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.
Explore checking accounts
Frost Personal Account
The essential checking account for feeling confident about your money.
- Talk to a real person 24/7
- $100 overdraft grace
- Access to direct deposits up to two days earlier
- Deposits made before 9 pm CT generally available the 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
Frost Plus Account
You’ve worked hard, now let your money work for you.
- Get all the features of the Frost Personal Account, plus:
- Open as many personal Frost Savings Accounts as you have savings goals, with no monthly service charge
- ATM fee refunds up to $5 per statement cycle when using non-Frost ATMs
- No fees for cashier’s checks, money orders and Frost branded checks
Frost Premium Account
The checking account for those who entrust us with their wealth.
- Get all the features of the Frost Plus Account, plus:
- ATM fee refunds up to $15 per statement cycle when using non-Frost ATMs
- No wire transfer or overdraft fees
- Open unlimited personal checking, savings and money market accounts with no monthly service charges
Thirteen has never made us feel luckier.
We're proud, thankful recipients of our 13th JD Power Award for "Highest Customer Satisfaction with Retail Banking in Texas."
NEW
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.
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.
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.
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.
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.
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.
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
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 see us in person – just stop by or schedule an appointment. And when you call us through the Frost App, we’ll know it’s you right away – no questions asked.
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.
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.
