The checking account you need. The financial partner you want
No two businesses are exactly the same. Whether you’re looking for a simple way to manage your cash or have more complex banking needs, we have an account for you.
Customer since 2018
Customer since 2016
Customer since 2021
Customer since 2017
Business Checking Accounts
Frost Business Checking
A basic account to manage cash flow so you can focus on your small business and make easy financial choices.
- 200 non-electronic items plus unlimited electronic deposits and withdrawals at no charge
- $5,000 in cash processing per month at no additional charge
- Frost Business Savings account with no monthly service fee to help save for the future
- Frost Visa Business Debit Card
Frost Business Checking Plus
An account for midsize businesses to help protect what you’ve built. All Frost Business Checking features plus:
- 500 non-electronic items plus unlimited electronic deposits and withdrawals at no charge
- $20,000 in cash processing per month at no additional charge
- Cashier’s checks, money orders and stop payments at no additional charge
- Three free outgoing wires at no additional charge
Frost Analyzed Checking
*Monthly fees vary based on transaction volume, services used and earnings credit for account balances.
An account for larger businesses with greater monthly transactions and cash management needs.
- Access to treasury management services through Treasury Connect
- Dedicated Frost Treasury Management advisor to assist you in enhancing cash flow, optimizing investments, reducing expenses and managing your company's financial resources more effectively
Opening your account
-
Tax ID number or SSN if sole proprietorship
Company’s Tax ID number (or Social Security Number if Sole Proprietorship) -
Business entity documents
Certificate of Formation, Certificate of Filing, Company Operating Agreement -
Government-issued photo ID
This can be a driver’s license, state ID or U.S. military ID for each account signer -
Business information
Business physical address -
Minimum opening deposit
You’ll need to make an initial deposit of $50 or more
You may also need to bring state certificate filings and entity minutes authorizing signers.
Documentation may vary depending on your type of business.
Nationally recognized for excellence
We're proud to have received multiple Greenwich Awards, recognized as the most prestigious award in banking, but the true measure of our success as a business is how we help you grow yours.
Standard features that are anything but
We believe everyone should have access to the kinds of features and benefits that make life easier, no matter the size of your account.
NEW
Real human help.
Now in Live Chat.
Why would we use artificial intelligence when we have real human intelligence and understanding? Customers can now chat live in the app or when logged in online with a real Frost rep who can help you get answers fast.
Cards as bold as our beliefs
A card that carries more than money. Pay the way you want - from tap and go to digital wallet.
Peace of mind with every transaction
We offer a wide range of Merchant Services, from a simple option for your mobile phone to powerful systems for your countertop.
Debit Card Alerts
We watch every account for fraud and will send you a text to alert you if something looks suspicious.
Send Money with Zelle®
Zelle* for Small Business is a new way for businesses to get paid by customers and pay suppliers throughout the country.
* Must hold a U.S. bank account and email or mobile number.
Fast access to mobile deposits
Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.
Freeze your card
Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.
Cards as bold as our beliefs
A card that carries more than money. Pay the way you want - from tap and go to digital wallet.
Peace of mind with every transaction
We offer a wide range of Merchant Services, from a simple option for your mobile phone to powerful systems for your countertop.
Debit Card Alerts
We watch every account for fraud and will send you a text to alert you if something looks suspicious.
Send Money with Zelle®
Zelle* for Small Business is a new way for businesses to get paid by customers and pay suppliers throughout the country.
* Must hold a U.S. bank account and email or mobile number.
Fast access to mobile deposits
Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.
Freeze your card
Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.
Experience the Frost difference
At our core, we're just people helping people. We're passionate about supporting your financial goals, keeping your money accessible, and offering help when you need it.
Everybody’s human. So it makes sense to get help from one.
When you need us, we’re here to help. Give us a call 24/7 at (800) 513-7678 and you’ll be directly connected to a fellow Texan. 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. Zero call trees, just real human help when you need it. And if you want to see us in person, you can do that too – just stop by or schedule an appointment.
Bank the way you want
The simple way to keep your business finances straight.
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Explore what our business customers say about us
We go above and beyond to be a trusted advisor in all aspects of your business. On the journey ahead, you can feel good knowing you always have a bank ready to meet your needs.
