From extensive wellness programs to retirement plans and profit sharing, our comprehensive benefits are designed to attract and retain great people. Because at Frost, it’s our people who make the difference.

Medical Insurance          Employees and dependents may participate in our PPO, Health Care Account or
Health Savings Account upon date of hire.
Dental Insurance Employees and dependents may participate in our DMO or PPO dental plan upon
date of hire.
Vision Insurance  Employees and dependents may participate in our vision plan upon date of hire.
Flexible Spending
Account (FSA)
A tax-deferred spending account is available for medical and childcare expenses.

Life Insurance Frost provides life insurance to our employees at no cost. For full-time employees
the benefit is two times their annual salary/commission. The benefit for part-time
employees is $10,000.
Additional Life Insurance  Additional life insurance coverage is available for employees and dependents.
Long-Term Disability    
Frost provides disability insurance to our employees at no cost. Benefits may
be payable after the employee has been unable to work for six months.
Retirement Plans
401(k)                                               Employees may contribute 2% to 50% of their tax-deferred compensation after
   90 days of service, and Frost matches up to 6% in Cullen/Frost stock. All 
   contributions are immediately vested upon enrollment.
Profit Sharing     Employees aged 21 and older are enrolled in this plan after one year of service
   with Frost. Employees are vested in their accounts after three years of service.
Work/Life Balance
Holidays                                          Employees are paid for bank holidays.
Vacation    Employees will receive five to 20 days of vacation annually per their length of
   service and officer title.
Employee Assistance
   This program is available to all employees and their immediate family members,
   and provides various support services including emotional, financial and legal
Education Assistance/Employee Development
Tuition Reimbursement             Frost reimburses employees for eligible tuition expenses.
Tom Frost Scholarship    Frost awards multiple renewable scholarships in the amount of $5,000 each
   year to the children of qualified employees. They're valid for full-time study at
   any accredited college or university of the student's choice.
Training Classes &
Leadership Development 
   Frost offers many classes internally to assist employees in their personal and
   professional development.
New Hire Orientation    Frost wants all of our employees to feel like part of the Frost family from the very
   beginning. New employees attend an orientation where they learn Frost's goals,
   philosophy and employment policies and practices.
Additional Benefits
Referral Bonus Program    Employees who refer qualified hires will receive a $500 bonus for each hire.
Banking Accounts/Services       Frost provides two free personal accounts to all employees. These accounts
   include free checks, numerous banking services, ATM Checkcard and online
Employee Discounts     Various special discounts are available to Frost employees.

Frost is an Equal Opportunity Employer and does not discriminate on the basis of any
protected trait, including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status.

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