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When life happens, Frost’s overdraft services have you covered

We’ve all been there. When this month’s paycheck posted later than usual. Or that time an out-of-the-blue expense showed up. With overdraft services, you’re taken care of — they’re there when you need them. And with $100 overdraft grace, you won’t have to worry about fees when your personal Frost checking account is overdrawn by $100 or less.1

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Frost’s overdraft services Types of overdraft coverage Managing your finances Overdraft services FAQs

Over-the-top service, even for overdrafts

Being there for you is what we do, especially during those “aw, man” moments. Our overdraft services provide peace of mind for any curveball that comes your way.

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  • $100 overdraft grace
    If you overdraw your personal Frost checking account by $100 or less, we'll cover the overdraft fee when you're opted into our overdraft coverage options.1 
  • It’s like a safety net
    Handle surprise financial needs without the inconvenience of payment rejections.
  • Fewer fees & less stress
    No fees on transactions under $5, returned transactions due to non-sufficient funds or declined debit card transactions and — most importantly — no worries.

Overdraft coverage comes in three forms at Frost

Who doesn’t like options? Go with one, some, all or none. Whatever best fits you. 

What it does
Enrollment
Applicable fees
Overdraft protection Automatically transfers available funds from a linked Frost checking, savings or line of credit to cover overdrafts Link an eligible Frost checking or savings account, or line of credit There are no fees for transferring funds to cover overdrafts. Interest may apply if using a line of credit
Standard overdraft practices At Frost's discretion, we authorize and pay overdrafts for checks, ACH transactions, recurring payments or any transactions using your account number Included with every personal Frost checking account1 $35 fee for each transaction that overdraws your account by $5 or more

For accounts with $100 overdraft grace, no overdraft fee will be charged if your account is overdrawn by $100 or less
Debit card transactions Extends standard overdraft practices for everyday debit card purchases Must opt into our standard overdraft practices and debit card coverage $35 fee for each transaction that overdraws your account by $5 or more

For accounts with $100 overdraft grace, no overdraft fee will be charged if your account is overdrawn by $100 or less
Decline overdraft coverage You can choose to decline all overdraft options. If you choose to decline all options, transactions that exceed your available balance, including checks, ACHs, and everyday debit card transactions will be returned or declined. There is no fee for transactions we decline or return.
1 Frost offers courtesy overdraft services to cover a transaction when you don’t have enough money in your checking account. 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. 

Keeping up with your account

Preventing overdrafts starts with proactively managing your finances — and it’s often as simple as checking your account once a month. Here are some easy ways to stay on top of your money at Frost: 

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Frequently asked questions

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Frost offers a standard courtesy overdraft program as a way to cover a transaction when you don’t have enough money in your account.

Depending on your overdraft coverage selection, we may: 

  • Pay the transaction and overdraw your account
  • Decline or return the transaction if there are not enough funds available

If we pay the transaction and it overdraws your account, you are responsible for repaying the negative balance. Fees may apply based on the overdraft coverage you selected.

The $100 overdraft grace feature allows you to overdraw your account up to $100 or less without being charged an overdraft fee. If your overdrawn balance exceeds $100, overdraft fees may apply. We offer this feature on eligible Frost personal checking accounts to help customers avoid overdraft fees on small, unexpected expenses, but you’ll still need to repay any overdrawn amount. Please note, if you decline any type of overdraft coverage, this feature will not be available to you.

Your overdraft coverage options will be reviewed and decided at the time of account opening, but you can update your overdraft coverage at any time. To make a change, you can: 

 
  • Call us at (800) 513-7678
  • Log into Frost Online Banking → Account Services → Change card overdraft status 
  • Stop by your nearest financial center 
  • Mail your request to Frost, Attn: CIF, P.O. Box 1600, San Antonio, TX 78296 

If you decline all coverage, this means you do not want us to authorize or pay any items that will overdraw your account, including checks, automatic bill payments and other withdrawals in addition to debit card transactions.

Your transaction will be returned or declined. There is no fee for returned or declined transactions. You may incur merchant fees on items that are returned due to non-sufficient funds. 

Yes, pending transactions can affect your available balance. Even though they haven’t posted yet, they may reduce the amount of money available in your account. However, if your account has sufficient funds at the time you make a purchase, Frost won't charge an overdraft fee on that transaction — even if your account balance settles negative due to other subsequent transactions.  

Example: You have $100 available in your account and use your debit card to make a $50 purchase. The purchase is authorized because you have sufficient available funds but it still shows as pending. Later, other transactions post to your account and reduce your available balance before the $50 purchase is submitted for payment. Even though your account has a negative available balance when the purchase settles, Frost won't charge an overdraft fee on that $50 debit card transaction if there is an overdraft because you had sufficient available funds when it was authorized.

An overdraft fee occurs when we pay a transaction that exceeds your available balance, causing your account to go negative.

A non-sufficient funds, or NSF, fee can occur when you don't have enough money in your account to cover a payment. While other financial institutions may charge a fee, Frost does not. However, vendors you are attempting to pay may charge their own fees.

Try Frost checking or check your current overdraft coverage

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