A Guide to your Frost Personal Account

Effective April 15, 2021
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 or $1,000 minimum daily balance or $5,000 combined average daily balances* of personal deposit accounts or you own a Frost Premium Account Overdrafts $100 and less are fee-free if you have our standard overdraft courtesy and have monthly direct deposits totaling $500 or more 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 1,300 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 or $1,000 minimum daily balance or $5,000 combined average daily balances* of personal deposit accounts or you own a Frost Premium Account

Overdrafts $100 and less are fee-free if you have our standard overdraft courtesy and have monthly direct deposits totaling $500 or more

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 1,300 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 totaling $100 or more made to this account monthly, such as your paycheck, pension, Social Security, or other regular monthly deposits through the ACH system. 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 *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.

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 0.01%, with an annual percentage yield of 0.01%. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 06/15/2021.
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 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 by: more than $5 under our standard overdraft practices. more than $100 if your account is eligible for and you have not opted out of our standard overdraft practices and have direct deposits posted to your account totaling at least $500 within the past 33 days prior to the overdraft. Direct deposits are an electronic payment method that uses the ACH network to move money between banks and deposit funds electronically into a bank account rather than through a physical, paper check. The most common types of ACH direct deposits include payroll, government benefits and tax refunds. Direct deposits do not include internal bank transfers or digital deposits. There is a maximum overdraft 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 $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 order	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

R(04/21)