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 FrostPersonal Account The FrostPlus Account The FrostPremium Account Monthly service charge and options to waive $8 waived with: Direct deposits*, mobile deposits, debit card credits** or Zelle credits totaling $100 or more OR $1,000 minimum daily balance OR $5,000 combined average daily balances*** in personal deposit accounts, including checking, savings, money market, CDs and IRAs 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 accounts** 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 accounts**** 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 more** 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 *Direct deposits may include paychecks, pensions, Social Security or other monthly deposits through the ACH system **Debit Card credits include non-Zelle P2P transactions such as Venmo, Cash App, PayPal, and Apple Cash. ***The average daily balance is calculated by adding the principal for each day of the period and dividing that figure by the number of days in the period. ****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. Explore Savings Options Personal Loan accounts Find the right solution and support you each and every step of the way. Learn more about loans Personal Investment Let’s start building your financial plan together. There’s no pressure, no obligation and no charge to you. Learn more about investments We're here to guide you If you’d like to talk through the options, a Frost Banker is just a phone call away. Get in touch Find a location