Effective February 1, 2024
Member FDIC

Account Opening and Monthly Service Charge
Minimum Opening Deposit $50
Monthly Service Charge


How to Avoid the Monthly Service Charge

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

  • $25,000 minimum daily balance in this account
  • OR $40,000 combined average daily balances* of business deposit accounts under the same business name
  • OR a minimum of $2,500 net spending on your linked Frost Visa Business Debit Card posted per statement cycle
  • OR have a Merchant Services Account through Frost

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

Monthly Service Charge on other Business Accounts There will be a $0 Monthly Service Charge on the following accounts in the same business name:
  • Frost Business Checking accounts
  • Business Savings accounts

Item Processing

Total Items Processed Fee
0-500 $0
501+ $0.35 per item

Cash Processing

Total Cash Processed Fee
$0-$20,000.00 $0
$20,000.01+ $0.25 per $100, rounded down

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 $0 for any 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

Check certification $10
Check order Fee varies
Cashier’s check $0 per item
Money order $0 per item
Return item $5 per item
Stop payment $0 per item
Outgoing wire transfer Fee varies; first three per statement cycle at no charge.
(Fee will be assessed then refunded the next business day.)
Incoming wire transfer $0
Domestic collection item $20 per item
Foreign collection item $40 per item
Hold mail at financial center for pick-up $10 per month
Signature Verification

$3.00 per month plus $0.10 per item