When it comes to Frost Online and Mobile Banking, getting support is easy. Contact a Frost Internet Banking Specialist directly, request a call or email from Frost, or search our frequently asked questions to find answers to your questions.

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Internet and Mobile Banking
Call (877) 714-4932 to speak with a Technical Support specialist.

We are available to assist you 24 hours a day, seven days a week.


Spanish-Speaking Bankers
Call (800) 513-7678 to speak with a Spanish-speaking Frost Representative or to find one at a location near you.

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Frost App for iPhone®

Explore the features of the Frost App for iPhone


How do I get started?
Be sure you are a registered My Frost Online Banking user. Visit frostbank.com from your computer and be sure to have your Frost ATM & Visa Checkcard number and PIN ready.
Who can use the Frost App for iPhone?
Anyone who has registered for My Frost Online Banking may use the App. Not yet registered for My Frost Online Banking? Visit frostbank.com from your computer and be sure to have your Frost ATM & Visa Checkcard number and PIN ready. Sign up for free.
When can I use the Frost App for iPhone?
You can use the Frost App for iPhone any time you please once it is installed on your phone.
How much does the Frost App for iPhone cost?
Downloading the Frost App for iPhone is free for Frost customers enrolled in My Frost Online Banking. Contact your mobile carrier for any charges that may apply to web browser usage on your device.
What are the device requirements for the Frost App for iPhone versions 1.0, 1.1.0 and 1.1.1?
The Frost App for iPhone versions 1.0, 1.1.0 and 1.1.1 are compatible with iPhone 4 and 5, iPod Touch, and iPad. It requires iOS 5.0 or later. Wireless carrier fees may apply. Check your wireless carrier agreement for details.
If you haven’t already done so, we encourage you to update your Frost iPhone app to version 1.1.1. The app update is available for download in the Apple iTunes Store. This update is important to ensure you continue to experience the best level of functionality on your Frost App, including upgrades that allow for an easy transition to Apple's upcoming new software, iOS7.
If you have any questions about updating your app, please feel free to call us at 877-714-4932 or stop by your nearest Frost Financial Center.
The Frost App for iPhone version 2.0 is compatible with iPhone 4 and 5, iPod Touch, and iPad. It requires iOS6 or later. Wireless carrier fees may apply. Check your wireless carrier agreement for details.
Is my information safe if my phone is lost or stolen?
Yes. The four-digit login is ultra secure and only works with your device. If your phone is lost or stolen, you can disable the App by calling Frost or going in to My Frost. To ensure the security of your accounts, do not store your four-digit PIN on your phone.
Is the App covered by the same security guarantee for unauthorized use as My Frost Online Banking?
Yes, you will not be liable for unauthorized charges on your account, when reported to Frost within 60 days after the statement showing the transaction has been mailed to you. See the My Frost Online Banking Agreement for complete details.
Can an App session time out?
Yes. For security purposes, your Frost App for iPhone session will time out after three minutes of inactivity. If your session times out, you will be redirected back to the secure Login screen.
What happens if I forget my four-digit PIN?
Your four-digit PIN can be reset from the keyboard on the secure login screen. This takes you back through the registration process. You can also reset your PIN in “Settings” once you have logged into the App and entered your current PIN number. Your will then be prompted to enter a new PIN number.
If I have multiple My Frost User IDs, can I connect them to the Frost App for iPhone?
Yes, you can now log in on your device using multiple user IDs. You can add up to five secondary My Frost IDs for a total of six profiles on your device. To add profiles to your mobile app, download the latest update to the app (version 2.1 or later in the Apple App Store). Then login to the mobile app using your primary login ID, select the option “Add User Profile” and follow the prompts to create a nickname and security code for each additional profile.
How can I manage my mobile app devices?
You can manage your mobile app devices, including editing a profile nickname or deleting a device or secondary profile in My Frost under “Account Services/Manage Mobile App Devices.” You can also call Internet Banking at 1-877-714-4932 to delete a device or profile, if needed for a lost/stolen device. Internet Banking is available to assist you 24 hours a day, seven days a week.
Can I use both the Frost app for iOS and for Android?
Yes, provided that you have an iOS and Android device that meets the device requirements for the app.
How is the Frost App for iPhone different from the Frost App for Android™ Devices?
The Frost App for iPhone and the Frost App for Android Devices have the same features and functionality.

