A Guide to Your Frost Personal Account

Account Overview
Frost Personal Account

A new standard for what checking should be.

Top-Rated App.
Lower Fees.
Award-Winning Service.
  • A Frost Personal Banker to attend to your financial needs
  • Interest paid monthly if daily balance is $5,000 or greater
  • Unlimited transactions and check writing
  • Online and Mobile Banking*
  • Unlimited online and mobile bill pay *
  • Unlimited online and mobile transfers to other financial institutions*
  • Mobile check deposits *
  • Email alerts
  • Frost Debit Card
  • Online Statement Delivery
  • Access to more than 1,200 ATM locations and more than 130 Frost financial centers
  • Optional overdraft protection from a Frost checking, savings or money market account or a line of credit (subject to credit approval)

* Message and/or data rates may apply.

Account Opening and Monthly Service Fee
Minimum Opening Deposit $25
Pays Interest YES
Monthly Service Charge


For students under age 25 with a valid student ID. At age 25, our standard service charge of $8 will be applied

How to Avoid the Monthly Service Charge

Monthly Service Charge when you have ONE of the following (during each monthly statement period):

  • Direct deposits totaling $100 or more made to this account monthly, such as your paycheck, pension, Social Security, or other regular monthly income.
  • OR a $1,000 minimum daily balance in this account
  • OR $5,000 combined average daily balances of personal deposit accounts, including checking, savings, money market, CDs and IRAs.
  • OR you own a Frost Premium Account

Average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period.

Interest Information

Interest Rate and APY If your daily balance is $5,000 or more, the interest rate paid on the entire collected balance in your account will be 0.05%, with an annual percentage yield of 0.05%. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 03/19/2019.
How the Interest Rate is Calculated We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
How Interest is Compounded Interest will be compounded and credited to the account monthly. If you close your account before the interest is credited, you will receive the accrued interest.
When Interest Begins to Accrue Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Overdraft Protection Plans
Automatically transfer funds to your account from another linked account or a line of credit.

There is no fee to transfer funds from your linked account or from your line of credit. However, interest will be charged on the outstanding balance of your line of credit.

Overdraft Fees
Overdrafts Created by: check, in-person withdrawal, ATM withdrawal or other electronic means

for each item we pay that overdraws your account more than $5, up to a maximum fee of $170 per day

Non-sufficient Funds Fee

per item that we do not pay

Overdraft Protection Transfer Fee, Each Advance from:

• Another
deposit account

• Line of credit
(subject to credit approval)


$0 (interest will apply on the outstanding balance)

Overdraft Options for Customers with Debit Cards

Frost offers a courtesy overdraft program as a way to cover a transaction when you don’t have enough money in your checking account. This is a discretionary service and the bank reserves the right not to pay items against non-sufficient funds, such as when your account is not in good standing or you are not making regular deposits or you have too many overdrafts. Customers are eligible for this service provided certain criteria are met. The courtesy overdraft program is intended to help you avoid the inconvenience and embarrassment of having a transaction rejected or returned in the event of an emergency situation or inadvertent overdraft. You should avoid using this service as a standard practice. If an overdraft occurs, you are responsible for bringing your account to a positive balance promptly. There is no fee to add the courtesy overdraft service to your account and no fee if you never use the service; however, overdraft coverage for everyday debit card purchases is optional and requires your consent. Make the choice that is right for you.


Pay everyday debit card transactions

This means you want us to authorize and pay your everyday debit card transactions at our discretion when you don't have enough money available in your account. You will be charged $34 for each debit card purchase that overdraws your account more than $5, up to $170 per day.


Do not pay everyday debit card transactions (if you don't choose an option when you open your account, this option is automatically selected for you)

This means you do not want Frost to authorize and pay your everyday debit card transactions when you don't have enough money available. Since everyday debit card transactions will be declined when there is not enough money available, you won't be charged a Non-sufficient Funds Fee for everyday debit card transactions.

We may still authorize and pay overdrafts for other transaction types, such as checks, automatic bill payments and other withdrawals unless you decline all coverage (option #3 below).


This means you do not want us to authorize or pay any items that will overdraw your account, including checks, automatic bill payments and other withdrawals in addition to debit card transactions. You will pay a $34 NSF fee for each transaction that does not pay, except there is no fee for declined debit card transactions. You may also incur merchant fees on items that are returned due to non-sufficient funds.
ATM Fees
Frost ATMs $0
Pulse Point–of–Sale Terminals $0
Participating H–E–B® Locations $0
Participating Corner Store Locations $0
Non–Frost ATMs $2 for any inquiries, transfers or withdrawals while using a non-Frost ATM, plus any fees the ATM owner charges
Replacement ATM & Debit Card $0

Notice regarding ATM fee by others – If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or an automated transfer network and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.

How Deposits and Withdrawals Work
How Deposits and Withdrawals Are Processed

Deposits and credits are processed first. Withdrawals are processed next, in the following order:

  • ATM and debit card transaction processed in the order they are received by us
  • Wire transfers, cash withdrawals and other transactions for which authorization has already occurred, from lowest to highest
  • Loans payable to us, from lowest to highest
  • Checks and ACH transactions, from lowest to highest
  • Bank service fees, from lowest to highest

For complete details, please refer to our Deposit Account Agreement and Other Disclosures available online or upon request.

Funds Availability Policy

When funds deposited to your account are generally available:

  • Cash and electronic deposits—same business day
  • Checks—the business day following the date of deposit

Longer delays may apply under certain circumstances. If a longer delay applies, we will notify you and funds will generally be available no later than the seventh business day.

This represents our general policy—for additional details, please refer to our Funds Availability Policy in our Deposit Account Agreement and Disclosure available online or upon request.

Frost Online Banking Services
Online Statement Delivery $0
Non-sufficient Funds Notification Service $0
Check Printing Fee varies
Replacement ATM & Debit Card $0
Statement/1099 Copy $0
Stop Payment $20 per item
Miscellaneous Fees
Account Research/Statement Balancing $20 per hour ($20 Minimum)
Check Certification $10
Check Copy $2 per item (First five items FREE for Imaged customers)
Check Printing Fee varies
Cashier's Checks $5 per item
Money Orders $3 per item
Return Item $4 per item
Statement Copy $2 per copy
Wire Transfers Fee varies
Incoming Wire Transfers $12 per item
Domestic Collection Item $20 per item
Foreign Collection Item $40 per item
Stop Payment $30 per item
Hold Mail at Financial Center for Pick Up $10/month

Member FDIC