Personal Checking

Grow into financial independence

The Frost Personal Account is more than an everyday checking account. It’s the beginning of a financial partnership. We champion an approach where everyone can succeed — especially students and young Texans. That’s why we’re now offering no monthly service charge on the Frost Personal Account for everyone under age 25.


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.


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 »

Map image

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


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 »

"Thanks to debit card alerts, I noticed someone shopping with my money. Frost took care of everything."
@Michelle T.

Ready to open a checking account online?

We’ll take care of everything to make it easy to open your checking account with Frost. Have these things handy.

An image of a social security card
Social Security Number

We're required by federal law to collect your SSN

An image of a photo ID
Government-Issued Photo ID

This can be a driver's license, state ID or U.S. military ID

An image of a piggy bank
Minimum Opening Deposit

You'll need to make an initial deposit of $25 or more.

If you’re under 18 years of age or if you would like to open a joint account, please visit your nearest Frost financial center.

Ready to open a checking account online?

We’ll take care of everything to make it easy to open your checking account with Frost. Have these things handy.

Social Security Number
Social Security Number
We're required by federal law to collect your SSN
Photo ID
Government-Issued Photo ID
This can be a driver's license, state ID or U.S. military ID
Opening Deposit
Minimum Opening Deposit
You'll need to make an initial deposit of $25 or more.

OPEN AN ACCOUNT

If you’re under 18 years of age or if you would like to open a joint account, please visit your nearest Frost financial center.

More convenient ways to open an account with us.

Whether you’d prefer to use our app, call us or visit us in person, it’s easier than ever to change banks.

Download the Frost App
Talk to a Frost Banker

Monday - Friday, 8 am - 7 pm
Saturday, 9 am - 1 pm
(866) 376-7889
Or request a call or email

Find a Frost Financial Center

With over 130 financial centers in Texas, we’re never too far away.
Find a location