Personal Checking & Bank Accounts

Every relationship with Frost begins here.

The Frost Personal Account is more than an everyday checking account. It's the beginning of a financial partnership. That's because we champion an approach where everyone can succeed. We get to know our customers. We care about their financial well-being. We do right by them. And we're committed to making a positive impact in the neighborhoods we share.

Pay $8 or nothing at all.

Getting more for less is always better. That’s why our monthly service charge is lower than the big banks and easier to waive.

And we offer an optional overdraft protection coverage at no charge.

See all account features and fees »

"What I like most is that you tell the truth. No hidden fees. No sudden surprises."
@Susan B.

Send money

Make your own bank hours.

Manage your money whenever it’s convenient for you. With the Frost App, you enjoy features that let you:

See all your financial accounts
View all of you accounts, including your mortgage, credit card or 401(k) at other financial institutions, not just those held at Frost.

Deposit checks with your phone
Deposit up to $25,000 daily with funds generally available the next business day.

Send and receive money with Zelle®
Send money quickly and securely by text or email.

Explore technology »

"Best banking app ever! I love that I can see all of my accounts from various credit card companies on it."
@CFHoustonian

Always know where to find us.

With 1,200+ ATMs and 130+ financial centers across the state, you’ll never be far from Frost. And you can talk to a Frost banker who always answers the phone, right here in Texas.

Find a location near you »

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"Best customer service ever. Nicest and happiest employees ever. And y’all give me cookies when I turn up in person."
@Annie B.

Freeze your card

Rest assured your money is safe.

We do everything possible to protect your money and your personal information. And we give you the tools to do the same.

Debit Card Alerts
Real-time alerts sent straight to your phone, keeping you a step ahead of fraud.

Freeze Your Card
Freeze a missing debit card. And when you get it back, unfreeze it.

Biometric Authentication
Access to the Frost App with your fingerprint or facial recognition, some of the most secure ways to log in.

Learn more about security »