Consumer Loan Rate Discounts Disclosure

Eligibility Requirements

You may qualify for a rate discount between 0.15% and 0.50% on eligible loan products when you have a personal Frost Checking Account and meet discount eligibility criteria at the time your loan is prepared for closing. Frost Bank Progress Loans and some Personal Loans and Lines of Credit do not qualify. Discounts are not cumulative.

Qualifying Accounts

Frost Personal Account:
You may qualify for a loan discount of 0.15% when you have a qualifying Frost Personal Account with a balance of $0.01 or greater, are enrolled in auto debit for your loan payments, and have a credit transaction posted to your Frost Personal Account within the preceding thirty-four (34) days.

Frost Plus Account:
You may qualify for a loan discount of 0.25% when you have a qualifying Frost Plus Account with a minimum combined daily balance of $20,000.00 or greater in qualifying personal deposit accounts and are enrolled in auto debit for your loan payments.

Frost Premium Account:
You may qualify for a loan discount of 0.35% when you have a qualifying Frost Premium Account with a minimum combined daily balance of $250,000.00 or greater in qualifying personal deposit accounts and are enrolled in auto debit for your loan payments. You may qualify for a loan discount of 0.50% when you have a qualifying Frost Premium Account and a combined daily balance of $1,000,000.00 or greater in qualifying personal deposit and investment accounts (including $500,000.00 or greater in qualifying personal deposit accounts), and are enrolled in auto debit for your loan payments.

Qualifying deposit accounts to meet the combined daily balances outlined above include personal checking, savings, money market, CDs, bank IRAs and health savings accounts. Qualifying investment accounts to meet the combined daily balance outlined above include personal brokerage accounts, personal managed accounts, 529 plans and revocable grantor personal trust accounts. Retirement and employee benefit plan investment accounts do not qualify.

Important Information

The criteria described above apply only to borrowers seeking an optional loan discount and are not required to apply for or obtain credit with Frost Bank. Borrowers who do not qualify for or elect to receive a loan discount remain eligible to apply for credit.

Subject to approval. Terms and conditions apply. Subject to change without notice.