Frost Business Checking Account
No two businesses are exactly the same. Whether you’re looking for a simple way to manage your cash or you have more complex banking needs, we have an account for you.
0
monthly service charge when you meet any one of the following:
- $1,500 minimum daily balance in the account OR
- Have a $15,000 combined average daily balances of business deposit accounts under the same business name OR
- A minimum of $1,000 net spending on your linked Frost Visa Business Debit Card posted per statement cycle OR
- Have a Frost Business Checking Plus Account in the same business name
OR
10
monthly service charge if none of the above requirements are met
Thomas C. Owner, The Crowther Group
Customer since 2017
Frost Business Checking Account features
- 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
Opening your account
To open a Business Checking account, call (800) 513-7678 or stop by your local Frost financial center and bring:
-
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.
We did it (again)!
Frost is proud to once again be recognized by Coalition Greenwich for a 17th consecutive year — and the only Texas-based bank to earn awards in various categories including for “Overall Satisfaction”, “Ease of Doing Business” and “Customer Service” in both Small Business and Middle Market Banking segments. We’re thankful to our loyal business customers and their positive feedback for helping us achieve this success.
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.
Real human support
Here for you all day. And all night. Don’t let your financial questions or concerns make you lose sleep.
Give us a call 24/7 at (800) 513-7678.
Easy access to your money
Enjoy fee-free ATM withdrawals at H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in Dallas and Tarrant County.
Providing peace of mind
Our technology and security tools like freezing your card in the Frost App or customizing Debit Card Alerts are designed to help you feel more in control of your own money.
See 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.
Our fine print has nothing to hide
| Total Items Processed | ||
|---|---|---|
| 0-200 | $0 | 0-125 $0 |
| 201+ | $0.35 per item | 126+ $0.35 per item |
| Total Cash Processed | ||
|---|---|---|
| $0-$5,000.00 | $0 | |
| $5,000.01+ | $0.25 per $100, rounded down |
| Frost ATMs | $0 |
|---|---|
| Pulse Point-of-Sale Terminals | $0 |
| H-E-B, Corner Store, and Circle K Locations in Texas | $0 |
| Non-Frost ATMs | $0 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 presented for payment we pay that overdraws your account more than $5, up to a maximum fee of $175 per day. |
|---|---|
| Non-sufficient Funds | $35 per item - If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item and we return it due to non-sufficient funds. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an overdraft, you will be charged the corresponding fee. |
Overdraft Protection Transfer, each advance from:
|
$0 $0 (interest will apply on the outstanding balance) |
| Changes Effective September 2, 2025 | ||
| Check certification | $10 | |
| Check order | Fee varies | |
| Cashier’s check | $0 per item | |
| Money order | $0 per item | |
| Return item | $5 per item | |
| Stop payment | $0 per item | |
| Outgoing wire transfer | Fee varies; first three per statement cycle at no charge. (Fee will be assessed then refunded the next business day.) |
Fee varies; first three domestic wires per statement cycle at no charge. (Fee will be assessed then refunded the next business day.) |
| Incoming wire transfer | $0 | First ten incoming wires per statement cycle at no charge - $15 after |
| Domestic collection item | $20 per item | |
| Foreign collection item | $40 per item | |
| Hold mail at financial center for pick-up | $10 per month | |
| Signature Verification |
$3.00 per month plus $0.10 per item |
