Best bank bonuses in Texas

The bank's own terms read "Customer's primary address on the account must be in San Antonio MSA." This is the San Antonio round; the earlier one was limited to The Woodlands and that page is gone. New checking customers.

New consumer checking customers only. Ineligible with an existing Huntington consumer checking account or one closed in the last 12 months. Separately, Huntington says it may limit an individual to one account-related cash incentive per rolling 24-month period across all deposit accounts, counted from the most recent payment, so a prior Huntington bonus can hold you back longer than the closed-account rule does.

New Truist checking customers only; not eligible if a Truist checking account was closed on or after 7/14/2025. Expires 2/2/2027.

Available online (promo code EZV3F2M) or in-branch. Ineligible if you held a personal Regions checking account within the prior 12 months. Register by Dec 31, 2026; open by Jan 31, 2027.

New business checking customers only, state restricted, apply by October 14, 2026. The two tiers have DIFFERENT funding deadlines: Unlimited Business Checking pays $400 for total new money deposits of $5,000 or more within 60 days of opening, while Unlimited Plus pays $1,000 only if $20,000 or more lands within 30 days and then sits at $20,000 or more for the next 60 days. Both require keeping the account open for 90 days. Plan on paying the monthly fee through the hold: Unlimited is $20 a month waived only at a $10,000 total deposit relationship, Unlimited Plus is $40 a month waived only at $50,000, and neither the $5,000 nor the $20,000 deposit clears its own threshold because the cash bonus does not count toward it.

The offer is valid only to residents of Texas, Louisiana, Mississippi, Alabama or Florida. You have to be a new Hancock Whitney checking client: no current checking account, none closed in the past 90 days, and none closed with a negative balance in the past three years. There is a limit of one consumer checking bonus and one consumer savings bonus per household every two calendar years, with a household lifetime cap of two of each, and the bank does enforce it. Accounts have to stay open and active until the bonus is paid.

The offer is limited to residents of San Antonio, Texas and New Orleans, Louisiana. Only one new checking account per primary member per household mailing address earns the incentive, and it cannot be combined with another Credit Human offer.

Texas residents only. Promo code CKPR. New checking customers only.

Texas residents only. Promo code NEIGHBOR. New members only.

Schertz Bank & Trust (San Antonio metro, Texas). Both the money and the direct deposit must be new to the bank. One bonus per customer. The account comes with online banking and e-statements. The bank does not publish a deadline to open the account or a date by which the bonus is paid.

New customers only (cannot have existing checking account relationship). May also be available in AZ, AR, NM but only TX is confirmed. Must have SSN or TIN.

Cannot have had an account since 8/17/26. Simmons Bank reserves the right to limit to $900 in bonuses per rolling twelve month period across all deposit relationships.

Membership: Credit Union of Texas (DFW and East Texas). This is a branch offer, so the promotion flyer has to be presented in person at account opening. Valid on Secure Checking and Secure Plus Checking only, not on a second checking account, and limited to one bonus per household. The bonus is a match on your initial deposit, so a smaller opening deposit means a smaller bonus. No published end date.

Limit one of each bonus type per account; converted accounts are not eligible. The current disclosure (eff. 9/27/25) has no new-customer restriction.

Membership: PECU (Austin, Texas). Open to anyone who lives, works, worships or attends school in Travis, Williamson, Bastrop or Hays County. You must be at least 18. No direct deposit is required for this bonus. Not valid for existing PECU members, though existing members can refer a friend. New accounts are screened through ChexSystems. The cash is deposited within 60 days after you finish the requirements and is reported as income to the IRS. If you close the checking account less than 180 days after opening it, the bonus is taken back.

Membership: live or work in one of Together's communities, work for a partner employer, or be immediate family or a household member of a current member. Communities are St. Louis City, St. Louis County, St. Charles County and Jefferson County in Missouri; Madison and St. Clair counties in Illinois; the Williamsburg, Virginia area; and set zip codes in the Dallas, Texas metro near Cedar Hill. The $50 piece requires a referral from a current member who has been a member at least 90 days. You must be in good standing when the qualifying transactions post, and the cash is reported on a 1099. Offer runs January 1, 2026 through December 31, 2026.

