A GUIDE TO YOUR FROST BUSINESS CHECKING ACCOUNT

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 135 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 $8
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 principal in the account each day of the period and dividing that figure by the number of days in the period.
CASH PROCESSING  
Total Cash Processed
$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
ITEM PROCESSING  
Total Items Processed
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
ATM FEES  
Frost ATMs $0
Pulse Point–of–Sale Terminals $0
Participating H–E–B® Locations $0
Participating Corner Store Locations $0
Non–Frost ATMs $2 for any inquiries, transfers or withdrawals while using a non-Frost ATM, any fees the ATM owner charges
Replacement ATM & Debit Card $0
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 PROTECTION PLANS  
Automatically transfer funds to your account from another linked account or a line of credit. There is no fee to transfer funds from your linked account or from your line of credit. However, interest will be charged on the outstanding balance of your line of credit.
OVERDRAFT FEES  
Overdrafts Created by: check, in-person withdrawal, ATM withdrawal or other electronic means $34 for each item we pay that overdraws your account more than $5, up to a maximum fee of $170 per day.
Non-sufficient Funds Fee $34 per item that we do not pay
Overdraft Protection Transfer Fee, Each Advance from:  
  • Another deposit account
$0  
  • Line of credit
    (subject to credit approval)
$0 (interest will apply on the outstanding balance)
HOW DEPOSITS AND WITHDRAWALS WORK  
How Deposits and Withdrawals Are Processed Deposits and credits are processed first. Withdrawals are processed next, in the following order:
  • ATM and debit card transaction processed in the order they are received by us
  • Wire transfers, cash withdrawals and other transactions for which authorization has already occurred, from lowest to highest
  • Loans payable to us, from lowest to highest
  • Checks and ACH transactions, from lowest to highest
  • Bank service fees, from lowest to highest
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:
  • Cash and electronic deposits—same business day
  • Checks—the business day following the date of deposit

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.

FROST ONLINE BANKING SERVICES  
Online Statement Delivery $0
Non-sufficient Funds Notification Service $0
Check Printing FEE VARIES
Replacement ATM & Debit Card $0
Statement/1099 Copy $0
Stop Payment $20 PER ITEM
SUBSCRIPTION SERVICES AVAILABLE  
View Deposited Checks $5 PER MONTH
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 Printing FEE VARIES
Cashier's Checks $5 PER ITEM
Money Orders $3 PER ITEM
Return Item $4 PER ITEM
Statement Copy $2 PER COPY
Wire Transfers FEE VARIES
Incoming Wire Transfers $12 PER ITEM
Domestic Collection Item $20 PER ITEM
Foreign Collection Item $40 PER ITEM
Stop Payment $30 PER ITEM
Hold Mail at Financial Center for Pick Up $10/MONTH
Signature Verification $3 PER MONTH PLUS $0.10 PER ITEM


Member FDIC