Personal Checking

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.

ATMS NEAR YOU

Texas with Location Pin

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

FIND A LOCATION

Frost App for iPhone® & Android™ Devices

iPhone and Android

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.

Apple App Store GooglePlay Store

Learn More About Our Banking Technology

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

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!"

Daniel T.

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

Give it a Try at (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.

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.

Informa logo

Information effective 11/06/2017

Data for Frost Bank, and all mobile app ratings provided by Frost Bank.