Effective February 1, 2024
Member FDIC

Account Opening and Monthly Service Charge

Minimum Opening Deposit​ $50
Monthly Service Charge $15
How to Avoid the Monthly Service Charge ​$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance OR if you own a Frost Premium Account.

Interest Information

Range of Balances Interest Rate APY
$0.00 - $24,999.99 2.13% 2.15%
$25,000 - $49,999.99 2.13% 2.15%
$50,000 - $99,999.99 2.18% 2.20%
$100,000 - $249,999.99 2.28% 2.30%
$250,000 - $999,999.99 2.44% 2.47%
$1,000,000 - $2,499,999.99 3.20% 3.25%
$2,500,000 - $9,999,999.99 3.35% 3.40%
$10,000,000 - $19,999,999.99 3.49% 3.55%
$20,000,000 and Over 3.69% 3.75%
The interest rate and annual percentage yield may change at any time at our discretion. (Fees could reduce earnings on account.) Rates effective as of 07/21/2024.
How the interest is calculated We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
How Interest is Compounded Interest will be compounded and credited to the account monthly. If you close your account before the interest is credited, you will receive the accrued interest.
When Interest Begins to Accrue Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Account Limitations

Excess Withdrawal Fee

Six free withdrawals of any kind are allowed per statement cycle. There is a $5 Excess Withdrawal Fee for each additional withdrawal of any kind over six during the statement cycle. A maximum of 10 Excess Withdrawal Fees will be charged for a total of $50 per monthly statement cycle.
Account Type Change

If your account exceeds 15 withdrawals of any kind per statement cycle for three consecutive months, we will convert your Frost Money Market Account to a Frost Personal Account.

ATM Fees

Frost ATMs​ $0
Pulse Point-of-Sale Terminals $0
H-E-B, Corner Store, and Circle K Locations throughout Texas, plus CVS and Walgreens stores in Dallas and Tarrant counties $0
Non-Frost ATMs $2 for any 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 ​

Overdraft Fees

Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means

$35 for each item we pay that overdraws your account more than $5, up to a maximum fee of $105 per day.

We will not charge you an overdraft fee if:

  • your transaction is $5 or less
  • your debit card transaction was authorized with sufficient available funds
  • your debit card or ATM transaction is declined
  • your ACH or check is returned unpaid
Overdraft Protection Transfer, each advance from:
  • Another deposit account
  • Line of credit (subject to credit approval)

$0 (interest will apply on the outstanding balance)

Miscellaneous Fees

Check certification $10
Check order Fee varies
Cashier’s check $5 per item
Money order $5 per item 
Return item $0 per item 
Stop payment $30 per item
Outgoing wire transfer Fee varies
Incoming wire transfer $15 per item
Domestic collection item $20 per item
Foreign collection item $40 per item
Hold mail at financial center for pick-up $10 per month