Frost App for Android™ Devices

Explore the features of the Frost App for Android™ Devices


How do I get started?
Be sure you are a registered My Frost Online Banking user. Visit frostbank.com from your computer and be sure to have your Frost ATM & Visa Checkcard number and PIN ready.
Who can use the Frost App for Android Devices?
Anyone who has registered for My Frost Online Banking may use the App. Not yet registered for My Frost Online Banking? Visit frostbank.com from your computer and be sure to have your Frost ATM & Visa Checkcard number and PIN ready.
When can I use the Frost App for Android Devices?
You can use the Frost App for Android Devices any time you please once it is installed on your phone.
How much does the Frost App for Android Devices cost?
Downloading the Frost App for Android Devices is free for Frost customers enrolled in My Frost Online Banking. Contact your mobile carrier for any charges that may apply to data usage on your device.
Where can I get the Frost App for Android Devices?
You can download the Frost App for Android Devices in the Google Play Store.
What are the device requirements for the Frost App for Android Devices?
The Frost App for Android Devices requires 4.0 or later (Ice Cream Sandwich 4.0, Jelly Bean 4.1-4.3). Wireless carrier fees may apply. Check your wireless carrier agreement for details.
Why isn't the Frost App for Android Devices supported on older Android operating systems?
The Frost App for Android Devices is not supported on Gingerbread 2.3. The gingerbread operating system is an older operating system and it did not allow us to bring the quality and breadth of features we wanted to offer in the app.
Why won’t the Frost App for Android Devices work on Android tablets?
The Frost App for Android Devices will work on Android tablets, but it is not optimized for these devices. So some images/features may appear somewhat distorted.
How is the Frost App for Android Devices different from the Frost App for iPhone®?
The Frost App for Android Devices and the Frost App for iPhone have the same features and functionality.
Is my information safe if my phone is lost or stolen?
Yes. The four-digit login is ultra secure and only works with your device. If your phone is lost or stolen, you can disable the App by calling Frost or going in to My Frost. In My Frost, go to the "Account Services" tab and look for "Manage Mobile Devices" to disable the App. To ensure the security of your accounts, do not store your four-digit PIN on your phone.
Is the Frost App for Android Devices covered by the same security guarantee for unauthorized use as My Frost Online Banking?
Yes, you will not be liable for unauthorized charges on your account, when reported to Frost within 60 days after the statement showing the transaction has been mailed to you. See the My Frost Online Banking Agreement for complete details.
Can an App session time out?
Yes. For security purposes, your Frost App for Android Devices session will time out after three minutes of inactivity. If your session times out, you will be redirected back to the secure Login screen.
What happens if I forget my four-digit PIN?
Your four-digit PIN can be reset from the keyboard on the secure Login screen. This take you back through the registration process.
You can also reset your PIN in “Settings” once you have logged into the App and entered your current PIN number. Your will then be prompted to enter a new PIN number.
If I have multiple My Frost User IDs, can I connect them to the Frost App for Android Devices?
Yes, you can now log in on your device using multiple user IDs. You can add up to five secondary My Frost IDs for a total of six profiles on your device. To add profiles to your mobile app, download the latest update to the app (version 1.1 or later in the Google Play Store). Then login to the mobile app using your primary login ID, select the option “Add User Profile” and follow the prompts to create a nickname and security code for each additional profile.
How can I manage my mobile app devices?
You can manage your mobile app devices, including editing a profile nickname or deleting a device or secondary profile in My Frost under “Account Services/Manage Mobile App Devices.” You can also call Internet Banking at 1-877-714-4932 to delete a device or profile, if needed for a lost/stolen device. Internet Banking is available to assist you 24 hours a day, seven days a week.

