Personal Checking Options  / Personal Checking Comparison Chart

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

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

Personal Checking Account Comparison Chart

The Frost
Frost Personal Account
The Frost
Frost Plus Account
The Frost
Frost Premium Account
Monthly service charge and options to waive $8 waived with:
 
  • $100 monthly direct depositOR 
  • $1,000 minimum daily balance OR
  • $5,000 combined average daily balances in personal accounts2 OR
  • Account owner under the age of 25
  • 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, including mortgage 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 Yes
Supplemental accounts with no monthly service charge None Unlimited Personal Savings accounts Unlimited Personal Checking, Savings and Money Market accounts
Frost fee for using a non-Frost ATM $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 No fee for:
 
  • Money orders
  • Cashier’s checks
  • Frost branded checks
No fee for:
 
  • Wire transfers
  • Overdrafts
  • Money orders
  • Cashier’s checks
  • Frost branded checks

1 Such as your paycheck, pension, Social Security or other regular monthly income

2 Personal deposit accounts, including checking, savings, money market, CD and IRAs

3 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.

Some other accounts you may be interested in

Personal Savings accounts
Having high savings interest rates is a priority for us. It’s one of the ways we put our customers first and help them grow financially.
Personal Loan accounts
Find the right solution and support you each and every step of the way.
Personal Investment
Let’s start building your financial plan together. There’s no pressure, no obligation and no charge to you.