The checking account you need. The financial partner you want.

Experience the comfort of knowing a Frost ATM with free withdrawals is right around the corner, the convenience of the Frost App and the relief of getting a banker on the phone, 24 hours a day.

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.

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

Easy access accross the state.

Easy access to your money

From ATMs at H-E-B and Circle K to financial centers across the state, we’ll never come between you and your money.

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.

Quality features everyone qualifies for.

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


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, email or mobile number.

Fast access to mobile deposits

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

Freeze your card

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

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

When you need us, we’re here to help. When you call Frost, you’ll skip over the automated voice telling you to “press one for…”. Our number is a direct line to real Frost bankers based right here in Texas.

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

See what it’s like to bank with Frost from those who already trust us.