Personal Checking / Under 25 Account

Frost Under 25 account

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.

0 monthly service charge with one account owner under 25

OR

  • Direct deposits*, mobile deposits, debit card credits** or Zelle credits totaling $100 or more
  • Keep a minimum daily balance of $1,000 OR
  • Combined average daily balance in personal accounts of $5,000***
Open an Under 25 account

*Direct deposits may include paychecks, pensions, Social Security or other monthly deposits through the ACH system.
**Debit Card credits include non-Zelle P2P transactions such as Venmo, Cash App, PayPal, and Apple Cash.
***The average daily balance is calculated by adding the principal for each day of the period and dividing that figure by the number of days in the period.​

Image of mother and son opening an account

The benefits of banking with Frost begin here

  • No monthly service charge for account owners under the age 25
  • $100 overdraft grace
  • Access to direct deposits up to two days earlier
  • Deposits made before 9 pm CT generally available next business day
  • Bank anytime with our mobile app
  • 1,700+ ATMs including H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in North Texas

It’s about getting you the best savings interest rates

Interest rates continue to rise and we keep working quickly to pass those rates on you. At Frost, having higher savings interest rates is a priority for us. It’s one of the many ways we put our customers first and help them grow financially.

piggy bank

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

  • Government-issued photo ID

    This can be a driver’s license, state ID or U.S. military ID for each account signer

  • Minimum opening deposit

    You’ll need to make an initial deposit of $50 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.

Open now

Experience the Frost difference

At our core, we’re just people helping people. We’re passionate about supporting your financial goals, keeping your money accessible and offering help when you need it.

Real human support

Here for you all day. And all night. Don’t let your financial questions or concerns make you lose sleep. Give us a call 24/7 at (800) 513-7678 or schedule an appointment to see us in person during business hours.

Easy access to your money

Enjoy fee-free ATM withdrawals at H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in Dallas and Tarrant County.

Providing peace of mind

Our technology and security tools, like freezing your card in the app or customizing debit card alerts, are designed to help you feel more in control of your own money.

See what our customers say about us

When you have an account with Frost, you have a relationship with Frost. We’ll answer the phone when you call 24/7, right here in Texas. Don’t take our word for it. Here’s what our customers have to say about us.

There are no surprises charges, they’re always there to help people. I’ve always been very happy with Frost

Virginia T
Customer for 10+ years

This sounds so silly, but i love my bank. I love the friendliness, I love the customer service, I love how they treat you the same regardless of if you have $10 or $10 million.

Diana V
Customer for 10+ years

I love the ability to contact customer service 24/7 and now many of the issues I have are fixable on my app.

Becky A
Customer for 8+ years

We believe there is only so much you can learn from a website
Open an account