|Frost Business Checking Account
A checking account that adapts to the way you do business
* Web access and/or text messaging charges from your mobile carrier may apply.
|Minimum Opening Deposit||$50|
|Monthly Service Charge||$8||($9 effective May 1, 2019)|
|How to Avoid the Monthly Service Charge||$0||
Monthly Service Charge when you have ONE of the following (during each monthly statement period):
— or —
* Average daily balance is calculated by adding the principle in the account each day of the period and dividing that figure by the number of days in the period.
|Total Cash Processed||Fee|
|$50,000.01+||$1 per thousand dollars, rounded down|
|Total Items Processed||Fee|
|1,001+||$0.30 per item|
|Pulse Point–of–Sale Terminals||$0|
|Participating H–E–B®, Corner Store, and Circle K Locations in Texas||$0|
|Non–Frost ATMs||$2 for any inquiries, 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.
|Overdrafts Created by: check, in-person withdrawal, ATM withdrawal or other electronic means||$34 ($35 effective May 1, 2109) for each item we pay that overdraws your account more than $5, up to a maximum fee of $170 ($175 effective May 1, 2019) per day|
|Non-sufficient Funds Fee||$34 ($35 effective May 1, 2109) per item that we do not pay|
|Overdraft Protection Transfer Fee, Each Advance from:
• Another deposit account
• Line of credit
(subject to credit approval)
|How Deposits and Withdrawals Are Processed||
Deposits and credits are processed first. Withdrawals are processed next, in the following order:
For complete details, please refer to our Deposit Account Agreement and Other Disclosures available online or upon request.
|Funds Availability Policy||
When funds deposited to your account are generally available:
Longer delays may apply under certain circumstances. If a longer delay applies, we will notify you and funds will generally be available no later than the seventh business day.
This represents our general policy—for additional details, please refer to our Funds Availability Policy in our Deposit Account Agreement and Disclosure available online or upon request.
|Account Research/Statement Balancing||$20 per hour ($20 minimum)|
|Check Copy||$2 per item (first five items free for imaged customers)|
|Check Printing||Fee varies|
|Cashier's Checks||$5 per item|
|Money Orders||$3 ($5 effective May 1, 2019) per item|
|Return Item||$4 ($5 effective May 1, 2019) per item|
|Statement Copy||$2 per copy|
|Wire Transfers||Fee varies ($26 effective May 1, 2019)|
|Incoming Wire Transfers||$12 per item|
|Domestic Collection Item||$20 per item|
|Foreign Collection Item||$40 per item|
|Stop Payment||$20 ($30 effective May 1, 2019) per item|
|Hold Mail at Financial Center for Pick Up||$10 per month|
|Signature Verification||$3 per month, plus $0.10 per item|