The Personal Checking Account
That keeps Getting Better
Expect the Access and Experience You Deserve
We offer a combination of convenience, technology and service that the big banks can't touch.
ATMS NEAR YOU
Access your cash 110+ Frost financial centers and 1,200+ ATMs across Texas, including participating H-E-B® and Corner Store locations.
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.
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.
Talk to a Real Person
"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!"
When you call, we answer right here in Texas. Sound too good to be true?
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.
MONTHLY SERVICE CHARGE
|With||Frost Personal Account||Bank of America Core Checking||Chase Total Checking||Wells Fargo Everyday Checking|
|With service charge||$8||$12||$12||$10|
HOW TO AVOID MONTHLY SERVICE CHARGE
|Charge||Frost Personal Account||Bank of America Core Checking||Chase Total Checking||Wells Fargo Everyday Checking|
|Direct deposit||$100 montly*||$250 monthly||$500 monthly||$500 monthly|
|Minimum daily balance||$1000||$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|
TOP ACCOUNT FEATURES
|Features||Frost Personal Account||Bank of America Core Checking||Chase Total Checking||Wells Fargo Everyday Checking|
|App for iPhone®||4 Stars||3.5 Stars||4.5 Stars||3 Stars|
|App for Android™ Devices||4.5 Stars||4.3 Stars||4.6 Stars||4.3 Stars|
|Mobile check deposit $ amount limits||Up 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 deposit||Yes||No||No||No|
|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 tree||Automated directory tree||Automated 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)|
STUDENTS PAY ONLY $4 OR NOTHING AT ALL.
*Such as your paycheck, pension, Social Security or other regular monthly income. Source: Informa Research Services, Calabasas, CA, www.informars.com. Although information has been obtained from the various financial institutions, the accuracy cannot be guaranteed.
Information effective 10/02/2017
Data for Frost Bank, and all mobile app ratings provided by Frost Bank.