Analyzed Checking Account
Designed to handle the needs of larger businesses with greater monthly transactions and cash management needs.
60
monthly service charge*
Talley D. Owner, Talley Dunn Gallery
Customer since 2016
*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
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.
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.
Learn more
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
Checking Services
| Account maintenance | $60 |
| Inactive account | $5 |
| Debits posted | 0 – 500 No Charge 501+ $0.20 per debit |
| Credits posted | 0 – 500 No Charge 501+ $1 per credit |
| On Us deposited items | No Charge |
| Deposited items | 0 – 500 No Charge 501+ $0.15 per item |
Return items
| $10 per item $10 per call or fax $5 per item |
| Incoming ACH items | 0 – 500 No Charge 501+ $0.20 per item |
| Special signature requirements | $15 per month + $0.50 per item |
Cash Services
| Change order minimum | $5.50 per order |
| Rolled coin furnished | $0.12 per roll |
| Strapped currency furnished in branch | $0.60 per strap |
| Strapped currency furnished from vault | $0.55 per strap |
| ATM fit currency furnished | $1.50 per strap |
| Loose coin deposit | $2.50 per full bag; $7 partial bag |
| Currency deposit processing | $1 per thousand |
| Deposit correction discrepancy notice | $10 per call or fax |
| 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:
|
$0 $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 per item |
| 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 |
Open a Frost Analyzed Checking Account
We're here to help you make the best decisions possible about your business finances. Call (888) 481-0336 or stop by your local frost financial center and ask to be connected with a Frost Treasury Management representative.