A Guide to Your Frost Business Checking Account

Effective May 2019
Member FDIC

Account Overview

Frost Business Checking Account

A checking account that adapts to the way you do business
  • Account activity determines what you pay each month
  • Includes access to a Frost Banker, access to a High-Yield Money Market Account, basic online banking, basic mobile banking *, Frost Debit Card, online statement delivery, access to more than 1,200 ATM locations and more than 130 Frost financial centers

* Web access and/or text messaging charges from your mobile carrier may apply.

Account Opening and Monthly Service Charge
Minimum Opening Deposit $50
Monthly Service Charge $9
How to Avoid the Monthly Service Charge $0

Monthly Service Charge when you have ONE of the following (during each monthly statement period):

  • a $3,000 minimum daily balance in this account

or

  • $25,000 combined average daily balances* of personal and business accounts

* 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.

Item Processing
Total Items Processed Fee
0-200 $0
201-300 $10
301-400 $20
401-500 $30
501-600 $40
601-700 $50
701-800 $60
801-900 $70
901-1,000 $80
1,001+ $0.30 per item
Cash Processing
Total Cash Processed Fee
$0-$5,000.00 $0
$5,000.01-$10,000.00 $5
$10,000.01-$15,000.00 $10
$15,000.01-$20,000.00 $15
$20,000.01-$25,000.00 $20
$25,000.01-$30,000.00 $25
$30,000.01-$35,000.00 $30
$35,000.01-$40,000.00 $35
$40,000.01-$45,000.00 $40
$45,000.01-$50,000.00 $45
$50,000.01+ $1 per thousand dollars, rounded down
ATM Fees
Frost ATMs $0
Pulse Point–of–Sale Terminals $0
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.

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 $175 per day
Non-sufficient Funds $35 per item that we do not pay
Overdraft Protection Transfer, Each Advance from:

• Another deposit account

• Line of credit
(subject to credit approval)



$0


$0 (interest will apply on the outstanding balance)

Miscellaneous Fees
Account Research/Statement Balancing $20 per hour ($20 minimum)
Check Certification $10
Check Copy $2 per item (first five items free for imaged customers)
Check Order Fee varies
Cashier's Check $5 per item
Money Order $5 per item
Return Item $5 per item
Statement Copy $2 per copy
Stop Payment $30 per item
Wire Transfer Fee varies
Incoming Wire Transfer $12 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
Signature Verification $3 per month, plus $0.10 per item

Member FDIC

R(05/19)