RATE AND FEE SCHEDULE AND TRUTH IN SAVINGS DISCLOSURE SAVINGS ACCOUNT

Account Opening and Monthly Service Charge

Minimum Opening Deposit	$50
Monthly Service Charge	$3.50
How to Avoid the Monthly Service Charge	$0 Monthly Service Charge when you have ONE of the following (during each statement period): a $300 minimum daily balance in this account OR deposits totaling $10 or more made to this account monthly OR one account owner is under age 25 OR you own a Frost Plus Account or a Frost Premium Account

Minimum Opening Deposit

$50

Monthly Service Charge

$3.50

How to Avoid the Monthly Service Charge

$0
Monthly Service Charge when you have ONE of the following (during each statement period):

Interest Rate and APY	The interest paid on the entire collected balance in your account will be 0.90%, with an annual percentage yield of 0.90%. The interest rate and annual percentage yield may change at any time at our discretion. Rates effective 04/25/2024.
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 quarterly. 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).

Excess Withdrawal Fee	You are allowed two free withdrawals per month. There will be a $3.00 savings withdrawal fee for each additional withdrawal over two per month.

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

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 $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 more than $5, up to a maximum fee of $105 per day.

We will not charge you an overdraft fee if:

Overdraft Protection Transfer, each advance from:

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

Check certification	$10
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(02/01/24)