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 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
  • 24/7 customer service
  • $100 overdraft grace
  • Deposits made before 9 pm CT generally available next business day
  • Bank anytime with our mobile app
  • 1,300+ ATMs including H-E-B and Circle K locations
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%.

The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 11/30/2021.
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 presented for payment we pay that overdraws your account by:
  • more than $5 under our standard overdraft practices.
  • more than $100 if your account is eligible for and you have not opted out of our standard overdraft practices and have direct deposits posted to your account totaling at least $500 within the past 33 days prior to the overdraft. Direct deposits are an electronic payment method that uses the ACH network to move money between banks and deposit funds electronically into a bank account rather than through a physical, paper check. The most common types of ACH direct deposits include payroll, government benefits and tax refunds. Direct deposits do not include internal bank transfers or digital deposits.
There is a maximum overdraft fee of $175 per day.
Non-sufficient Funds $35 per item - If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item and we return it due to non-sufficient funds. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an overdraft, you will be charged the corresponding fee.
Overdraft Protection Transfer, each advance from:
  • Another deposit account
  • Line of credit (subject to credit approval)
 

$0
$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, or schedule an appointment to see us in person during business hours.

Easy access accross the state.

Easy access to your money

Enjoy fee-free ATM withdrawals at H-E-B and Circle K and find financial centers wherever you go across the state.

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