personal / frost plus account

Frost Plus Account

The checking account to support your growing success, your plans and your lifestyle.

15
monthly service charge
0
monthly service charge when you meet any one of the following:
  • combined average daily balances of $10,000 in personal deposit accounts* OR
  • you’re a borrower on a Frost consumer real estate secured loan

Features designed to exceed your expectations

  • Open as many fee-free savings accounts as you have savings goals
  • ATM fee refunds up to $5/per statement cycle when using non-Frost ATMs
  • No fees for cashier’s checks and money orders
  • Earn interest monthly on checking account balance
Our fine print has nothing to hide

Interest rate and APY

The interest rate paid on the entire collected balance in your account will be 0.01%, with an annual percentage yield of 0.01%. Rates effective 03/24/2021.


The interest rate and annual percentage yield may change at any time at our discretion.

How the Interest Rate is Calculated

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.

How Interest is Compounded

Interest will be compounded and credited to the account monthly. If you close your account before the interest is credited, you will receive the accrued interest.

When Interest Begins to Accrue

Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Frost ATMs

$0

Pulse Point-of-Sale Terminals

$0

HEB, Corner Store, and Circle K Locations in Texas

$0

Non-Frost ATMs

$0 Frost fee for any Inquiries, Transfers or Withdrawals while using a non-Frost ATM. The ATM owner may charge additional fees, which will be refunded up to $5 per statement cycle.

ATM fees charged by others

If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or an automated transfer network and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer ​

Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means

$35 for each item we pay that overdraws your account more than $5, up to a maximum fee of $175 per day.

Non-sufficient Funds

$35 per item that we do not pay

Overdraft Protection Transfer, each advance from another depost account

$0

Overdraft Protection Transfer, each advance from Line of credit (subject to credit approval)

$0 (interest will apply on the outstanding balance)

Account research/Statement balancing

$20 per hour ($20 minimum)

Check certification

$10

Check copy

$2 per item (first five items free for imaged customers)

Check order

Free bank stock checks, otherwise fee varies

Cashier’s check

$0

Money order

$0

Return item

$5 per item

Statement copy

$2 per copy

Stop payment

$30 per item

Outgoing wire transfer

Fee varies

Incoming wire transfer

$15

Domestic collection item

$20 per item

Foreign collection item

$40 per item

Hold mail at financial center for pick-up

$10 per month

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.

Here all day. And all night.

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

Easy access accross the state.

Easy access to your money

From ATMs at H-E-B and Circle K to financial centers across the state, we’ll never come between you and your money.

Providing peace of mind.

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.

There are no surprise charges, they’re always there to help people. I’ve always been very happy with Frost.

Virginia T., Customer for 10+ years

This sounds so silly, but I love my bank. I love the friendliness, I love the customer service, I love how they treat you the same regardless of if you have $10 or $10 million.

Diana V., Customer for 10+ years

I love the ability to contact customer service 24/7 and now many of the issues I have are fixable on my app.

Becky A., Customer for 8+ years