We also considered online banks regarding our top pick for savings accounts. ![]() To determine the best banks in Texas, we reviewed the 10 biggest banks and credit unions in the state, as well as local financial institutions that are recognized as minority depository institutions by the FDIC or NCUA. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account. Bear in mind your money is safe at a federally insured financial institution. Our top picks have bank accounts that are FDIC- or NCUA-insured. Rally Credit Union: Best local institution, tied.Bank of America: Best for opening a checking account.Ally: Best for opening a savings account.These banks have remained our top picks for the last few months because they continue to stand out for their unique accounts and impressive features. We selected Ally, Bank of America, Rally Credit Union, and GECU as the best banks and credit unions in Texas.
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