The Nation's Leading Bank For Self-Directed 401Ks and Checkbook Control IRAs

Titan Bank has the expertise, tools, and non-recourse loan options you need for self-directed retirement accounts.

Open your account today
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Full Feature Online Banking for Your Retirement Accounts, Available 24/7

Save money on the features you use most.*

Free Inbound/Outbound ACH
Free Mobile Check Deposit
Free Nationwide Withdrawals at more than 37,000 Moneypass ATMs
Free Quickbooks Integration
Free Debit Cards
Free Initial Business Checks
Incredible Live Customer Support

When you call Titan, you talk with a live banker who is fully empowered to resolve your issues and answer your questions. We can even video chat if you prefer!

Online Wires and ACH

Send Wires and free ACH payments, all from your online portal. You can even require multiple users to approve wires before sending them out.

Same Day Account Setup

We open accounts for customers in all 50 States online, with no opening fees. Most accounts are opened the same day you apply.

Non-Recourse Loans

Titan Bank is one of the few banks in the country that makes non-loans to self-directed plans. Our rates are highly competitive and we approve loans fast.

True Multi-User Banking

Set up unlimited users on your account. You can manage permissions like specifying who has access to transact versus read-only access.

View Multiple Companies From a Single Loan

With Titan Bank you can easily add accounts for subsidiaries and affiliates entities, and view them all from one screen

Order Cashiers Checks Online

If you need a cashiers check, Titan Bank can overnight them for you to any location in the country. Our online system makes this quick and easy.

Get your self-directed retirement accounts and all the benefits that come with being a Titan Bank customer.

Apply Now

Our Pricing Keeps More Retirement Funds In Your Pocket

We have no charge for the features that other banks nickel and dime you over.*

Minimum opening balance: $0
Debit card fee: Free
Monthly fee: Free with combined balances of $500 or more*
ATM withdrawals: Free at more than 37,000 Moneypass ATMs
Sending or receiving ACHs: Free
Check Deposits: Free
Quickbooks Export: Free
Initial Checks: Free
Apply Now

In Business for 114 Years, Titan Bank Has Stood the Test of Time

Put your mind at ease with our FDIC security and industry recognition.

We’re not some new fly by night technology startup. Titan Bank is a FDIC insured national bank that has been serving customers since 1907. We focus on customer service and our bankers work hard to assist you when needed. Trust your funds to a highly regulated financial institution that innovates to provide you the experience and products you need.

A+ rating from the
Better Business Bureau

5 Star rating from Baur Financial

Deposit Accounts Icon

A+ rating Depositaccounts.com

Member FDIC

Option for automatic
roll-over if you desire

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testimonials icon

It's refreshing to have a bank that's truly expert is Solo 401K's. Titan Bank's team is very familiar my retirement account structure, so I don't have to waste time explaining it to them on the phone. I rarely need customer support, but I love that whenever I call your self-directed hotline I get a live banker on the phone who can help me.

— Tim Syrell, Insurance Agent & Senior Financial Advisor
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Setting up my solo 401(k) at Titan Bank was fast and easy. They had a whole application portal for setting up a solo 401(k) account, which made it very smooth. It was set up within 48 hours, and staff were very responsive over email. I had tried to set up a solo 401(k) at several institutions before I found out about Titan Bank, and the experience was refreshing after all the trouble I went through before.

— Olivia Williams
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I set up my Self Directed IRA to invest in real estate, but I also wanted a non-recourse loan as part of my transaction.  Titan is one of the countries only lenders who will make these loans.  My application process with Titan was very smooth and I was able to close on my purchase transaction on time with their assistance.

— Vanessa T, IRA Investor
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Thank you Titan Bank! My experience has been just what I wanted in an online bank. Opening and procuring my online accounts, making the process fast and easily accessible.

— Todd Gaston
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Titan Bank's customer service has been fantastic to work with. They were very helpful on
assisting me with my account setup and I can always get a live person on the phone whenever I
need help. Working with Titan has been far more convenient than going to a traditional branch.

— Vincent Ferrari, Ferrari’s Pizza

“The Titan Team closed my loan in 14 working days from loan approval! I opened my store on time due to Titan Bank driving the entire process. Titan Bank did what it took to close my deal. I look forward to working with Titan Bank again for location number four.”


Terry Hamilton, Chicken Express Franchise, Kerrville, TX

"Your communication and constant updates were very much appreciated and your knowledge of SBA financing helped to keep us on track. Titan Bank and their SBA group are a winning combination. Keep up the good work!

Vince Meige, Locations Realty, Murphy, Texas

"I would recommend the Titan Bank Team to anyone wanting to get a loan. They were great to work with and helped me expedite my partner buyout in a quick and efficient way. I would do business with Titan Bank again in the future ‘in a second’. I am glad I went with Titan Bank"

Ron Russek, President, Heaven Sent Pizza, Cleburn, TX

“The Titan Team closed my loan in 14 working days from loan approval! I opened my store on time due to Titan Bank driving the entire process. Titan Bank did what it took to close my deal. I look forward to working with Titan Bank again for location number four.”


