NOTICE OF AMENDMENT TO THE FROST BANK AGREEMENT AND DISCLOSURE FOR PERSONAL DEBIT CARD, HEALTH SAVINGS ACCOUNT CARD AND ATM CARD

Effective February 1, 2018
Member FDIC

This amendment (the “Amendment”) to Frost Bank’s (the “Bank”) Agreement and Disclosure for Personal Debit Card, Health Savings Account Debit Card and ATM Card (the “Agreement”) is effective February 1, 2018. We urge you to carefully read this Amendment to the Agreements and to retain it for future reference.

(1) Title of Agreement is revised to be “Personal and Health Savings Account Debit Card Agreement and Disclosure”

(2) References to “ATM Card” have been changed to “Debit Card” throughout the Agreement.

(3) Section 3 of the Agreement has been revised to clarify that savings account and money market account transactions may be conducted using a Frost Debit Card. However, account type transfer limitations imposed by Federal Reserve Board Regulation D still apply and the provisions of the Bank’s Deposit Account Agreement govern ramifications of exceeding 6 withdrawals or transfers from these account types in a one month period.

(4) A new Section 21 has been added to disclose Frost’s participation in a service offered by various payment card networks (such as Visa and MasterCard) that allows Frost to update debit card information with participating merchants. The new section provides opt-out instructions in the event you do not want Frost to share your new card information with participating merchants.


Your use of any debit card you may have with Frost Bank after February 1, 2018, constitutes your agreement to all of the changes described above. You can review the updated Agreement by going to frostbank.com, clicking on the Agreements & Disclosures link located at the bottom of the homepage and selecting the “Personal & Health Savings Account Debit Card Agreement and Disclosure Effective February 1, 2018” link. A printed copy of the Agreement is available upon request.


We are here to answer any questions you may have regarding these changes and how they may affect your Frost Debit Card. Please feel free to call us at 1-800-513-7678. As always, thank you for choosing Frost as your banking partner.