Personal Checking Account Comparison Chart

Our accounts are tailored to meet you where you are in your financial life today and support you for years to come.

The U25 Frost Personal Account
The Frost
Personal Account
The Frost
Plus Account
The Frost
Premium Account
Monthly service charge and options to waive $0 if one account owner is under age 25 $8 waived with:
 
  • $100 monthly direct depositOR 
  • $1,000 minimum daily balance OR
  • $5,000 combined average daily balances in personal accounts2 OR
  • You own a Frost Premium Account
$15 waived with:
 
  • $10,000 combined average daily balances in personal accounts2 OR 
  • You are a borrower on a Frost consumer real estate secured loan OR
  • You own a Frost Premium Account
$30 waived with:
 
  • $250,000 combined average daily balances in personal deposit and qualified investment accounts3
  • 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.
Earns Interest Yes, if daily balance is $5,000 or more2 Yes, if daily balance is $5,000 or more2 Yes Yes
Supplemental accounts with no monthly service charge Unlimited Personal Savings accounts None Unlimited Personal Savings accounts Unlimited Personal Checking, Savings and Money Market accounts
Frost fee for using a non-Frost ATM $2 $2 No fee

The ATM owner may charge additional fees, which will be refunded up to $5 per statement cycle.
No fee

The ATM owner may charge additional fees, which will be refunded up to $15 per statement cycle.
Other fees Standard fees apply Standard fees apply No fee for:
 
  • Money orders
  • Cashier’s checks
  • Bank stock checks
No fee for:
 
  • Wire transfers
  • Overdrafts
  • Money orders
  • Cashier’s checks
  • Bank stock checks

Such as your paycheck, pension, Social Security or other regular monthly income
Personal deposit accounts, including checking, savings, money market, CD and IRAs
Personal deposit account, 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.

We’re here to guide you.

If you’d like to talk through the options, a Frost banker is just a phone call away.

Call us at
(866) 376-7889

Or visit your nearest
Frost financial center