Our Philosophy on Innovation:
Technology with a Human Side

Expect banking technology that’s powerfully simple.

For Personal
Frost App

Deposit checks, send money, login with fingerprint and more.

Online Banking

Pay bills, set up fraud alerts, transfer money and more.

Personal Investments Online Services

Access and manage your Frost personal investment accounts.

For Business
Online Banking for Business

Control user access, pay employees and vendors, view deposited checks and more.

Frost Connect

Simplify how your business manages its cash flow with our secure online portal.

Frost App

Deposit checks, see all your business finances, send money and more.

Business Investments Online Services

Access your business investment, retirement and trust accounts.

Enjoy a better way of banking with our latest innovations.

Dark Mode
On iOS Device Android device For Personal and Business

Designed to reduce eye strain and save your battery life, Dark Mode offers a fresh look on a familiar experience. It’s just another way we’re making banking with Frost better for you.

Known Caller
On iOS Device Android device For Personal and Business

We’re proud to have a human answer the phone 24/7, and now speaking to them is even easier. With our Known Caller feature, every time you call from within the Frost App we’ll know it’s you without asking loads of security questions. Making sure we can help you, right when you need it.

Available on iOS and Android.

Send and Receive Money with Zelle®
On iOS Device Android device Desktop computerFor Personal

It’s easier than ever to split the bill for dinner, pay the babysitter or settle up after a road trip. With just a mobile number or email, you can send money in minutes to almost anyone in the U.S.

Learn more about sending money with Zelle®
Change your PIN with ease right in the Frost App
On iOS Device Android Device Desktop computerFor Personal and Business

Next time you need to change the PIN on your Frost Debit Card, you can do it right in the app — you don’t have to sit down at your desktop or call customer service. Just log into the Frost App, go to Cards > Change PIN, and make the change.

Biometric Login
On iOS Device Android device For Personal and Business

A quick glance or the touch of a finger is all it takes to log in to the Frost App. This feature uses the latest biometric technology to create a more secure, more convenient way to access all your banking needs on the go.

Available on iOS and Android.

Digital Wallet
For Personal

No need to take your debit card out of your wallet. Simply make purchases using your smartphone, tablet or wearable — in stores, in apps and online. And because a device-specific number and unique transaction code is used, it’s an even safer way to pay.

Available on Apple Pay®, Google Pay, and Samsung Pay.

Get all the features you expect from a bank, and then some.

Deposit Checks Anywhere

Deposit up to $25,000 daily with your phone’s camera.

Pay Bills on the Go

Pay your bills at home or on the road with a few simple steps.

See Latest Account Activity

Get your latest balances and transaction details.

Why Frost?

We built our bank on the belief that each and every customer is significant. And we still take a personal approach to banking today.

See what makes us different
Keeping Your Money Safe

You can rest assured we’re doing everything we can to help keep your money safe. And we give you the tools to do the same.

See how we help keep your money secure

Ready to open a personal checking account online?

We’ll take care of everything to make it easy to open your checking account with Frost. Have these things handy.

Social Security Number

We’re required by federal law to collect your SSN.

Goverment-Issued Photo ID

This can be a driver’s license, state ID or U.S. military ID.

Minimum Opening Deposit

You’ll need to make an initial deposit of $25 or more.

More convenient ways to open an account with us.

Whether you’d prefer to use our app, call us or visit us in person, it’s easier than ever to change banks.

Award-winning service you’ll only find at Frost.

When you have an account with Frost, you have a relationship with Frost. We’ll answer the phone when you call 24/7, right here in Texas. And we’ll be here for you with a square deal and prudent financial advice and tools to help you with all the milestones in the years ahead.

Don’t take our word for it. Here’s what our customers have to say about us.

What people are saying

"Amazing customer service! Outstanding reputation! Real people who care!"

-Rhonda Kulhanek

Give us your feedback

We’re always looking to improve. If you’ve got a suggestion, we’d love to hear it.

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Routing Number: 114000093 SWIFT Code: FRSTUS44