Desktop & Tablet

Learn more about Desktop & Tablet features


How do I get started using My Frost Online Banking?
To register for My Frost Online Banking, visit frostbank.com from your computer. Be sure to have your Frost ATM & Visa Checkcard number and PIN ready.
How much does it cost to use My Frost Online Banking?
My Frost Online Banking is a free service for Frost customers. Contact your mobile carrier for any charges that may apply to data usage on your device.
What happens if I forget my User ID and/or Password?
Please call us at 1-877-714-4932 for User ID and Password assistance or simply click the “Login Help” link at the top of the frostbank.com home page.
Is My Frost Online Banking secure?
With the My Frost Security Profile, you can be confident that you’re My Frost experience is private and that your online transactions are safe. We ask all our My Frost Online Banking customers to set up a Security Profile, which is added security to help protect your account information. The Security Profile includes a unique picture and phrase to help you recognize frostbank.com as an official site.
Does Frost offer a security guarantee for unauthorized online banking usage?
Yes. You will not be liable for unauthorized charges on your account, when reported to Frost within 60 days after the statement showing the transaction has been mailed to you. Refer to the My Frost Online Banking Agreement and Disclosure for complete details.
Besides online banking, what else can I do when I log into My Frost?
When you log into My Frost, you can:
  • Order checks
  • Place stop payment
  • Report a lost or stolen card
  • Replace a card
  • Change the PIN on your card
  • Add accounts to your card for ATM access
  • Change your card overdraft coverage
  • Manage your statement delivery options
  • Manager your email alerts
  • Manage your text banking preferences
  • Edit your contact information
  • Update your security profile
  • Customize your display
Where can I find Frost’s privacy statements?
Read Frost’s privacy statements here or find them by going to frostbank.com from your computer, clicking on the “Help & Support” link located at the top of the homepage, and selecting the “Customer Privacy Statement” or “Business Confidentiality Statement” link.
How does Frost Digital Deposits work?
With Frost Digital Deposits, you can deposit checks online from your home by using a scanner. The Frost Digital Deposits business day doesn’t end until 9 p.m., so you have a longer window to deposit your checks, giving you quicker access to your money—deposits made before 9 p.m. are processed the same day and funds are typically available the next business day..
How do I get started using Frost Digital Deposits?
You won’t need any additional software to use Frost Digital Deposits and we will prompt you to install an add-on to your browser, but it will only take a moment.
Step 1:
Log into your my Frost account and click “Make a Deposit.”
Step 2:
Select the account to deposit funds into.
Step 3:
Enter the check amount and click “Next.”
Step 4:
Sign and scan the front and bank of your checks.
Step 5:
Verify that all the information scanned correctly and that the amount shown matches the amounts on the checks and click “Submit.”
What are the system and equipment requirements for using Frost Digital Deposits?
The Frost Digital Deposits service is compatible with the following:
  • Mac - Snow Leopard, Lion and Mountain Lion operating systems, with the latest Safari browser
  • Windows - XP, Vista, and 7 operating systems with the latest versions of Internet Explorer (32-bit only) and Firefox
  • Scanner must be non-wireless and TWAIN compliant
How much does the Frost Digital Deposit service cost?
Frost Digital Deposit is free for My Frost customers with only personal accounts. For our business customers, Frost understands that every business is different, so we offer different solutions to match different needs. Learn more about Frost Business digital deposit fees.
When can I make deposits with Frost Digital Deposits?
You can submit deposits online anytime. Deposits made before 9 p.m. will be credited to your account the same day and your funds will generally be available the next business day.
What kind of deposits can I make with the Frost Digital Deposit service?
Frost Digital Deposits works with all sorts of deposits, including:
  • U.S. checks
  • Money orders
  • Traveler’s checks
  • Cashier’s checks
  • U.S. Treasury checks
U.S. Savings Bonds, cash and items drawn on foreign institutions (including Canadian items) can easily be deposited at a Frost financial center.
What kind of scanner do I need?
Any scanner or multi-function printer that uses the industry standard TWAIN software will work with our system.
How do I prepare by checks for Frost Digital Deposits?
Just sign the back like you normally would, and be sure to add the account number for the account you’re depositing into and the phrase “For Deposit Only.”
What do I do with my checks after depositing?
It’s important that you keep your original checks for a reasonable period of time, but for at least 10 business days. Rarely, you may have to present the original check at a Frost financial center to complete the transaction or for other reasons. You are responsible for keeping all original checks. After the reasonable period of time, you are also responsible for destroying the original checks.

