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Best Banks & Checking Accounts in Round Rock, Texas - March 2026

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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 22, 2026

The best checking rates for Round Rock, Texas include Austin Telco Federal Credit UnionAustin Telco Federal Credit Union201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009A+5.0 ★Texas Ratio: 2.16% True Earnings Checking Account at 5.00% APY, Citizens National Bank Cameron, TXCitizens National Bank Cameron, TX110 S Mays, Round Rock, TX 78664A+5.0 ★Texas Ratio: 1.72% Personal Advantage Plus Checking at 3.00% APY, Round Top State BankRound Top State Bank2250 N A W Grimes Blvd, Round Rock, TX 78665A+5.0 ★Texas Ratio: 0.00% Checking Plus with Interest at 0.20% APY, VeraBankVeraBank902 E Palm Valley Blvd, Round Rock, TX 78664A+5.0 ★Texas Ratio: 2.12% Checking Accounts at 0.10% APY, and Independent Bank Mckinney, TXIndependent Bank Mckinney, TX4420 Sunrise Rd, Round Rock, TX 78665A+5.0 ★Texas Ratio: 2.30% Community Checking at 0.08% APY.

Looking for the best checking accounts in Round Rock, 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 Round Rock, Texas, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Round Rock, Texas. Checking Account Rates Last Updated and Verified: March 22, 2026

Round Rock, TX Checking Rate Trends

Compare local Round Rock, 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
1.428%
▲ 1.290 from last week

Texas high-yield checking rates rose 1.290 points this week to 1.428% APY, up from 0.138% last week.

Rewards Checking — TX Avg
2.697%
▲ 1.254 from last week

Texas rewards checking rates rose 1.254 points this week to 2.697% APY, up from 1.444% last week.

As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Earnings Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Met; Qualifying balance up to $15,000.00

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
0.53%
$0
View
▼
Rate0.53%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Round Top State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2250 N A W Grimes Blvd
Round Rock, TX 78665
Checking Plus with Interest
0.20%
$1,000
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

VeraBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
902 E Palm Valley Blvd
Round Rock, TX 78664
Checking Accounts
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
4420 Sunrise Rd
Round Rock, TX 78665
Community Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

VeraBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
902 E Palm Valley Blvd
Round Rock, TX 78664
Checking Accounts
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1000 S Mays St
Round Rock, TX 78664 6786
A+ Checking
0.05%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
737 Louis Henna Blvd Ste 300
Round Rock, TX 78664
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
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.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Checking Account - Anticipated Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
571 University Blvd
Round Rock, TX 78665 1048
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
101 University Oaks Blvd
Round Rock, TX 78665
Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Check Plus Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Regular Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
710 Hesters Crossing Rd
Round Rock, TX 78681
Free Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Met; Qualifying balance up to $15,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
True Earnings Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
0.53%
$0
View
▼
Rate0.53%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Personal Advantage Plus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Round Top State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2250 N A W Grimes Blvd
Round Rock, TX 78665
Checking Plus with Interest
0.20%
$1,000
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
571 University Blvd
Round Rock, TX 78665 1048
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Check Plus Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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

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

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.

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 21, 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

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

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line Rd
Irving, TX 75063 6006
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

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

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

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
737 Louis Henna Blvd Ste 300
Round Rock, TX 78664
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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

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

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

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

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.

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 21, 2026
Details

Qualifying balance up to $25,000.00

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

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access Rd
Wichita Falls, TX 76306
Cash Back Checking
3.00%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required: 1 direct deposit, bill pay, or ACH payment transaction post and settle; 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle; e-statements enrollment; Cash back earned on up to $400 in purchases monthly; Earn up to $144 cash back per year, $12 per month; Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*

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

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

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr
Baytown, TX 77520 2076
Reward Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
7551 Fm 834 E
Hull, TX 77564
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: 15 debit card purchases post and settle; 1 direct deposit or ACH payment transaction; Receive eStatements; Qualifying balance up to $200

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
710 Hesters Crossing Rd
Round Rock, TX 78681
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%
710 Hesters Crossing Rd
Round Rock, TX 78681
Free Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 18, 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
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 21, 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 21, 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 21, 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 21, 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
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

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.

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.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
761 Tank Battalion
Fort Hood, TX 76544 4906
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

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.

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 22, 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.

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St
Dallas, TX 75202 5324
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
201 Sundance Pkwy Ste B
Round Rock, TX 78681 8009
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.

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.

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 22, 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.

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 22, 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.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
2000 Post Oak Blvd
Houston, TX 77056
Teen Checking Account
0.02%
$1
View
▼
Rate0.00%
Min Deposit$1
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

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 22, 2026
Details

No additional details provided.

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.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Business Advantage Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
110 S Mays
Round Rock, TX 78664
Business Advantage Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
900 Round Rock Ave
Round Rock, TX 78681 4510
Choice Business Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
710 Hesters Crossing Rd
Round Rock, TX 78681
Preferred Business Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
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 21, 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 22, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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

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.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
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
Business Checking Accounts
0.75%
$100
View
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
603 S Adams St Ste 10A
Fort Worth, TX 76104 3023
Commercial Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 1

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Round Rock, 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 Round Rock, 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 Round Rock, Texas earn interest?

Most traditional local checking accounts in Round Rock, 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 Round Rock, Texas FDIC insured?

Yes. Legitimate banks with branches in Round Rock, 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 Round Rock, Texas

Based on our current data, some of the highest checking account APYs available to residents of Round Rock, Texas include:
  • Austin Telco Federal Credit Union
    True Earnings Checking Account — 5.00% APY
  • Citizens National Bank Cameron, TX
    Personal Advantage Plus Checking — 3.00% APY
  • Round Top State Bank
    Checking Plus with Interest — 0.20% APY
  • VeraBank
    Checking Accounts — 0.10% APY
  • Independent Bank Mckinney, TX
    Community Checking — 0.08% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Round Rock, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 22, 2026

Round Rock, Texas Rates & Resources

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