Personal Checking Options

Checking that's positively personal Checking that's positively personal

We’re proud to support you where you are today and help you grow to meet your goals. All of our accounts are carefully designed to offer exceptional value, technology and security tools, easy access to funds and unrivaled customer service. We get to know you. We answer your questions and truly care about your financial well-being.


Let’s explore your options.

The Frost Personal Account

Essentials for feeling confident about your money.

You’ll be empowered to make smart financial choices now and begin to focus on your goals for the future.

Key Benefits:
  • $8 monthly service charge waived with $100 monthly direct deposit, $1,000 minimum daily balance or $5,000 combined average daily balances of personal deposit accounts*
  • A mobile app loaded with convenience and security features
  • 24/7 phone support to always be able to talk to a real person about your account
  • Debit Card Alerts for peace of mind and the ability to stop fraud in its tracks
  • 1,200+ ATM locations including H-E-B®, Circle K and Corner Store locations

View Schedule of Fees »

OPEN AN ACCOUNT ONLINE

Have your social security number, a valid photo ID and your opening deposit handy.

The U25 Frost Personal Account

The account to start young adults on the right financial footing.

Joining the workforce, furthering your education or sorting out adulthood is complex enough. We’re here to keep your financial life simple and help you make smart choices for your future.

Key Benefits:
  • No monthly service charge if you’re under 25
  • A mobile app loaded with features you’ll love to use
  • 24/7 phone support to always be able to talk to a real person about your account
  • Debit Card Alerts for peace of mind and the ability to stop fraud in its tracks
  • Deposit checks using your phone

View Schedule of Fees »
 

OPEN AN ACCOUNT ONLINE

Have your social security number, a valid photo ID and your opening deposit handy.

The Frost Premium Account

The account for those who entrust us with their wealth.

At a certain point in your life, you come to expect more. The Frost Premium Account is tailored to those who rely on us to help manage, preserve and protect their wealth.

Key Benefits:
  • $30 monthly service charge waived with combined average daily balances of $250,000 in your personal deposit and qualified investment accounts **1
  • No ATM fees from Frost when you’re traveling and using non-Frost ATMs, plus $15 refund per statement cycle of ATM owner fees when using a non-Frost ATM
  • Interest earned monthly based on the entire collected balance in your account
  • Unlimited personal checking, savings and money market accounts with no monthly service charge
  • No wire transfer, overdraft or other miscellaneous fees

View Schedule of Fees »

Open a Frost Premium Account at your local financial center.
FIND A LOCATION

 

The Frost Plus Account

The account for your ambitions, your plans and your lifestyle.

You’ve worked hard. Now let your money work for you. This account supports your growing success with a variety of benefits even beyond those that come standard with every Frost relationship.

Key Benefits:
  • $15 monthly service charge waived with combined average daily balances of $10,000 in personal deposit accounts* or if you are a borrower on a Frost consumer real estate secured loan
  • No ATM fees from Frost when you’re traveling and using non-Frost ATMs, plus $5 refund per statement cycle of ATM owner fees when using a non-Frost ATM
  • Interest earned monthly based on the entire collected balance in your account
  • Unlimited personal Frost Savings Accounts with no monthly service charge to help you set money aside for specific goals
  • Free cashier’s checks and money orders

View Schedule of Fees »

OPEN AN ACCOUNT ONLINE

Have your social security number, a valid photo ID and your opening deposit handy.

Compare the details for all our checking accounts.

View Account Comparison Chart »

1 If the $250,000 combined average daily balance requirement is not met for three consecutive statement cycles, the account will automatically convert to a Frost Personal Account.
* Personal deposit accounts, including checking, savings, money market, CD and IRAs.
** Personal deposit accounts, including checking, savings, money market, CD and IRAs. Qualifying investment and trust accounts are offered through Frost Brokerage Services, Inc., Member FINRA/SIPC, Frost Investment Services LLC, a registered investment adviser, and Frost Wealth Advisors, and include personal accounts, 529 plans, and revocable personal trust accounts. Retirement and employee benefit plan investment accounts do not qualify.


The Frost Difference

Bank anywhere, anytime.

Our app and online banking put you in charge of managing your finances wherever and whenever it’s convenient.

Learn more about technology »

We’re in your neighborhood.

With 1,200+ ATMs and 140+ financial centers across the state, you’ll never be far from Frost. And you can get a Frost banker on the phone, right here in Texas, 24/7.

Find your local financial center »

Keeping your money secure is our top priority.

We do everything possible to help safeguard your money and personal information.

Learn more about security »

“What I like most is that you tell the truth. No hidden fees. No sudden surprises.”
@Susan B.

We’re doing more to support your financial health.

Beyond bringing you the right checking account, we provide tips to improve your whole financial life.

The research backing our Opt for Optimism initiative found three habits often practiced by optimists. It proves that a simple mindset shift can make a big difference in money matters. We’ve created this video series to help you work these habits into your daily life.

Watch the videos »