Business Checking Options / Analyzed Checking Account Analyzed Checking Account Designed to handle the needs of larger businesses with greater monthly transactions and cash management needs. 60 monthly service charge* See all account features and fees 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 proprietorshipCompany’s Tax ID number (or Social Security Number if Sole Proprietorship) Business entity documentsCertificate of Formation, Certificate of Filing, Company Operating Agreement Government-issued photo IDThis can be a driver’s license, state ID or U.S. military ID for each account signer Business informationBusiness physical address Minimum opening depositYou’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. 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 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. I have the best customer support and even though I haven’t lived in Texas for years I have never wanted to change where I do my banking. Frost Customer, Austin TX Voice of Customer Survey People who know me answer the phone and help me solve my banking problems. I am so pleased with the above and beyond service. Frost Customer, Fort Worth TX Voice of Customer Survey It is so refreshing to have an actual banker who responds to my calls and questions. And unlike other big banks that require multiple phone clicks before getting to a live person who often is in another state, when I call the Frost phone number an actual person in Austin answers the phone no matter the time of day. Frost Customer, Austin TX Voice of Customer Survey Frost has never forgotten that banking is primarily a business built upon relationships — having a personal banker makes the difference between Frost and the others. Frost Customer, Corpus Christi TX Voice of Customer Survey I'm always very pleased with the service we receive from Frost. I also appreciate the bank because it is locally owned. Frost Customer, San Antonio TX Voice of Customer Survey Such a great company that does so much for the community! Their staff must be treated well and that is passed on to the community. Keep up the great work! Frost Customer, Houston TX Voice of Customer Survey Our fine print has nothing to hide What are the fees for checking and cash services? 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 Telephone or fax notification Reclear $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 When do I have to pay ATM fees? 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 What happens if I spend more money than I have? 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 $0 (interest will apply on the outstanding balance) What other fees are there? 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 Expand all Print Schedule of Fees Still not sure which is the best account for you? Frost offers different types of checking accounts designed to meet your business needs. Compare all business checking accounts 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. Get in touch Find a location