Best Banks & Checking Accounts in Richmond, Texas - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Richmond, Texas include Texas Bay Credit UnionTexas Bay Credit Union18320 W Airport Blv, Richmond, TX 77407A5.0 ★Texas Ratio: 8.99% High Yielding Share Drafts (Checking) at 0.11% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX10161 W Grand Parkway, Richmond, TX 77407A+5.0 ★Texas Ratio: 5.63% Money Management Checking at 0.25% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Evolve Federal Credit UnionEvolve Federal Credit UnionA+5.0 ★Texas Ratio: 0.63% ePriority Checking at 7.23% APY, and 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.
Richmond has 2 local institutions in our database, with checking rates as high as 1.51% APY from Texas Bay Credit Union at 18320 W Airport Blv, Richmond, TX, 77407. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Richmond, Texas. Checking Account Rates Last Updated and Verified: May 12, 2026
Compare Checking Account Rates Today in Richmond, Texas & the Surrounding Area
Richmond, TX 77407
$700,000 and up
Richmond, TX 77407
$700,000 and up
Richmond, TX 77407
$500,000 to $699,999.99
Richmond, TX 77407
$500,000 to $699,999.99
Richmond, TX 77407
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Richmond, TX 77407
$300,000 to $499,999.99
Richmond, TX 77407
$300,000 to $499,999.99
Richmond, TX 77407
No additional details provided.
Richmond, TX 77407
$50,000 to $299,999.99
Richmond, TX 77407
$50,000 to $299,999.99
Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
$1,000 to $49,999.99
Richmond, TX 77407
$1,000 to $49,999.99
Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
$250 to $99,999.99
Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Richmond, TX 77407
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Qualifying balance up to $15000
Qualifications Required; Qualifying balance up to $10,000.00
Qualifying balance up to $15,000
Qualifying balance up to $15,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $15,000.00
Qualifications Met; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
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Richmond, TX 77407
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Richmond, TX 77407
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Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
No additional details provided.
Qualifying balance up to $9,999.99
Qualifications Required; Qualifying balance up to $100,000.00
Qualifying balance up to $400 in purchases
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required
Qualifications Required; Qualifying balance up to $20,000.00
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Qualifications Required; Qualifying balance up to $5,000.00
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Qualifying balance up to $2,499.99
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$500 and up
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Richmond, TX 77407
$700,000 and up
Richmond, TX 77407
$700,000 and up
Richmond, TX 77407
$500,000 to $699,999.99
Richmond, TX 77407
$500,000 to $699,999.99
Richmond, TX 77407
$300,000 to $499,999.99
Richmond, TX 77407
$300,000 to $499,999.99
Richmond, TX 77407
$50,000 to $299,999.99
Richmond, TX 77407
$50,000 to $299,999.99
Richmond, TX 77407
$1,000 to $49,999.99
Richmond, TX 77407
$1,000 to $49,999.99
Richmond, TX 77407
$1,000 to $49,999.99
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
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Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
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Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
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Richmond, TX Checking Rate Trends
Compare local Richmond, TX checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas high-yield checking rates fell 0.091 points over the past 7 days to 3.636% APY.
Texas free checking rates rose 0.124 points over the past 7 days to 1.485% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Richmond, 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 Richmond, 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 Richmond, Texas earn interest?
Are banks in Richmond, Texas FDIC insured?
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What is a Rewards Checking account?
Best Checking Rates in Richmond, Texas
- Texas Bay Credit Union
High Yielding Share Drafts (Checking) — 0.11% APY - First Community Credit Union Houston, TX
Money Management Checking — 0.25% APY - Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Evolve Federal Credit Union
ePriority Checking — 7.23% APY - 5Point Credit Union
High-Yield Checking Account — 6.00% APY