Vince Meige, Locations Realty, Murphy, Texas

“The Titan Team closed my loan in 14 working days from loan approval! I opened my store on time due to Titan Bank driving the entire process. Titan Bank did what it took to close my deal. I look forward to working with Titan Bank again for location number four.”


Terry Hamilton, Chicken Express Franchise, Kerrville, TX

"Your communication and constant updates were very much appreciated and your knowledge of SBA financing helped to keep us on track. Titan Bank and their SBA group are a winning combination. Keep up the good work!

Vince Meige, Locations Realty, Murphy, Texas

“The Titan Team closed my loan in 14 working days from loan approval! I opened my store on time due to Titan Bank driving the entire process. Titan Bank did what it took to close my deal. I look forward to working with Titan Bank again for location number four.”


Terry Hamilton, Chicken Express Franchise, Kerrville, TX

"Your communication and constant updates were very much appreciated and your knowledge of SBA financing helped to keep us on track. Titan Bank and their SBA group are a winning combination. Keep up the good work!"

Vince Meige, Locations Realty, Murphy, Texas

"I would recommend the Titan Bank Team to anyone wanting to get a loan. They were great to work with and helped me expedite my partner buyout in a quick and efficient way. I would do business with Titan Bank again in the future ‘in a second’. I am glad I went with Titan Bank"

Ron Russek, President, Heaven Sent Pizza, Cleburn, TX

“The Titan Team closed my loan in 14 working days from loan approval! I opened my store on time due to Titan Bank driving the entire process. Titan Bank did what it took to close my deal. I look forward to working with Titan Bank again for location number four.”


Terry Hamilton, Chicken Express Franchise, Kerrville, TX

"Your communication and constant updates were very much appreciated and your knowledge of SBA financing helped to keep us on track. Titan Bank and their SBA group are a winning combination. Keep up the good work!"

Vince Meige, Locations Realty, Murphy, Texas

"I would recommend the Titan Bank Team to anyone wanting to get a loan. They were great to work with and helped me expedite my partner buyout in a quick and efficient way. I would do business with Titan Bank again in the future ‘in a second’. I am glad I went with Titan Bank"

Ron Russek, President, Heaven Sent Pizza, Cleburn, TX

Apply Today to Setup Your Deposit Accounts

As one of the only banks in the country that specializes in self-directed plans, Titan Bank is here for you.

Frequently Asked Questions

Why would I choose a bank without a branch nearby me?

The majority of Titan Bank’s deposit customers never visit our Texas branch. Our online system supports anything you can do in a traditional branch, but is much faster and more convenient to use. Instead of acquiring buildings, we spend our resources on great technology and highly proficient bankers who can quickly assist you with your needs.

Can you setup my 401K retirement plan?

Titan Bank only provides deposit accounts and loans to Self Directed IRA and Solo 401K plans.  We do not setup the plans ourselves. There are many qualified advisors you can work with to setup your retirement plan.

How long does it take to open an account?

After completing our online setup application, most customer receive an account number within 24 hours and have their online banking credential within 48 hours.

How do I know my funds are safe with Titan?

Titan Bank is a National Bank regulated by the Office of the Comptroller of the Currency and our holding company is regulated by the Federal Reserve. Titan deposit accounts are FDIC insured.  For 114 year we have protected customers funds throughout two world wars, the great depression, the 2008 financial crisis, and more.  When you Bank with Titan, you are banking with an institution that has proven safety and soundness.

Where is Titan Bank located?

Our main branch is in Mineral Wells, TX and our largest office with the majority of our staff is in Dallas, TX.  Most of our customers never visit a Branch as we provide several convenient ways to deposit funds. You can wire or ACH to your Titan account, deposit checks with our mobile deposit app, or even mail checks to our main branch for deposit.

How do I deposit funds to my Titan account?

We provide several convenient ways to deposit funds.  You can wire or ACH to your Titan account, deposit checks with our mobile deposit app, or even mail checks to our main branch for deposit.

Can I send wires from my online account?

Unlike many banks, we allow you to send both wires and ACH online. You can even setup wires and ACH so that multiple users are required to approve your outbound payments before they are sent. Contact us if you’d like to enable that feature.

Can I provide my accountant with "read-only" access to online banking?

Absolutely, contact our office and we can assist with this. Many people use Titan Bank so that their accountant can have access to information, without being able to conduct transactions.

Can I download my files in Quickbooks format?

We fully support receiving your file in Quickbooks format. We also allow you to create custom reports in other formats.

Where can I use my ATM card for free?

We support free ATM use at more than 60,000 MoneyPass ATMs. For a full list of these please visit https://www.moneypass.com/atm-locator.html