A Guide to your Frost Personal Account

Effective June 27, 2024
A Guide to your Frost Personal Account

Account Overview

Frost Personal Account Essentials for feeling confident about your money.	A Frost Personal Banker to attend to your financial needs and 24/7 phone support so you’ll always be able to talk to a real person $8 monthly service charge waived with $100 monthly direct deposit, mobile deposits, debit card credits or Zelle credits or $1,000 minimum daily balance or $5,000 combined average daily balances*** of personal deposit accounts or you own a Frost Premium Account Fee-free overdrafts if you overdraw your account by $100 or less under our standard overdraft courtesy program A mobile app loaded with convenience and security features such as mobile check deposits, Send Money with Zelle ® and biometric login Real-time Debit Card Alerts sent straight to your phone Access to more than 1,700 ATM locations and more than 150 Frost financial centers Unlimited transactions and check writing Interest paid monthly based on entire collected balance if daily balance is $5,000 or greater

Frost Personal Account

Essentials for feeling confident about your money.

A Frost Personal Banker to attend to your financial needs and 24/7 phone support so you’ll always be able to talk to a real person

$8 monthly service charge waived with $100 monthly direct deposit, mobile deposits, debit card credits or Zelle credits or $1,000 minimum daily balance or $5,000 combined average daily balances*** of personal deposit accounts or you own a Frost Premium Account

Fee-free overdrafts if you overdraw your account by $100 or less under our standard overdraft courtesy program

A mobile app loaded with convenience and security features such as mobile check deposits, Send Money with Zelle ® and biometric login

Real-time Debit Card Alerts sent straight to your phone

Access to more than 1,700 ATM locations and more than 150 Frost financial centers

Unlimited transactions and check writing

Interest paid monthly based on entire collected balance if daily balance is $5,000 or greater

Account Opening and Monthly Service Charge

Minimum Opening Deposit	$25
Monthly Service Charge	$8
How to Avoid the Monthly Service Charge	$0 Monthly Service Charge when you have ONE of the following (during each monthly statement period): Direct deposits, mobile deposits, debit card credits* or Zelle credits totaling $100 or more 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 one account owner is under age 25 OR you own a Frost Premium Account Direct deposits may include paychecks, pensions, Social Security or other monthly deposits through the ACH system Debit Card credits include non-Zelle P2P transactions such as Venmo, Cash App, PayPal, and Apple Cash. **The average daily balance is calculated by adding the principal for 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 0.04%, with an annual percentage yield of 0.04%. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 07/18/2025.
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).

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 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 by more than $100, up to a maximum fee of $105 per day. We will not charge you an overdraft fee if: your transaction is $5 or less your debit card transaction was authorized with sufficient available funds your debit card or ATM transaction is declined your ACH or check is returned unpaid
Overdraft Protection Transfer, each advance from: Another deposit account Line of credit (subject to credit approval)	$0 $0 (interest will apply on the outstanding balance)

Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means

$35 for each item we pay that overdraws your account by more than $100, up to a maximum fee of $105 per day.

We will not charge you an overdraft fee if:

your transaction is $5 or less
your debit card transaction was authorized with sufficient available funds
your debit card or ATM transaction is declined
your ACH or check is returned unpaid

Overdraft Protection Transfer, each advance from:

Another deposit account
Line of credit (subject to credit approval)

$0
$0 (interest will apply on the outstanding balance)

Miscellaneous Fees

Check certification	$10
Check order	Fee varies
Cashier’s check	$5 per item
Money order	$5 per item
Return item	$0 per item
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

R(06/27/24)