Best Banks in Waco, TX

Compare 5 banks companies serving Waco, Texas. Average rating: 4.2/5.

5 Companies 5 Rated Payday: Legal

Texas Lending Regulations

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses Agency: Texas Attorney General Consumer Protection Division

Top-Rated Banks

American Bank, National Association logo

American Bank, National Association

FDIC-insured bank serving the Waco, Texas area since 1952, offering personal banking, business lending, and mortgage services with a focus on face-to-face relationships.

4.2/5
Contact BBB:

Best for: Small to medium-sized business owners in the Waco area seeking relationship-based commercial lending, Waco-area homebuyers and homeowners wanting mortgage lending with local relationship management

Central National Bank logo

Central National Bank

Central National Bank is an independent community bank in Waco offering business and personal banking services including loans, checking accounts, and digital banking solutions.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking construction, real estate, or growth capital loans, Local Waco business community members who prefer working with an independent bank

Community Bank & Trust, Waco, Texas logo

Community Bank & Trust, Waco, Texas

Community Bank & Trust is a family-owned bank in Waco, Texas offering personal and business checking, savings, loans, mortgages, and wealth management services with FDIC insurance.

4.2/5
Contact BBB:

Best for: Waco-area residents seeking personalized relationship banking with local decision-makers, Customers prioritizing wealth management and trust services for estate planning

Fidelity Bank of Texas logo

Fidelity Bank of Texas

Fidelity Bank of Texas is a community bank headquartered in Waco offering checking, savings, money market accounts, and home loans with 24-hour telephone banking and online services.

4.2/5
Contact BBB:

Best for: Waco and central Texas residents seeking community bank relationships with local service, Customers with $10,000+ to deposit seeking tiered interest rate benefits on Advantage Accounts

First National Bank of Central Texas logo

First National Bank of Central Texas

First National Bank of Central Texas is a regional bank offering personal and business checking, savings, lending, and digital banking services with a focus on community-based customer service.

4.2/5
Contact BBB:

Best for: Central Texas residents seeking no-frills personal checking with digital banking capabilities, Small to mid-sized businesses in Central Texas requiring customized lending and banking solutions

All Banks in Waco (5)

American Bank, National Association logo

American Bank, National Association

FDIC-insured bank serving the Waco, Texas area since 1952, offering personal banking, business lending, and mortgage services with a focus on face-to-face relationships.

4.2/5
Contact BBB:

Best for: Small to medium-sized business owners in the Waco area seeking relationship-based commercial lending, Waco-area homebuyers and homeowners wanting mortgage lending with local relationship management

Central National Bank logo

Central National Bank

Central National Bank is an independent community bank in Waco offering business and personal banking services including loans, checking accounts, and digital banking solutions.

4.2/5
Contact BBB:

Best for: Small business owners and entrepreneurs seeking construction, real estate, or growth capital loans, Local Waco business community members who prefer working with an independent bank

Community Bank & Trust, Waco, Texas logo

Community Bank & Trust, Waco, Texas

Community Bank & Trust is a family-owned bank in Waco, Texas offering personal and business checking, savings, loans, mortgages, and wealth management services with FDIC insurance.

4.2/5
Contact BBB:

Best for: Waco-area residents seeking personalized relationship banking with local decision-makers, Customers prioritizing wealth management and trust services for estate planning

Fidelity Bank of Texas logo

Fidelity Bank of Texas

Fidelity Bank of Texas is a community bank headquartered in Waco offering checking, savings, money market accounts, and home loans with 24-hour telephone banking and online services.

4.2/5
Contact BBB:

Best for: Waco and central Texas residents seeking community bank relationships with local service, Customers with $10,000+ to deposit seeking tiered interest rate benefits on Advantage Accounts

First National Bank of Central Texas logo

First National Bank of Central Texas

First National Bank of Central Texas is a regional bank offering personal and business checking, savings, lending, and digital banking services with a focus on community-based customer service.

4.2/5
Contact BBB:

Best for: Central Texas residents seeking no-frills personal checking with digital banking capabilities, Small to mid-sized businesses in Central Texas requiring customized lending and banking solutions