Business Savings Options / Business Savings Account

Frost Business Savings Account

The Frost Savings Account is the perfect way to start building good savings habits. It’s a safe place for an emergency fund or to begin bucketing funds as you’re saving for different goals.

0 monthly service charge when you meet any one of the following:

Waived with $100 minimum daily balance
OR have a Frost Business Checking or a Frost Business Checking Plus account in the same business name

OR

3^.50 monthly service charge if none of the above requirements are met

Let's get started

Enjoy higher interest rates with Frost

	FROST Annual Percentage Yield (APY)	BANK OF AMERICA Annual Percentage Yield (APY)	CHASE Annual Percentage Yield (APY)	WELLS FARGO Annual Percentage Yield (APY)
$0 - $14,999.99	0.10%	0.01%	0.01%	0.01%
$15,000 and over	0.30%	0.01%	0.01%	0.01%

Data for Frost Bank provided by Frost Bank
All Bank of America, Chase, and Wells Fargo rate data shown for an equivalent account of $1-$25,000.
Frost Annual Percentage Yield effective as of 12/08/2025. Fees could reduce the earnings on the account.
The interest rate and annual percentage yield may change at any time at our discretion.
Data for Bank of America, Chase, and Wells Fargo provided by:

Information effective 12/03/2025

Business Savings Account Schedule of Fees

Business Savings account additional features

Interest paid quarterly
Free My Frost Online Banking service
Make free online transfers to and from your Frost checking account

Can be used as overdraft protection for your Frost checking account
Unlimited transfers to an account in the same business name at Frost
Two free withdrawals per month

Opening your account

To open a Business Savings account, call (866) 376-7889 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.

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.

Still not sure which is the best account for you?

Frost offers different types of savings account designed to meet your business needs.

We’re here to guide you

If you’d like to talk through the options, a Frost Banker is just a phone call away.