Cannot have any existing Wellby checking accounts. Formerly JSC Federal Credit Union. May be able to qualify through ACC (membership path unclear). Out-of-state opening possibility mentioned but not confirmed.

Freestyle Savings, available in Alabama, Florida, Louisiana, Mississippi and Texas. Fill in the form on the bank's offer page to get your promo code, then open online or at a financial center by 8/31/2026. Deposit $5,000 or more within 30 days of opening and keep a minimum daily balance of $5,000 or more for 60 days. The money must not already be on deposit at Hancock Whitney. Payment comes within 135 days of opening. Hancock Whitney limits this to one savings bonus per household every two calendar years, with a household lifetime cap of two savings bonuses, and readers report that limit being enforced. You can open the Freestyle Checking account at the same time for its own $300 bonus plus a $200 extra for doing both.

Membership: A+ FCU open field of membership; you need a US SSN or ITIN. Not valid for existing or previous members, one per household, and one per SSN or ITIN. New accounts are screened through ChexSystems. Fiduciary, association, guardianship, trust, business, and estate accounts are excluded, as are A+FCU employees, volunteers, and their families. Both halves land in your Membership Savings account, the second within a week of the qualifying payroll deposits. Promotional deposits are deducted if the account closes less than 180 days after opening. Employer-group applicants can use offer code 2026SEG100 for up to $100 instead.

New customers only, and HSBC's definition is a lifetime one: "A 'New Customer' is someone who doesn't have a current or past HSBC account in the U.S. on file." A closed HSBC U.S. account from any point in the past disqualifies you, so this is not a 12-month or 24-month lookback. The Premier checking account must be opened by December 31, 2026. Premier qualification criteria also govern the $50 monthly fee waiver, with $100,000 in combined balances given as the example. Nationwide.

Open or upgrade to a new Chase Private Client Checking account by October 14, 2026. Top $3,000 tier requires $500,000+ in new money; $1,000 minimum tier requires $150,000. Requires an in-person/banker meeting to redeem the coupon.

New Chase business checking customers only. You are not eligible if your business already has a Chase business checking account, if you closed one within 90 days of opening it, or if you closed one with a negative balance in the past three years. Government entities, political action committees and campaign accounts are excluded, as are JPMorgan Chase employees. A signer can take one Chase business checking offer every two years counted from the last enrollment date, and only one offer applies per account. Chase does not open business deposit accounts for Hawaii businesses, so Hawaii owners cannot use this one. Chase business CREDIT CARDS are still available in Hawaii. Expires October 15, 2026.

Business checking. Promo code Q3DIG26. Expires September 27, 2026. New business checking customers only. Two accounts qualify and they are not priced the same: $1,200 needs the Platinum Business Checking Package and $25,000 held, and $400 needs U.S. Bank Business Essentials and $5,000 held. Business Essentials has no monthly maintenance fee. Platinum lists $30 a month but waives it at a $25,000 average collected checking balance, which is the same money the bonus asks you to hold.

Your business has to have annual revenue under $10 million. PNC states that limit on the offer itself, so check it before you plan anything else. New PNC business checking customers only, which means no signer on the account may already have signing authority on a PNC business checking account, have closed one in the past 90 days, or have been paid a PNC promotional premium in the past 12 months. Open a Treasury Enterprise Plan account between July 1, 2026 and September 30, 2026 and keep an average ledger balance of $30,000 or more for each of your first three statement cycles. Only the master account balance counts, so money sitting in linked beneficiary accounts does not. Your statements must cycle monthly; accounts on daily, weekly or quarterly statements are excluded. The plan lists at $50 a month but is $0 for the first three statement cycles and is waived at a $30,000 average balance, so the hold itself covers the fee. Analysis Business Checking also qualifies for the same $1,000, but avoid it unless you have a reason: its fee is only offset by an earnings credit on much larger balances, so at $30,000 you would still pay around $25 a month.

New business checking customers only. A business is not eligible if it currently owns a Wells Fargo business checking account or has closed one in the past 90 days. Sole proprietors qualify, and no LLC is required.