Analyzed Checking Account

Designed to handle the needs of larger businesses with greater monthly transactions and cash management needs.

monthly service charge*

*Monthly fees vary based on transaction volume, services used and earnings credit for account balances.

Frost Analyzed Checking Account features

  • Access to treasury management services through Frost Connect
  • Dedicated Frost Treasury Management representative who can help you improve cash flow, maximize investments, lower costs and better control your company’s funds

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.

Award winning service

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 (866) 376-7889.

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 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

Frost ATMs​ $0
Pulse Point-of-Sale Terminals $0
H-E-B, Corner Store, and Circle K Locations in Texas $0
Non-Frost ATMs $2 for any Inquiries, 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:
  • Another deposit account
  • Line of credit (subject to credit approval)

$0 (interest will apply on the outstanding balance)

Regulatory Balance Fee $0.125 per $1,000 based on average monthly balance, subject to change
Expense on negative collected balance Frost Bank prime +3%
Stop payment $30 per item
Outgoing wire transfer Fee varies
Incoming wire transfer $15
Wire transfer statement $5 per statement
Domestic collection item $20 per item
Foreign collection item $40 per item
Frost Online Banking bill pay $0.15 per payment
Frost Online Banking account transfer $0.15 per transfer
Account research/Statement balancing $20 per hour ($20 minimum)
Check certification $10
Check printing Fee varies
Cashier’s check $5 per item
Money order $5 per item 
Hold mail at financial center for pick-up $10 per month

Still not sure which is the best account for you?

Frost offers different types of checking accounts designed to meet your business needs

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