Frost Plus Account
The checking account to support your growing success, your plans and your lifestyle.
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 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
Save for every little thing.
And big things, too.
Open unlimited Personal Frost Savings accounts with no monthly service charge. Separate accounts for each goal make it easier to track your progress as you save for a new car, dream vacation or build up your emergency fund.
Get quick access to your funds
When you deposit money by 9 pm CST it will generally be available for bills, shopping or whatever you need by the next business day.
Settle up or get paid. Instantly.
If you’ve got their email address or mobile number, you can send, request or receive money from friends or family with Zelle®. No matter who they bank with.*
* Must hold a U.S. bank account, email or mobile number.
Stay ahead of fraud
With customizable Debit Card Alerts, you’ll hear from us right away if a transaction on your account looks suspicious, and we’ll take care of it.
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.
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.
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.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
$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.
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
$35 for each item we pay that overdraws your account more than $5, up to a maximum fee of $175 per day.
$35 per item that we do not pay
$0 (interest will apply on the outstanding balance)
$20 per hour ($20 minimum)
$2 per item (first five items free for imaged customers)
Free bank stock checks, otherwise fee varies
$5 per item
$2 per copy
$30 per item
$20 per item
$40 per item
$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.
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 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
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