Business Checking Account

We are here for your business when you need us the most

The Technology You Need to Do Business from Anywhere

Our top-rated apps, full-service online banking and digital deposits let you easily manage your account, in the office or remotely.*

Frost App for iPhone® & Android™ Devices

iPhone and Android

The Frost App for iPhone® and Android™ devices allow you to do your banking from wherever you do business.

Apple App Store Google Play Store

Mobile and Scanner Deposits

Deposit checks anywhere with the Frost App for iPhone® or the Frost App for Android™ devices.

  • One of the highest daily limits in the business, up to $100,000 daily
  • Deposits made before 9 p.m. are almost always available the next business day

Desktop & Tablet Banking Tools

Our online tools are available all day, every day, to help you manage all your financial needs.

  • Deposit checks with scanner
  • Send money anywhere
  • Make a loan payment
  • Pay your bills
  • Add memos for your records

Does your business need to give multiple users access to the account or make wire transfers? Explore Frost Connect

View & Save Deposited Check Images

View Deposited Checks

This optional service allows you to view, print or save images of the front and back of customer checks your business has deposited.

  • View checks and deposit slips from the past 18 months
  • Add memos to your deposits
  • Search checks by amount of deposits
  • Save to your computer or print for your records

Business customers can subscribe to use this service for $5 per month.

Debit Card Alerts

Real-time alerts are sent straight to your phone, keeping you a step ahead of fraud. And because they're personalized, you can set them up to monitor things like online purchases, out-of-country transactions or pay-at-the-pump transactions.

Access to Your Money, When and Where You Need It

Find one of our 1,200+ ATMs or the motor bank closest to you.

Fast Access to Funds

Deposits made before 9 p.m. will almost always be available the next business day. Those include deposits made with the Frost App for iPhone® and Frost App for Android™ devices, scanners or multifunction printers and Frost ATMs

Over 60 ATMs Near You

Access to your cash from the 60+ ATMs in Dallas, or from 110+ Frost financial centers and 1,200+ ATMs across Texas, including participating H-E-B® and Corner Store locations.


Request a Call or Email

Opening the best checking account in the business is as easy as downloading the best app in the business.


Service Only Frost Can Give You and Your Growing Business

We offer personalized, expert service from bankers who understand businesses in our communities. So, as your business grows and changes, we’ll know how to help your plan for the challenges ahead. But don’t take our word for it, hear what our customers have to say, or better yet, give us a call:

Bankers Who Answer Their Phones

Serving our customers with respect and courtesy is at the core of everything we do. To truly experience the difference, all you have to do is call… and we’ll promise to answer.

Give it a Try at (800) 513-7678.

Opening an Account is Easy


Pricing That Adjusts to Your Needs and Your Budget

Our monthly fees are simple, straightforward and less than what some other banks charge. Here's how your account activity determines how much you pay:

See how we compare to other banks


With Frost Business Checking Bank of America Business Fundamentals Chase Total Business Checking Wells Fargo Business Choice Checking
With service charge $10 $16 $15 $10


Charge Frost Business Checking Bank of America Business Fundamentals Chase Total Business Checking Wells Fargo Choice Checking
Minimum Daily Account Balance $1,500 $3,000 min, $5,000 avg $2,000 $500 min, $1,000 avg
Minimum Combined Average
Daily Balances of business deposit accounts under the same business name

$15,000 business balances only

not offered not offered
Spend a minimum on Business Debit Card $1,000 per statement cycle
Having a Business Checking Plus Account


Pricing Frost Business Checking Bank of America Business Fundamentals Chase Total Business Checking Wells Fargo Choice Checking
150 items + $4,300 Cash Processed $10 $16 $67 $35
200 items + $15,000 Cash Processed $19 $38.50 $112 $82.50
700 items + $50,000 Cash Processed $104
Consider our Analyzed Account for your more complex banking needs
$368.50 $399.50 $437.50


Features Frost Business Checking Bank of America Business Fundamentals Chase Total Business Checking Wells Fargo Choice Checking
Daily Digital Check Deposit Limits up to $100,000*


$100,000 varies
Out-of-network ATM Fee $2 $2.50 $2.50 $2.50
Overdraft Protection Transfer Fee $0 $12 $0 $12.50
Online Transaction History and Check Images 24 months 18 months 84 months 84 months
Download Transactions to Quickbooks and other PFM® Free Free Free Free
Images of Deposited Checks Available Available Available Available

Data for Bank of America, Chase, and Wells Fargo provided by:

Information effective 02/01/2021

Data for Frost Bank, and all mobile app ratings provided by Frost Bank

*Fees may apply

Estimate your monthly charges


Base Account

$10 monthly service charge is WAIVED with combined average daily balance of $15,000 in business deposit accounts under the same business name.

See what's included.

Items Processed Monthly

Estimate the number of monthly account items processed, such as a check deposits, checks written and checkcard purchases.

See complete list.

Cash Processed Monthly

Estimate the amount of cash processed each month. This includes cash deposits and coin/currency requests like change orders and cash back.

Optional Online Services

Online Banking for Business
  • Provide read-only access to up to five employees or third-parties, such as a bookkeeper, so they can view account information but not initiate transactions
  • View images of the checks your business has deposited over the past 24 months

With Frost Digital Deposits, you can deposit checks using the Frost app for iPhone or Android Devices, a scanner or a multifunction printer.

View more details.

Your Estimated Cost Per Month

This cost is based on the account activity and online services as described above and is subject to change each month, depending on your level of activity. This is not a complete representation of all account fees - refer to our schedule of fees for additional information.

View Complete Pricing Chart