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United Texas Bank Review

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United Texas Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


United Texas Bank started in 1986 and is headquartered in Dallas, Texas. United Texas Bank handles assets of $440 million along with $339 million in deposits, making it a medium-size bank. United Texas Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. We gave United Texas Bank a 4.2 stars out of 5, suggesting it is a great choice and should warrant serious consideration. United Texas Bank offers a full selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, United Texas Bank's standard checking account does not have a monthly fee. Banks that offer no-fee checking as well as a high interest rate savings account are your best option for getting the most income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

United Texas Bank has a savings rate of 0.25%, which is poor compared to other U.S. banks. United Texas Bank's one-year CD has a rate of 2.60%, while its highest-yielding money market account earns at a rate of 1.25%. Given its noncompetitive savings rate, you should think about looking at the competition to open savings accounts.

How United Texas Bank's Savings Rates Compare

United Texas Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

United Texas Bank typically has extremely low fees in comparison to the average U.S. bank. With no monthly fee, United Texas Bank is perfect for those who want a simple banking experience. United Texas Bank refunds their out-of-network ATM charges (with conditions), making finding an ATM a free and straightforward process.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

United Texas Bank is a brick-and-mortar bank, with two total branches in Texas. It also offers access to mobile and web apps for a straightforward mobile-banking experience. United Texas Bank's mobile app lets you control your finances by reviewing account balances, transferring funds as well as reaching support representatives. United Texas Bank receives an exceptional consumer satisfaction rating due to comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

United Texas Bank is a medium-size bank owning assets totaling $440 million as well as $339 million in deposits. United Texas Bank's Texas Ratio is 0.00%, signifying that the bank is in outstanding financial well-being and unlikely to fail. Additionally, United Texas Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare United Texas Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $500
Checking Account 0.1% APY $1000
Certificates of Deposit
  • 12 Month: 2.60% APY
  • 24 Month: 1.95% APY
  • 36 Month: 2.80% APY
  • 48 Month: 1.75% APY
$1000 for all terms
Money Market Account 1.25% APY $1

United Texas Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. United Texas Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. United Texas Bank's CD rates are fair compared to other U.S. banks.

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Find a United Texas Bank Near Me

United Texas Bank has two locations in the U.S.

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