personal checking options / frost plus account

Frost Plus Account

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

Open account
monthly service charge
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 personal Frost Savings Accounts as you have savings goals, at 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
  • Earn interest monthly on the entire collected checking account balance at some of the highest rates in the industry
  • 24/7 customer service
  • $100 overdraft grace
  • Deposits made before 9 pm CT generally available 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
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 0.10%, with an annual percentage yield of 0.10%.

The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 12/03/2023.
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
H-E-B, 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.
Notice regarding ATM fee 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 by more than $100, up to a maximum fee of $105 per day.

We will not charge you an overdraft fee if:

  • your transaction is $5 or less
  • your debit card transaction was authorized with sufficient available funds
  • your debit card or ATM transaction is declined
  • your ACH or check is returned unpaid
Overdraft Protection Transfer, each advance from:
  • Another deposit account
  • 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 $0 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, or stop by a financial center during business hours. You can also schedule an appointment to meet with a banker at a time that's convenient for you. And when you call us through the Frost App, we’ll know it’s you right away – no questions asked.

Easy access accross the state.

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.

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.

See what our customers say about us

When you have an account with Frost, you have a relationship with Frost. We’ll answer the phone when you call 24/7, right here in Texas. Don’t take our word for it. Here’s what our customers have to say about us.