Business Checking Account
The Technology You Need to Do Business on Your Terms
Our top-rated apps, full-service online banking and digital deposits let you easily manage your account, in the office or on the go.*
Top-Rated Mobile Apps
Top-Rated Mobile Apps
Industry-Leading Mobile Check Deposit
Digital Deposits
3rd Largest ATM Network
Full-Service Online Banking
We Answer Our Phones
View Deposited Checks
Real time debit card alerts
Debit Card Alerts
App for iPhone

Frost App for iPhone® & Android™ Devices

The Frost App for iPhone® and Android™ devices allow you to do your banking from wherever you do business.

Download app from the apple store
Download app from the Google Play Store
Explore the Frost App

Frost App for iPhone®

There's no other app like it, with innovative features, intuitive design and a mobile banking experience that could only come from Frost.

Download app from the apple store

Frost App for Andriod™ Devices

There's no other app like it, with innovative features, intuitive design and a mobile banking experience that could only come from Frost.

Download app from the Google Play Store

Mobile and Scanner Deposits

Deposit checks anywhere with the Frost App for iPhone® or the Frost App for Android™ devices. Or from your office with a scanner or multifunction printer.

  • One of the highest daily limits in the business, up to $100,000 daily
  • Deposits made before 9 p.m. are almost always available the next business day

Desktop & Tablet Banking Tools

Our online tools are available all day, every day, to help you manage all your financial needs.

  • Deposit checks with scanner
  • Send money anywhere
  • Make a loan payment
  • Pay your bills
  • Add memos for your records
Explore Our
Online Banking for Business
Does your business need to give multiple users access to the account or make wire transfers? Explore Frost Cash Manager
View deposited check

View & Save Deposited Check Images

This optional service allows you to view, print or save images of the front and back of customer checks your business has deposited.

  • View checks and deposit slips from the past 18 months
  • Add memos to your deposits
  • Search checks by amount of deposits
  • Save to your computer or print for your records

Business customers can subscribe to use this service for $5 per month.

Debit Card Alerts

Real-time alerts are sent straight to your phone, keeping you a step ahead of fraud. And because they're personalized, you can set them up to monitor things like online purchases, out-of-country transactions or pay-at-the-pump transactions.

Learn more about Debit Card Alerts

Pricing That Adjusts to Your Needs and Your Budget
Our monthly fees are simple, straightforward and less than what some other banks charge.
Here's how your account activity determines how much you pay:
See how we compare to other banks
Estimate your monthly charges
Excess Cash Sample 1$5000$7500$7500
Cost per $1.00 Excess Cash0.0020.00150.003
Excess Cash Sample 2100001250012500
Excess Items Sample 2100100100
Cost per Excess Item0.450.40.5
Frost Business CheckingBank of America
Business Fundamentals
Total Business Checking
Wells Fargo
Gold Business Services Package
with service charge$8$16$12$14
Minimum Daily Account Balance$3,000$3,000$1,500not offered
Minimum Combined Average Daily Balances of personal & business accounts$25,000not offered$5,000not offered
150 items + $4,300 Cash Processed$8$16$12$14
200 items + $15,000 Cash Processed$18$26$23.25$36.50
700 items + $50,000 Cash Processed$103
Consider our Analyzed Account for your more complex banking needs
Daily Digital Check Deposit Limits up to $100,000*variesvariesvaries
Out-of-network ATM Fee$1.50$2.50$2.00$2.50
Overdraft Protection Transfer Fee$0$10$10$12.50
Online Transaction History and Check Images18 months12 months12 monthsCheck images up to 90 days only
Download Transactions to Quickbooks and other PFM®FreeFree$9.95/moFree
Images of Deposited ChecksAvailablenot availablenot availableAvailable
Base Account
$8 monthly service charge is WAIVED with combined average daily personal and business account balances greater than $25,000 or a minimum daily balance of $3,000. See what's included.
Items Processed Monthly
Estimate the number of monthly account items processed, such as a check deposits, checks written and checkcard purchased. See complete list.
Cash Processed Monthly
Estimate the amount of cash processed each month. This includes cash deposits and coin/currency requests like change orders and cash back.
Optional Online Services
Online Banking for Business
  • Provide read-only access to up to five employees or third-parties, such as a bookkeeper, so they can view account information but not initiate transactions
  • View images of the checks your business has deposited over the past 18 months
With Frost Digital Deposits, you can deposit checks using the Frost app for iPhone or Android Devices, a scanner or a multifunction printer. View more details.
Deposit amount
Number of monthly checks deposits
Permissions/authorities required Yes No
If you deposit more than 300 checks a month or want a multi-feed scanner, please contact a Treasury Management Specialist at (888) 481-0336.
Based on your needs, your business would benefit most from using Frost Online Banking online access for digital deposits.
Based on your needs, your business would benefit most from using Cash Manager online access for digital deposits.
View digital deposits options chart
Your Estimated Cost Per Month
This cost is based on the account activity and online services as described above and is subject to change each month, depending on your level of activity. This is not a complete representation of all account fees - refer to our schedule of fees for additional information.
View complete pricing chart
Access to Your Money, When and Where You Need It
With over 115 Frost financial centers and 1,100 Frost ATMs, and next-day access to digital deposits, you're always in business with Frost.
Fast Access to Funds

Deposits made before 9 p.m. will almost always be available the next business day. Those include deposits made with the Frost App for iPhone® and Frost App for Android™ devices, scanners or multifunction printers and Frost ATMs

Find a Frost Location Near You:

Locations Across Texas

Access your cash from 110+ Frost financial centers and 1,200+ ATMs across the state, including participating H-E-B® and Corner Store locations.

ATMs ATMs Financial Centers Financial Centers

Request a Call or Email

Service Only Frost Can Give You and Your Growing Business
We offer personalized, expert service from bankers who understand businesses in our communities.
So, as your business grows and changes, we'll know how to help you plan for the challenges ahead.

But don't take our word for it, hear what our customers have to say, or better yet, give us a call:

Bankers Who Answer Their Phones
Serving our customers with respect and courtesy is at the core of everything we do. To truly experience the difference, all you have to do is call… and we'll promise to answer.
Give it a Try at (800) 513-7678.