Learn more about Frost digital deposits

Mobile Web

Learn more about Mobile Web

Download our Mobile Web User Guide


How do I get started using Frost Mobile?
With our mobile web service, you don’t have to download a thing. You simply need to be a current My Frost user with a mobile device that has web access. But don’t worry if you aren’t registered for My Frost Online Banking, doing so is simple.
To register for My Frost Online Banking, visit frostbank.com from your computer. Be sure to have your Frost ATM & Visa Checkcard number and PIN ready.
Who can use Frost Mobile?
Anyone who has registered for My Frost Online Banking may use this service. If you have not yet registered for My Frost Online Banking, go to frostbank.com from your computer and sign up for free.
How much does it cost to use Frost Mobile?
Frost Mobile is a free service for Frost customers enrolled in My Frost Online Banking. Contact your mobile carrier for any charges that may apply to data usage on your device.
Will Frost Mobile work on my mobile device?
The Frost Mobile service will work on most devices with Internet access. Your mobile device must support WAP (Wireless Application Protocol) 2.0, the international standard for applications using wireless communication.
Does Frost Mobile work in other languages?
This service is currently only available in English.
What User ID and Password do I use for Frost Mobile?
To access Frost Mobile, you will use your My Frost Online Banking ID and Password.
What happens if I forget my User ID and/or Password?
Please call us at 1-877-714-4932 for User ID and Password assistance.
Is Frost Mobile covered by the same security guarantee for unauthorized use as My Frost Online Banking?
Yes. You will not be liable for unauthorized charges on your account, when reported to Frost within 60 days after the statement showing the transaction has been mailed to you. You can refer to the My Frost Online Banking Agreement on frostbank.com from your computer for complete details.
How do I know Frost Mobile Transactions are secure?
Frost Mobile uses 128-bit SSL encryption to safeguard your information as it travels from your mobile device to Frost. To access your accounts through Frost Mobile, you will be required to log in using your my Frost Online Banking User ID and Password.
Is my information safe if my mobile device is lost or stolen?
Yes. Only partial account numbers are displayed, so your information is secure even if your mobile device is lost or stolen. To ensure the security or your accounts do not store your User ID and Password on your mobile device.
Can a Frost Mobile session time out?
Yes. For security purposes, your Frost Mobile browser session will time out after 10 minutes of inactivity.
What should I do if the pages are not loading correctly on my mobile device?
On rare occasions, some users may experience issues viewing text and graphics. If this happens, try clearing out the Internet cache on your mobile device. Refer to your device’s manual or check with your mobile carrier for more information on how to do this. Then turn your device off and then on again. If the problem persists, call us at 1-877-714-4932 and we will help you optimize your web browser.
Where can I find Frost’s privacy statements?
Read Frost’s privacy statements here or find them by going to frostbank.com from your computer, clicking on the “Help & Support” link located at the top of the homepage, and selecting the “Customer Privacy Statement” or “Business Confidentiality Statement” link.

