banking / personal

Bank where you matter

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.

Standard features that are anything but.

We believe everyone should have access to the kinds of features and benefits that make life easier, no matter the size of your account.


Get direct deposits up to two days earlier

Access your direct deposits up to two days earlier in any Frost personal checking account. Use your money however you need, sooner. We post qualifying direct deposits throughout the day as we receive notification the payment is coming in.

Get direct deposits up to two days earlier.


Say goodbye to fees on overdrafts of $100 or less

And say hello to a more understanding overdraft program that won’t ding you for being human. So if forgetting to cancel a $7 auto-renewal causes you to overdraw your account by $100 or less, we won't charge you a $35 fee as long as you meet qualifying conditions.


Beautify your wallet

Pay the way you want—from tap and go to digital wallet. And choose a debit card color when you open your account.

Debit Card Alerts

We watch every account for fraud and will send you a text to alert you if something looks suspicious.

Send Money with Zelle

Split the bill or pay back a friend quickly and securely by text or email with Zelle*.

* Must hold a U.S. bank account and email or mobile number.

Fast access to mobile deposits

Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.

Freeze your card

Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.

Experience the Frost difference

Here all day. And all night.

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 accross the state.

Easy access to your money

Enjoy fee-free ATM withdrawals at H-E-B and Circle K and find financial centers wherever you go across the state.

Providing peace of mind.

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.

Everybody’s human. So it makes sense to get help from one.

When you need us, we're here to help. Give us a call 24/7 and you'll be directly connected to a fellow Texan. Zero call trees, just real human help when you need it. And if you want to see us in person, you can do that, too, by scheduling an appointment.

A Frost Banker

Bank the way you want

The only time we’ll leave you in the dark

We believe technology should make people’s lives better.

Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too.

The frost app in the light theme The frost app in the dark theme

Our customers say it best