Effective February 1, 2021
Member FDIC

Account Opening and Monthly Service Charge

Minimum Opening Deposit​ $50
Monthly Service Charge $12
How to Avoid the Monthly Service Charge ​$0 Monthly Service Charge when you maintain a $2,500 minimum daily balance in this account

Interest Information

Range of Balances Interest Rate APY
$0.00 - $24,999.99 0.01% 0.01%
$25,000.00 - $49,999.99 0.01% 0.01%
$50,000.00 - $99,999.99 0.01% 0.01%
$100,000.00 - $249,999.99 0.02% 0.02%
$250,000.00 - $999,999.99 0.02% 0.02%
$1,000,000.00 - $2,499,999.99 0.02% 0.02%
$2,500,000.00 and Over 0.02% 0.02%
The interest rate and annual percentage yield may change at any time at our discretion. (Fees could reduce earnings on account.) Rates effective as of 08/04/2021.
How the interest 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).

Account Limitations

Excess Check Fee Six free check withdrawals are allowed per statement cycle There is a $10 excess check charge for each additional check over six paid during the statement cycle.
Item Count If total item count exceeds 20 items for six consecutive months, the account will automatically convert to a Frost Business Checking 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 we pay that overdraws your account more than $5, up to a maximum fee of $175 per day.
Non-sufficient Funds $35 per item that we do not pay
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 copy $2 per item (first five items free for imaged customers)
Check printing Fee varies
Cashier’s check $5 per item
Money order $5 per item 
Return item $5 per item 
Statement copy $2 per copy
Stop payment $30 per item
Outgoing wire transfer Fee varies
Incoming wire transfer $15
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