personal checking options / frost 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.

Open an Under 25 Account
monthly service charge with one account owner under 25
  • Direct deposit totaling $100+ per month OR
  • Keep a minimum daily balance of $1,000 OR
  • Combined average daily balance in personal accounts of $5,000

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

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

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.

Why Frost?

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) 513-7676, 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 including freezing your card in the app or customizing Debit Card Alerts are designed to help you feel more at ease that you can monitor your own money.

There are no surprise 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