Security / Retire Security Questions FAQs

Retire Security Questions FAQs

Security questions are going away soon. Here’s what you need to know to make a smooth transition.

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Frequently asked questions

What’s happening

We’re making improvements to how you log in to your account. As part of these updates, we’re removing security questions from the login process. Instead, we’ll now send you a One Time Password (OTP) for login verification.

What you need to do
  • Log in to the Frost App or Frost Online Banking and review your landline number or mobile number in Contact information to ensure they’re up-to-date.
  • Add a landline number or mobile number to your contact information if there isn’t one on file already. You’ll receive an OTP to finalize the addition of the number.
Why this matters

If you don’t have an up-to-date landline number or mobile number on file, you will not be able to log in once these security improvements have been made.

What if I don’t have a mobile phone number?

Soon you’ll be able to receive a Voice OTP for both US and international phone numbers. Voice OTP allows you to receive a phone call to your landline to verify yourself.

What if I’m a Business online banking user?

Soon you’ll be able to add a personal mobile phone number, separate from the business, to receive an OTP to verify yourself. You can find this in your contact information.

What if I have an international phone number?

Soon you’ll be able to receive a SMS and/or Voice OTP to your international landline number or mobile number. If you need to update your international phone number, you can contact your banker.

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