Fundability

State Bank Finder

Business credit card banks and credit unions in all 50 states — which bureau each pulls, who underwrites the card, geo-locks, document requirements, and how to apply. Bureau attribution can vary; confirm before applying.

Bureau
47 banks
Texas banks w/ biz cards
47
Pull Experian
7
Pull Equifax
6
Pull TransUnion
12
No-doc
21
24 bureau unknown
Bank of Texas
Elan FinancialNo docApply online
TransUnion
Smart Financial Credit Union
Card AssetsNo docOnline — business checking required
Equifax
Wells Fargo
In-houseNo docApply onlineGeo-locked
Experian
Chase Bank
In-houseNo docApply online
ExperianTransUnion
Bank of America
In-houseNo docApply online
TransUnionEquifax
PNC Bank
In-houseNo docApply online
Experian
Prosperity Bank
Call bank to confirm
Bureau unknown
First Convenience Bank
Elan FinancialNo docApply online
TransUnion
Woodforest National Bank
In-houseLow doc (bank statements)Online — business checking requiredGeo-locked
Equifax
Frost Bank
Commerce BankNo docApply onlineGeo-locked
Equifax
IBC Bank
FNBONo docApply online
Experian
Comerica Bank
In branch only Call bank to confirm
Bureau unknown
Truist
In-houseNo docApply onlineGeo-locked
Equifax
Regions
In-houseNo docApply onlineGeo-locked
TransUnion
Cadence Bank
Call bank to confirm
Bureau unknown
First Financial Bank
Elan FinancialNo docApply online
TransUnion
Amegy Bank
Apply online
Bureau unknown
Happy State Bank
Call bank to confirm
Bureau unknown
Independent Bank
Call bank to confirm
Bureau unknown
PlainsCapital Bank
Elan FinancialNo docApply online
TransUnion
Southside Bank
Elan FinancialNo docApply online
TransUnion
Simmons Bank
Call bank to confirm
Bureau unknown
Stellar Bank
FNBONo docApply online
Experian
VeraBank
Elan FinancialNo docApply online
TransUnion
First United Bank & Trust Company
Call bank to confirm
Bureau unknown
Capital One
Apply online
Bureau unknown
Lone Star National Bank
Elan FinancialNo docApply online
TransUnion
Austin Bank
Call bank to confirm
Equifax
Origin Bank
Call bank to confirm
Bureau unknown
Broadway National Bank
Elan FinancialNo docApply online
TransUnion
Guaranty Bank & Trust
Call bank to confirm
Bureau unknown
American National Bank of Texas
FNBONo doc Call bank to confirm
Experian
Texas Regional Bank
Apply online
Bureau unknown
InterBank
Call bank to confirm
Bureau unknown
Texas First Bank
Call bank to confirm
Bureau unknown
First Bank & Trust
Call bank to confirm
Bureau unknown
Sunflower Bank
Call bank to confirm
Bureau unknown
Vantage Bank Texas
Apply online
Bureau unknown
City Bank
Card AssetsNo docApply online
Experian
Commercial Bank of Texas
Call bank to confirm
Bureau unknown
Pinnacle Bank
Apply online
Bureau unknown
Bank OZK
Call bank to confirm
Bureau unknown
Security State Bank & Trust
In branch only
Bureau unknown
Amarillo National Bank
In branch only Call bank to confirm
Bureau unknown
Texas Bank and Trust
In branch only Call bank to confirm
Bureau unknown
First National Bank Texas
Apply online
Bureau unknown
American Momentum Bank
Elan FinancialNo docApply online
TransUnion

Underwriter families

Many local banks issue the same card program. A denial at one usually repeats at every bank with the same underwriter.

Elan FinancialTransUnion

U.S. Bank's agent-bank card program behind hundreds of local banks. Pulls TransUnion, no documents. Same underwriting as U.S. Bank — one Elan denial usually repeats at every Elan bank, so pick the single best Elan bank.

TCM BankExperian

ICBA agent-bank card program for community banks. Pulls Experian, no documents, apply online.

FNBOExperian

First National Bank of Omaha's agent program (also the Evergreen card). Pulls Experian; soft-pull prequal is often available.

Card AssetsEquifax

Card-program manager for community banks and credit unions. Pulls Equifax, no documents — a useful Equifax lane.

Commerce BankEquifax

Commerce Bank issues cards for partner banks (e.g. Frost). Pulls Equifax.

ServisFirst

Full-doc underwriting: bank statements plus 2+ years of tax returns. Only for clients with documented revenue.

MeridianLink

Loan-origination platform used by credit unions; underwriting is the credit union's own, often full-doc.

In-house

The bank underwrites its own cards. Relationship (checking, deposits) matters most here.

Multi-state banks at a glance

BankBureauUnderwriterGeo-lockedDocsApply
Valley BankTransunionIn-houseYesNo docOnline — business checking required
SynovusEquifaxIn-houseYesNo docIn branch only
Chase BankExperian (and sometimes Transunion)In-houseNoNo docApply online
First Citizen's BankExperianIn-houseYesNo docIn branch only
Fifth Third BankExperianIn-houseYesNo docIn branch only
Citizen's BankExperianIn-houseYesNo docIn branch only
PNC BankExperianIn-houseNoNo docApply online
Bank of AmericaTransunion (and sometimes Equifax)In-houseNoNo docApply online
TruistEquifaxIn-houseYesNo docApply online
Key BankEquifaxIn-houseYesNo docApply online
BMO HarrisTransunionIn-houseYesNo docOnline — business checking required
Wells FargoExperianIn-houseYesNo docApply online
RegionsTransunionIn-houseYesNo docApply online
Woodforest National BankEquifaxIn-houseYesLow doc (bank statements)Online — business checking required
First Horizon BankTransunionIn-houseYesNo docApply online
US BankTransunionIn-houseNoNo docApply online
Associated Bank (Elan FinancialTransunionElan FinancialNoNo docApply online
PeopleSouth Bank (Card AssetsEquifaxCard AssetsNoNo docApply online
Bank of the WestTransunionIn-houseYesNo docApply online
ALL SERVISFIRSTN/AServisFirstNoFull doc (statements + tax returns)Apply online
ANY TCM BANKExperianTCM BankNoNo docApply online
ALL ELAN FINANCIALTransunionElan FinancialNoNo docApply online
ALL NO CARDN/AN/ANo——
ALL CARD ASSETSEquifaxCard AssetsNoNo docApply online

Blocked in Texas

Listed as blocked in the funding playbook — hidden from the results above.

  • • VERITEX COMMUNITY BANK — veritexbank.com
  • • FALCON INTERNATIONAL BANK — falconbank.com