Home  / Technology

Expect banking technology that’s powerfully simple

For Personal

   Frost App

Deposit checks, send money, login with fingerprint and more.

   Online Banking

Pay bills, set up fraud alerts, transfer money and more.

For Business

   Online Banking for Business

Control user access, pay employees and vendors, view deposited checks and more.

   Frost Connect

Simplify how your business manages its cash flow with our secure online portal.

   Frost App

Deposit checks, see all your business finances, send money and more.

Our Philosophy on Innovation:
Technology with a Human Side

Enjoy a better way of banking with our latest innovations

Dark mode

On        |  For Personal and Business

Designed to reduce eye strain and save your battery life, Dark Mode offers a fresh look on a familiar experience. It’s just another way we’re making banking with Frost better for you.

Known Caller

On        |  For Personal and Business

We’re proud to have a human answer the phone 24/7, and now speaking to them is even easier. With our Known Caller feature, every time you call from within the Frost App we’ll know it’s you without asking loads of security questions. Making sure we can help you, right when you need it.

Available on iOS and Android.

Image of known caller on Frost App

Send and Receive Money with Zelle®

On           |  For Personal

It’s easier than ever to split the bill for dinner, pay the babysitter or settle up after a road trip. With just a mobile number or email, you can send money in minutes to almost anyone in the U.S.

Explore Zelle®
Image of Zelle on Frost App

Change your PIN with ease right in the Frost App

On           |  For Personal and Business

Next time you need to change the PIN on your Frost Debit Card, you can do it right in the app — you don’t have to sit down at your desktop or call customer service. Just log into the Frost App, go to Cards > Change PIN, and make the change.

Image of Change PIN on Frost App

Biometric Login

On        |  For Personal and Business

A quick glance or the touch of a finger is all it takes to log in to the Frost App. This feature uses the latest biometric technology to create a more secure, more convenient way to access all your banking needs on the go.

Available on iOS and Android.

Image of biometric login on Frost App

Digital Wallet

For Personal

No need to take your debit card out of your wallet. Simply make purchases using your smartphone, tablet or wearable — in stores, in apps and online. And because a device-specific number and unique transaction code is used, it’s an even safer way to pay.

Available on Apple Pay, Google Pay, and Samsung Pay.

Image of debit card on Frost App

Get all the features you expect from a bank, and then some.

  • Deposit Checks Anywhere

    Deposit up to $25,000 daily with your phone’s camera

  • Pay Bills on the Go

    Pay your bills at home or on the road with a few simple steps

  • See Latest Account Activity

    Get your latest balances and transaction details

  • Account aggregation with Plaid

    See all your accounts in one place

  • Keeping Your Money Safe

    Rest assured, we prioritize your money's security and provide you with the necessary tools.

Digital fraud prevention

At Frost, keeping your information secure is our top priority. Here are a few tips to protect yourself from fraud.

  • Frost will never ask you to send money to anyone.
  • We will not reach out to you via phone or text messages to request a security code.

If you're ever asked for money or a code, beware - it's likely a fraudulence scheme.

Learn more
Animated image of a secure login

Give us your feedback on our app

We’re always looking to improve. If you’ve got a suggestion, we’d love to hear it. Don't have the app? Download it for iPhone and Android. Talk to us on Facebook and X.

Quote Icon

Best Bank in Texas. So glad we now have internet banking and now never have to use any bank but Frost.

Dorothy T.

I was pleasantly surprised to find the Frost banking app feels solid, smooth and quick, looks clean and modern, and is very user friendly.


Words cannot describe how convenient and useful it (Frost App) is.

Kim S.

Ready to open a personal checking account online?

We'll take care of everything to make it easy to open your checking account with Frost. Have these things handy.

Open Checking Accounts
  • Social Security Number

    We’re required by federal law to collect your SSN.

  • Goverment-Issued Photo ID

    This can be a driver’s license, state ID or U.S. military ID.

  • Minimum Opening Deposit

    You’ll need to make an initial deposit of $25 or more.

More convenient ways to open an account with us