Personal Checking Account
BECOMING A FROST CUSTOMER IS EASY. FIND OUT HOW TO OPEN AN ACCOUNT
THE ACCESS AND EXPERIENCE YOU DESERVE
We offer a combination of convenience, technology and service that the big banks can't touch.
3rd Largest ATM Network
3RD LARGEST
ATM NETWORK
Top-Rated Mobile Apps
TOP-RATED
MOBILE APPS
Industry-Leading Mobile Check Deposit
INDUSTRY-LEADING
MOBILE CHECK DEPOSIT
We Answer Our Phones
WE ANSWER
OUR PHONES
Find a Frost Location Near You:

LOCATIONS ACROSS TEXAS

Free access to 110+ Frost financial centers and 1,100+ ATMs statewide, including participating H-E-B® and Valero® Corner Store locations. Enter a city under the map to see locations.

ATMs ATMs Financial Centers Financial Centers

App for iPhone

FROST APP FOR iPhone® & ANDROID™ DEVICES

It's everything you'll love about banking with Frost right in the palm of your hand. Experience our unique design and innovative features for yourself.

Watch App for iPhone® Video
Watch App for Android™ Devices Video
Download app from the apple store
Download app from the Google Play Store
LEARN MORE ABOUT OUR
ONLINE & MOBILE BANKING
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FROST APP FOR iPhone®

There's no other app like it, with innovative features, intuitive design and a mobile banking experience that could only come from Frost.

Download app from the apple store
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FROST APP FOR ANDROID™ DEVICES

There's no other app like it, with innovative features, intuitive design and a mobile banking experience that could only come from Frost.

Download app from the Google Play Store

MOBILE CHECK DEPOSIT

Other banks have mobile check deposit, but the Frost app lets you deposit up to $25,000 daily. And if you make your deposit before 9pm, your funds will almost always be available the next day.

"Opened an account as a new Frost customer over the weekend. Made my first phone call this morning and was answered by an actual live human being! That is awesome!"
Daniel T.

TALK TO A REAL PERSON

When you call, we answer right here in Texas. Sound too good to be true?

GIVE IT A TRY AT 1-800-513-7678.

GET MORE AND PAY LESS
Price is important to you, so we built our account to be an outstanding value compared to the big banks' options.
Frost Personal AccountBank of America
My Access Checking
Chase
Total Checking
Wells Fargo
Value Checking
MONTHLY SERVICE CHARGE:
with service charge$5$12$12$9
HOW TO AVOID MONTHLY SERVICE CHARGE:
direct deposit$100 monthly$250 monthly$500 monthly$500 monthly
minimum daily balance$1,000$1,500 average$1,500$1,500
combined avg daily deposit balance$2,500
(Checking, Savings, Money Market Account, CD, IRA)
N/A$5,000 (Checking, Savings, Money Market Account, Wealth Mgt, Prepaid Debit Card, CD, IRA)N/A
TOP ACCOUNT FEATURES:
App for iPhone®4.5 Stars3.5 Stars3.5 Stars3 Stars
App for Android Devices4.6 Stars4.2 Stars4.3 Stars4.3 Stars
mobile check deposit $ amount limitsUp To $25,000 daily$1,000 monthly (1st 3 months), $8,000 monthly (after 3 months)$2,000 daily, $5,000 every 30 days$2,500 daily, $5,000 every 30 days
day 1 access to mobile check depositYesNoNoNo
out of network ATM fee$1.50$2.50$2$2.50
who answers your phone call?Real person answers
phone right here in Texas.
Automated directory treeAutomated directory treeAutomated directory tree
overdraft protection transfer feeFREE
(Checking, Savings, Money Market Account, Line of Credit)
$10 (Checking, Savings, Money Market Account, HELOC, CC)$10 (Savings, Money Market Account, Line of Credit, CC)$12.50 (Savings, Money Market Account, Line of Credit, CC: <$50 =$12.50/$50 or greater = $20)