Agreements & Disclosures

Notice of Change in Terms to Deposit Account Agreement, Online Banking and Zelle [View Online]
Deposit Account Agreement and Other Disclosures (effective through October 31, 2019) [View Online] [Download PDF]
Deposit Account Agreement and Other Disclosures (effective beginning November 1, 2019) [View Online]
Online Statement Delivery Agreement and Disclosure [View Online] [Download PDF]
Terms and Conditions of Use [View Online] [Download PDF]
Internet Privacy Disclosure [View Online] [Download PDF]
Online Banking Agreement and Disclosure (effective through November 5, 2019) [View Online]  [Download PDF]
Online Banking Agreement and Disclosure (effective beginning November 6, 2019) [View Online]
Zelle® Terms of Service [View Online]

Personal

Notice of More Ways to Waive Monthly Service Charges [Download PDF]
Notice of Price Adjustments to Personal and Business Accounts [Download PDF]
E-SIGN Disclosure and Agreement [View Online] [Download PDF]
Customer Privacy Statement [View Online] [Download PDF]
Managing Your Finances Responsibly [View Online] [Download PDF]
Personal and Health Savings Account Debit Card Agreement and Disclosure [View Online]
Debit Card Overdraft Coverage
[View Online] [Download PDF]
Verified by Visa Terms of Service [View Online] [Download PDF]
Annual Error Resolution Notice and Frost Debit Card Safety Tips [View Online] [Download PDF]
Foreign Wire Transfers Error Resolution and Cancellation Disclosure [View Online] [Download PDF]

Business

Notice of Price Adjustments to Personal and Business Accounts [Download PDF]
Notice of Price Adjustments to Analyzed Accounts [Download PDF]
Business Confidentiality Statement [View Online] [Download PDF]
FirstPay Guaranteed Payment System Schedule of Fees [View Online] [Download PDF]
LegalEase Schedule of Fees [View Online] [Download PDF]
Business Debit Card Agreement and Disclosure [View Online]
Treasury Management Services Procedures, Terms and Conditions [Download PDF]