 4
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
High-Yield Rewards Checking (HYRC)
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
1501 W University Blvd
Odessa, TX 79764
Reward Checking Tier # 2
4.15%
$50
View
▼
Rate4.07%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Texas Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
1120 Us Highway 79 N
Henderson, TX 75652
Texas Reward Checking
4.07%
$25
View
▼
Rate4.00%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
2633 Rodd Field Rd
Corpus Christi, TX 78414 3145
Kasasa Reward Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $25,000.00

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St
Amarillo, TX 79109
Rewards Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
909 W Sanford St
ARLINGTON, TX 76012 5032
Rewards Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $9,999.99

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
5740 County Road 4
Bishop, TX 78343
Reward$ Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
603 S Adams St Ste 10A
Fort Worth, TX 76104 3023
Carter Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No minimum balance required

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Henderson FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
130 N Marshall St
Henderson, TX 75652
Freedom Checking Account
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $99,999.99

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $24,999.99

GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.97%
7227 Viscount Blvd
El Paso, TX 79925
Free2Be checking account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

(16-17 years old)

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St
Amarillo, TX 79109
Access Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
1177 Ne Loop 410
San Antonio, TX 78209
Private Access Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
1177 Ne Loop 410
San Antonio, TX 78209
Free Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300
Fort Worth, TX 76177 5311
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
6701 Burlington Blvd
Fort Worth, TX 76131
Best Free Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St
El Paso, TX 79912
Essential Personal Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
975 William D Tate Ave
Grapevine, TX 76051 4097
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St
Gainesville, TX 76240
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Rally Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
5725 Spohn Dr
Corpus Christi, TX 78414 4117
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd
Pasadena, TX 77501
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
9915 Broadway St
Pearland, TX 77584
Teen Checking Account
0.02%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line Rd
Irving, TX 75063 6006
Youth Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
2309 Montgomery St
Fort Worth, TX 76107 4520
CU Varsity Youth Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
1507 Pine Tree Rd
Longview, TX 75604 2350
Student Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
100 BOLLING Dr
WACO, TX 76705
College Choice Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd
Carrollton, TX 75006 7260
Teen Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
6201 Sanger Ave
Waco, TX 76710
Student Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek Blvd
Austin, TX 78757
True Youth Checking Account - Anticipated Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave
Austin, TX 78752 2315
Youth Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
2300 Texas Ave
Texas City, TX 77590
Youth Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Account Balance: $500 and up

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2455 Stringer St
Brenham, TX 77833
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave
Austin, TX 78752 2315
Youth Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr
Houston, TX 77090 6716
Student Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Commercial Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Plus Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Commercial Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Plus Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Commercial Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Plus Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Commercial Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Plus Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Commercial Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Plus Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway
Pearland, TX 77584
Simply Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
118 S Houston Ave
Cameron, TX 76520
Business Advantage Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
209 State Highway 121 BYP
Lewisville, TX 75067 4151
Fiduciary Business Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
Business High-Yield Checking
1.74%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 3

Texas Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Crowley Rd
Crowley, TX 76036
Business Interest Checking
1.72%
$0
View
▼
Rate1.71%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
Business High-Yield Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 2

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine Ave
Palestine, TX 75801
Premier Business Checking
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
118 S Houston Ave
Cameron, TX 76520
Business Advantage Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.95%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Pearland, Texas directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Pearland, Texas. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in TX.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Pearland, Texas earn interest?

Most traditional local checking accounts in Pearland, Texas earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Pearland, Texas FDIC insured?

Yes. Legitimate banks with branches in Pearland, Texas are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Pearland, Texas

Based on our current data, some of the highest checking account APYs available to residents of Pearland, Texas include:
  • Texas First Bank
    — 4.00% APY
  • HOUSTON TEXAS FIRE FIGHTERS
    Premium Checking Tier 1 — 0.50% APY
  • Texas Bay Credit Union
    Checking Account — 0.15% APY
  • Independent Bank Mckinney, TX
    Community Checking — 0.08% APY
  • Gulf Coast Educators Federal Credit Union
    Advantage Checking Account — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pearland, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Pearland, Texas Rates & Resources

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