Personal Checking Account
Becoming a Frost Customer is Easy. Find Out How to OPEN AN ACCOUNT
Expect the Access and Experience You Deserve
We offer a combination of convenience, technology and service that the big banks can't touch.
3rd Largest ATM Network
2nd Largest
ATM Network
Top-Rated Mobile Apps
Mobile Apps
Industry-Leading Mobile Check Deposit
Mobile Check Deposit
Debit Card Alerts
Debit Card Alerts
We Answer Our Phones
We Answer
Our Phones
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

App for iPhone

Frost App for iPhone® & Android™ Devices

It's everything you'll love about banking with Frost right in the palm of your hand. Experience our unique design and innovative features for yourself.

Download app from the apple store
Download app from the Google Play Store
Learn More About Our
Banking Technology

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 ANDROID™ 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 Check Deposit

Other banks have mobile check deposit, but the Frost app lets you deposit up to $25,000 daily. And if you make your deposit before 9pm, your funds will almost always be available the next day.

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

"Opened an account as a new Frost customer over the weekend. Made my first phone call this morning and was answered by an actual live human being! That is awesome!"
Daniel T.

Talk to a Real Person

When you call, we answer right here in Texas. Sound too good to be true?

Give it a Try at 1-800-513-7678.

Expect to Get More and Pay Less
Price is important to you, so our monthly service charge is lower than the big banks’ and easier to waive. It’s an outstanding value you won’t find anywhere else.
Frost Personal AccountBank of America
Core Checking
Total Checking
Wells Fargo
Everyday Checking
with service charge$8$12$12$10
direct deposit$100 monthly*$250 monthly$500 monthly$500 monthly
minimum daily balance$1,000$1,500$1,500$1,500
combined avg daily deposit balance$5,000
(Checking, Savings, Money Market Account, CD, IRA)
N/A$5,000 (Checking, Savings, Money Market Account, Wealth Mgt, Prepaid Debit Card, CD, IRA)N/A
App for iPhone®4 Stars3.5 Stars4.5 Stars3 Stars
App for Android Devices4.5 Stars4.3 Stars4.6 Stars4.3 Stars
mobile check deposit $ amount limitsUp To $25,000 daily$2,500 monthly (1st 3 months), $10,000 monthly (after 3 months)$2,000 daily, $5,000 every 30 days$1,000 daily, $3,000 every 30 days (1st 6 months),$2,500 daily, $5,000 every 30 days (after 6 months)
day 1 access to mobile check depositYesNoNoNo
out of network ATM fee$2$2.50$2.50$2.50
who answers your phone call?Real person answers
phone right here in Texas.
Automated directory treeAutomated directory treeAutomated directory tree
overdraft protection transfer fee$0
(Checking, Savings, Money Market Account, Line of Credit)
$12 (Checking, Savings, Money Market Account, HELOC, CC: <$12 =$0/$12 or greater = $12)$0 (Savings, Money Market Account)$12.50 (Savings, Money Market Account, Line of Credit, CC: <$50 =$12.50/$50 or greater = $20)