Meet new ways to make ends meet.

Sometimes your account balance can’t wait until Friday. Or you need a little understanding when you’re in a bind. We get it. Just set up direct deposit into your personal checking account to get paid up to two days earlier. Plus, don’t worry about fees if you overdraw your Frost Personal or Plus Account by $100 or less.

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Early payday

We’re making direct deposits available earlier in any Frost personal checking account. No restrictions, just your money in hand up to 48 hours sooner. That includes payroll, tax refunds, Social Security, teacher’s retirement or unemployment, too.

$100 overdraft grace

Stress less about overdrawing your Frost Personal or Plus Account. We’ll take care of any “oops, I really thought I got paid yesterday” overdraft fees if you overdraft your account by $100 or less.

For Frost Personal and Frost Plus accounts, overdrafts created by check, in person or ATM withdrawal or other electronic means will not be charged a $35 overdraft fee if you overdraw your account $100 or less under our standard overdraft practices.

This is a discretionary service and the bank reserves the right not to pay items against insufficient funds, such as when your account is not in good standing or you are not making regular deposits or you have too many overdrafts. You will be responsible for making a deposit as soon as possible to bring your account back to a positive balance.

Don’t worry - qualifying is simple.

If you have a direct deposit set up to go into any Frost personal checking account*, you’re qualified to get those funds up to two days early. It’ll happen automatically. The timing of your direct deposit is based on the payer’s payment instruction. For example, some instructions are sent one day early instead of two.

And you’re automatically enrolled in our $100 overdraft grace feature if you have a Frost Personal or Plus Account under our standard overdraft practices.

*Direct deposits into a Frost Personal Savings or Money Market Account do not qualify for early access.

Direct Deposit
Don't have direct deposit?

Print and fill out our Switch Direct Deposit form, then give it to the company making your direct deposit. For payroll direct deposit, you should give the completed form to your Human Resources contact.

Employer doesn't offer direct deposit?

Have them call us at (800) 513-7678 to discuss how we can help them with payment processing. Then, once you and your employer are set up for direct deposit, you'll automatically qualify to receive direct deposits up to two days sooner.

Even more account features to help you stay on top of your finances, hassle-free.

Plenty of ways to get to your money.

With the largest ATM network in Texas, you can enjoy fee-free ATM withdrawals from more than 1,700 locations. Get cash at
H-E-B or Circle K wherever you go across the state, and in Walgreens and CVS stores in Dallas and Tarrant County. Plus, with over 90 motor bank drive throughs, and 180+ financial centers, it’s easy to find Frost nearby.

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Fast access to mobile deposits.

Snap a photo by 9 pm CT to have access to deposited checks, generally by the next business day.

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