Frost Text Banking

Learn more about Frost Text Banking

Download our Text Banking Quick Reference Guide


What is Frost Text Banking?
With Frost Text Banking, you can check your account balances, review account activity, transfer funds and pay your bills by sending Frost Text Commands to the five-digit short code FROST (37678) on your mobile phone. Learn more about Frost text banking
How does Frost Text Banking work?
With the Frost Text Banking service, you don’t have to download a thing. You simply need to activate the service, and then send text commands to 37678 (FROST). It’s that easy.
What do I need to start using Frost Text Banking?
If you are a My Frost Online Banking customer and have a mobile phone with a text messaging plan, you can start using Frost Text Banking.
To activate your Frost text banking service, log in to My Frost and select the Text Messaging link in the left navigation. Then follow the quick, easy steps to activate your service.
What accounts can I access through Frost Text Banking?
Frost Text Banking provides access to the accounts you can view in My Frost, including checking, savings and Money Market accounts, CDs, CD IRAs, loans, and lines of credit. When you activate the service, you select the accounts you would like to access through Frost text banking.
Will Frost Text Banking work on my mobile phone?
Yes, as long as you have a text messaging plan with your mobile carrier. If you encounter problems, contact your carrier and ask if they support the 5-digit U.S. short code FROST (37678). Charges from your mobile carrier for text messages will apply.
What are Frost Text Commands?
Frost Text Commands are short names indicating a particular banking function. For example: Text bal to 37678 or FROST and you will receive the balance of your primary account in a text message on your mobile phone.
Are Frost Text Commands and Text Banking Nicknames case-sensitive?
No, the nicknames and text commands for Frost Text Banking service are not case-sensitive. Whether you use upper or lower-case letters, the nicknames and text commands you enter will be recognized
How long does it take to get a text response from FROST?
You should receive a text response from Frost within seconds of your request. Exact timing depends on your mobile phone provider.
Is Frost Text Banking safe?
Yes, Frost Text Banking is safe. Frost will not send confidential, identifying information through text messages. Confidential information is never transmitted over an insecure link and nothing confidential is stored on the mobile phone.
Will Frost Text Banking work on pre-paid mobile phone plans?
Frost Text Banking works on pre-paid mobile phone plans, but we cannot guarantee that your carrier supports text messages to the five-digit U.S. short code FROST (37678). Check your phone carrier plan to determine the charges for sending and receiving text messages. You will be subject to your carrier's charges as outlined in your agreement or contract.
Will Frost send me unsolicited text messages?
Frost will only send text messages you request through Frost Text Banking service or My Frost. For more information, view My Frost Online Banking Agreements and Disclosures.
Can I register more than one mobile phone with Frost text banking?
You can register only one mobile phone per My Frost User ID and password with Frost text banking.
Can I activate an international mobile phone number for Frost Text Banking?
No, at this time an international mobile phone number cannot be activated for Frost Text Banking. We are currently working on a solution and will hopefully have this capability available in the near future.
What is a validation code?
A validation code is a one-time code you receive in a text message from FROST (37678). This code helps ensure you are the owner of the mobile phone number used to activate Frost text banking.
What should I do if I do not receive my validation code from FROST?
If you have not received a validation code within 10 minutes, select BACK and re-enter your mobile phone number. A validation code will be sent within seconds. Only one validation code can be sent within a 10-minute div. For additional help, call an Internet Banking Specialist at 1-877-714-4932.
Why do I need to create nicknames for my accounts?
Nicknames are easier to read and enter on your mobile phone. They also help protect your account information: Frost will display your nickname instead of your account name or number on your mobile phone. Each nickname must be unique, can contain up to six characters with no spaces or special characters, and should help you recognize the account (i.e. CHK1 = Checking account).
What is a primary account?
For Frost Text Banking, the primary account will be defaulted when an account is not entered in a Frost Text Command. When selecting your primary account, you should choose the account you expect to access most often.
Why do I need to create nicknames for my Bill Pay Payees?
Nicknames are easier to read and enter on your mobile phone. They also protect your payment information: Frost will display your Payee nickname instead of the Payee name or account number on your mobile phone. Each nickname must be unique and can contain up to 12 characters, with no spaces or special characters.
How do I change or edit my Frost Text Banking preferences?
To update your Frost Text Banking preferences, log in to My Frost and select the Text Messaging link. From your Text Banking home page, you can update your mobile phone number, account access, primary account, Bill Pay Payees and mobile nicknames.
Can I temporarily disable my Frost Text Banking service?
To temporarily disable your Frost Text Banking service, call an Internet Banking Specialist at 1-877-714-4932.
How do I cancel my Frost Text Banking service?
To cancel Frost Text Banking, log in to My Frost, select the Text Messaging link and follow the steps to de-activate the service. For additional help, call an Internet Banking Specialist at 1-877-714-4932.