Truth in Savings Disclosure Frost Personal Account
Member FDIC
Account Opening and Monthly Service Charge
Minimum Opening Deposit | $25 |
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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):
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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. |
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Interest Rate and APY | 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 |
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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 |
Overdraft Protection Plans
Automatically transfer funds to your checking 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. |
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Overdraft Fees
Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means | $34 for each item we pay that overdraws your account more than $5, up to a maximum fee of $170 per day. |
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Non-sufficient Funds Fee | $34 per item that we do not pay |
Overdraft Protection Transfer Fee, each advance from:
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$0 $0 (interest will apply on the outstanding balance) |
Frost Online Banking Services
Online Statement Delivery | $0 |
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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) |
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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 |