banking / personal checking options

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.

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Customer Personal Debit Card
Customer Personal Debit Card
Customer Personal Debit Card
Customer Personal Debit Card
Customer Personal Debit Card
Customer Personal Debit Card

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 to 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.


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.


Real human help. Now in Live Chat.

Why would we use artificial intelligence when we have real human intelligence and understanding? Customers can now chat live in the app or when logged in online with a real Frost rep who can help you get answers fast.

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Early payday and $100 overdraft grace

Direct deposits available up to two days earlier and no fees when you overdraw your personal checking accounts by $100 or less. Learn more.

Make ends meet

Beautify your wallet

A card that carries more than money. Pay the way you want - from tap and go to digital wallet. And choose a debit card color when you open your account.

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Debit Card Alerts

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

Debit card alerts

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.

Send money to friends with Zelle

Fast access to mobile deposits

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

Frost deposit calendar

Freeze your card

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

Freeze your card

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 stop by a financial center during business hours. You can also schedule an appointment to meet with a banker at a time that's convenient for you. And when you call us through the Frost App, we’ll know it’s you right away – no questions asked.

Easy access accross the state

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

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 at (800) 513-7678 and you’ll be directly connected to a fellow Texan. With our Known Caller feature, every time you call from within the Frost App, we’ll know it’s you without asking loads of security questions. 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 – just stop by or schedule 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

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.