Personal Banking / Personal Checking Options

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.

Explore checking accounts
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Neve C. Customer since 2005

Checking Accounts

Savings accounts that always put your best interest first

Save for whatever makes you smile — at a rate that feels just as great. We’ll help you make the most of your money, so you can get closer to what matters most in your life

Discover our rates
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Standard features that are anything but

We believe everyone should have access to the kinds of features and benefits that make life easier,
no matter the size of your account.

Real human help. Now in Live Chat.

Why would we use artificial intelligence when we have real human intelligence and understanding? Customers can now chat live in the app or when logged in online with a real Frost rep who can help you get answers fast.

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Early payday and $100 overdraft grace

Direct deposits available up to two days earlier and no fees when you overdraw your personal checking accounts by $100 or less. Learn more.

Make ends meet

Beautify your wallet

A card that carries more than money. Pay the way you want - from tap and go to digital wallet. And choose a debit card color when you open your account.

Image of debit cards

Debit Card Alerts

We watch every account for fraud and will send you a text to alert you if something looks suspicious.

Debit card alerts

Send Money with Zelle®

Split the bill or pay back a friend quickly and securely by text or email with Zelle*.

* Must hold a U.S. bank account and email or mobile number.

Send money to friends with Zelle

Fast access to mobile deposits

Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.

Frost deposit calendar

Freeze your card

Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.

Freeze your card

Early payday and $100 overdraft grace

Direct deposits available up to two days earlier and no fees when you overdraw your personal checking accounts by $100 or less.

Make ends meet

Beautify your wallet

A card that carries more than money. Pay the way you want - from tap and go to digital wallet. And choose a debit card color when you open your account.

Image of debit cards

Debit Card Alerts

We watch every account for fraud and will send you a text to alert you if something looks suspicious.

Send Money with Zelle®

Split the bill or pay back a friend quickly and securely by text or email with Zelle*.

* Must hold a U.S. bank account and email or mobile number.

Fast access to mobile deposits

Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.

Freeze your card

Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.

Experience the Frost difference

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
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
Our technology and security tools, like freezing your card in the app or customizing Debit Card Alerts, are designed to help you feel more in control of your own money.

Everybody’s human. So it makes sense to get help from one.

When you need us, we’re here to help. Give us a call 24/7 at (800) 513-7678 and you’ll be directly connected to a fellow Texan. With our Known Caller feature, every time you call from within the Frost App, we’ll know it’s you without asking loads of security questions. Zero call trees, just real human help when you need it. And if you want to see us in person, you can do that too – just stop by or schedule an appointment.

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A Frost Banker

Bank the way you want

The only time we’ll leave you in the dark

We believe technology should make people’s lives better.

Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too.

Explore the Frost App
The frost app in the light theme The frost app in the dark theme

Their customer service is amazing, I’ve never felt so close to my banker before. It’s a bank where you feel at home.

Anum L.,
Customer since 2020

I love love love my bankers, Tyler and Maria. They are so amazing.

Ekila C.,
Customer since 2019

I’ve really enjoyed the philosophy Frost has. A lot of their employees are long term employees, [Frost] takes care of them. That really impressed me. I have the same philosophy, I really dig that about Frost.

Spencer C.,
Customer since 2018

I’ve been with Frost Bank for 40 years. Anytime I need something from Frost, I pick up the phone, and they’re there for me.

Juan M.,
Customer since 1981

No other bank treated me like these guys. I could call Jaime right now and it’s like he knows me personally. He makes me real comfortable.

Ralph W.,
Customer since 2017

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.

We believe there is only so much you can learn from a website