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.*

Top-Rated Mobile Apps

Frost App for iPhone® & Android™ Devices

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

Explore the Frost App ►

Digital Deposits

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

Full-Service Online Banking

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 Cash Manager

Explore Our Online Banking for Business ►

View Deposited Checks

View & Save Deposited Check Images

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.

Learn more about Debit Card Alerts ►

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.

FIND A LOCATION

Request a Call or Email

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

REQUEST A CALL

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 work for it, hear what our customers have to say, or better yet, give us a call:

I have gotten clear advice from them each step of the way and know that whenever I have a new questions as my business expands, they will wow me with good service, timely turnaround and 'can-do'attitude."

- Robert, Pflugerville,TX

“Nobody take care of your banking needs as Frost does. Thire system is fast; their representatives are courteous and knowledgeable. What i love the mose is that you don't have any hidden fees and wonder where they came from !”

- Cristina, San Antonio,TX

“Frost provided me with a great alternative to my other bank's business account offerings. One that fit the needs of a start up business. And, since the service i have received from my banker at Frost has been stellar, I transferred all of my personal accounts to Frost as well.”

- Lowell, Austin, TX

“I am always acknowldged by name, and I have the direct email addresses and contact numbers of Frost employess who can help me. I am not a 'big fish' when it comes to the banking business, but with Frost, I feel like i am..”

- Tiffany, Richardson, TX

“Before switching our business and personal banking to Frost, we were plagued with excessive fees for all sorts of things from other banks. Even though we've been with Frost for three years or more, I still get a feeing of relief when reviewing my monthly statements.”

- Paula, Bedford, TX

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

FIND OUT HOW

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

MONTHLY SERVICE CHARGE

With	Frost Business Checking	Bank of America Business Fundamentals	Chase Total Business Checking	Wells Fargo Business Choice Checking
With service charge	$9	$16	$15	$14

HOW TO AVOID MONTHLY SERVICE CHARGE

Charge	Frost Business Checking	Bank of America Business Fundamentals	Chase Total Business Checking	Wells Fargo Choice Checking
Minimum Daily Account Balance	$3,000	$3,000	$1,500	not offered
Minimum Combined Average Daily Balances of personal & business accounts linked at your request	$25,000	$15,000 business balances only	not offered	$10,000 business balances only

EXAMPLES OF MONTHLY PRICING

Pricing	Frost Business Checking	Bank of America Business Fundamentals	Chase Total Business Checking	Wells Fargo Choice Checking
150 items + $4,300 Cash Processed	$9	$16	$35	$14
200 items + $15,000 Cash Processed	$19	$38.50	$80	$36.50
700 items + $50,000 Cash Processed	$104 Consider our Analyzed Account for your more complex banking needs	$368.50	$367.50	$391.50

FEATURES

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*	$99,999	$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

Are your business needs not covered in this chart? Our Analyzed Account might be right for you.

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

Information effective 12/06/2019

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

*Fees may apply

Estimate your monthly charges

MONTHLY SERVICE CHARGE:

Base Account $9 monthly service charge is WAIVED with combined average daily personal and business account balances greater than $25,000 or a minimum daily balance of $3,000. See what's included.	$9
Items Processed Monthly Estimate the number of monthly account items processed, such as a check deposits, checks written and checkcard purchases. See complete list.	$0
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.	$0
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. Deposit amount Number of monthly checks deposits Permissions/authorities required Yes No Based on your needs, your business would benefit most from using Frost Online Banking online access for digital deposits. Based on your needs, your business would benefit most from using Cash Manager online access for digital deposits. View digital deposits options chart If you deposit more than 300 checks a month or want a multi-feed scanner, please contact a Treasury Management Specialist at (888) 481-0336.	$0
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	$9

Deposit amount	Typical number of deposited checks	Permissions/ authorities required	Online access	Cost per month
Up to $2,500 per day	Up to ~100 per month	No	Frost Online Banking	Free
Up to $25,000 per day	Up to ~100 per month	No	Frost Online Banking	Free
Up to $100,000 per day	Up to ~100 per month	No	Frost Online Banking	Free
Up to $100,000 per deposit	Up to ~300 per month	Yes	Cash Manager	$50
Unlimited	More than 300 per month	Yes	Cash Manager	Fee Varies

Cash Processed Monthly	0-200	201-300	301-400	401-500	501-600	601-700	701-800	801-900	901-1000	1001+
$0 - $5,000	$0	$10	$20	$30	$40	$50	$60	$70	$80	$0.30 per item
$5,000.01 - $10,000	$5	$15	$25	$35	$45	$55	$65	$75	$85	$0.30 per item
$10,000.01 - $15,000	$10	$20	$30	$40	$50	$60	$70	$80	$90	$0.30 per item
$15,000.01 - $20,000	$15	$25	$35	$45	$55	$65	$75	$85	$95	$0.30 per item
$20,000.01 - $25,000	$20	$30	$40	$50	$60	$70	$80	$90	$100	$0.30 per item
$25,000.01 - $30,000	$25	$35	$45	$55	$65	$75	$85	$95	$105	$0.30 per item
$30,000.01 - $35,000	$30	$40	$50	$60	$70	$80	$90	$100	$110	$0.30 per item
$35,000.01 - $40,000	$35	$45	$55	$65	$75	$85	$95	$105	$115	$0.30 per item
$40,000.01 - $45,000	$40	$50	$60	$70	$80	$90	$100	$110	$120	$0.30 per item
$45,000.01 - $50,000	$45	$55	$65	$75	$85	$95	$105	$115	$125	$0.30 per item
$50,000.01+	$1 per thousand dollars, rounded down

See all the account features and fees

Is your business more complex? Our Analyzed Checking Account might be right for you.