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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 first started operating in 1986 with headquarters located in Dallas, Texas. It has assets of $440 million and $339 million in deposits, ranking it as a medium-size bank. United Texas Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. On the whole, United Texas Bank is a great choice and should warrant serious consideration, with a score of 4.2 stars out of 5 from the SmartAsset experts. United Texas Bank has the complete package of product offerings, which include 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 interested in stress-free personal checking, United Texas Bank offers an option without a monthly fee. Banks that offer free checking and a high interest rate savings account are your best option for gaining the highest 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 features a savings rate of 0.25%, which is fair as compared against the national average. Its 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 below average savings rate, you should think about looking elsewhere 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

On average, United Texas Bank charges its customers extremely low fees in comparison to the average U.S. bank. With no monthly fee, United Texas Bank is ideal for those who want a simple checking account. United Texas Bank refunds their out-of-network ATM fees (with conditions), which gives easy access to cash at any time.

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. With mobile and web apps, United Texas Bank makes mobile banking convenient, even on the go. You can utilize United Texas Bank's mobile app to control your funds by reviewing current statements, transferring money and reaching customer service. United Texas Bank gets a superb consumer satisfaction score based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

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 and handles $440 million in assets and $339 million in deposits. United Texas Bank's Texas Ratio is 0.00%, signifying a low probability of failure. 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 think about taking a look elsewhere 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 in comparison to the national average.

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Find a United Texas Bank Near Me

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

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