Effective February 1, 2021
Member FDIC

Account Opening and Earnings Credit Rate

Minimum Opening Deposit $50
Service charges are determined by account analysis, based on the fees listed below. The cost of services used are offset by applying an earnings credit rate to balances maintained. This is a representative list of fees.

Other Service Charges

Regulatory Balance Fee $0.125 per $1,000 based on average monthly balance, subject to change
Expense on negative collected balance Frost Bank prime +3%

Checking Services

Account maintenance $23
Inactive account $5
Debits posted $0.20 per debit
Credits posted $1 per credit
On Us deposited items No Charge
Deposited items $0.15 per item
Return items
  • Telephone or fax notification
  • Reclear
$10 per item
$10 per call or fax
$5 per item
Incoming ACH items $0.20 per item
Special signature requirements $15 per month + $0.50 per item

Cash Services

Change order minimum $5.50 per order
Rolled coin furnished $0.12 per roll
Strapped currency furnished in branch $0.60 per strap
Strapped currency furnished from vault $0.55 per strap
ATM fit currency furnished $1.50 per strap
Loose coin deposit $2.50 per full bag; $7 partial bag
Currency deposit processing $1 per thousand
Deposit correction discrepancy notice $10 per call or fax

Miscellaneous Fees

Stop payment $30 per item
Outgoing wire transfer Fee varies
Incoming wire transfer $15
Wire transfer statement $5 per statement
Domestic collection item $20 per item
Foreign collection item $40 per item
Frost Online Banking bill pay $0.15 per payment
Frost Online Banking account transfer $0.15 per transfer
Other fees listed below are not covered by account analysis, but charged directly to the account.

ATM Fees

Frost ATMs​ $0
Pulse Point-of-Sale Terminals $0
H-E-B, Corner Store, and Circle K Locations in Texas $0
Non-Frost ATMs $2 for any Inquiries, Transfers or Withdrawals while using a non-Frost ATM, plus any fees the ATM owner charges.
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 ​

Overdraft Fees

Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means $35 for each item presented for payment we pay that overdraws your account more than $5, up to a maximum fee of $175 per day.
Non-sufficient Funds $35 per item - If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item and we return it due to non-sufficient funds. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an overdraft, you will be charged the corresponding fee.
Overdraft Protection Transfer, each advance from:
  • Another deposit account
  • Line of credit (subject to credit approval)

$0 (interest will apply on the outstanding balance)

Miscellaneous Fees

Account research/Statement balancing $20 per hour ($20 minimum)
Check certification $10
Check printing Fee varies
Cashier’s check $5 per item
Money order $5 per item 
Hold mail at financial center for pick-up $10 per month