Rate and Fee Schedule and Truth in Savings Disclosure Health Savings Account

Effective February 1, 2024
Member FDIC

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


How to Avoid the Monthly Service Charge $0 Monthly Service Charge when you maintain a $3,000 minimum daily balance OR if you own a Frost Premium Account.

Interest Information

Interest Rate and APY The interest paid on the entire collected balance in your account will be 0.08%, with an annual percentage yield of 0.08%. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 04/13/2024.
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).
Account Limitations
Number of Checks Allowed per Statement Cycle

Three free check withdrawals are allowed per statement cycle.

Excess Check Fee

There is a $5 excess check fee for each additional check over three paid during the statement cycle.

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 Protection Plans and Fees
Non-sufficient Funds

$0 per item

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 $5 per item
Money Order $5 per item
Return Item $0 per item
Stop Payment $30 per item
Outgoing wire transfer


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

Member FDIC