Personal Savings

Backed by the strength and stability of Frost, a Savings Account is a safe and sound investment. It features:

  • interest paid quarterly
  • quick access to check deposits generally on the next business day
  • unlimited lobby and Frost ATM withdrawals (subject to current withdrawal fees)

Compare to other accounts

  • $3.50 monthly service charge waived when you have ONE of the following (during each statement period):
    • a $300 minimum daily balance in this account
    • OR deposits totaling $10 or more made to this account monthly
    • OR one account owner is under age 25
    • OR you own a Frost Premium Account
  • for a complete comparison of our savings account features, interest rates, monthly service charges and fees, view our savings account Schedule of Fees.
Interest Rates
Balance Annual Percentage Yield (APY)
All balances 0.01%
Annual Percentage Yield effective as of 11/28/2020. Fees could reduce the earnings on the account. The interest rate and annual percentage yield may change at any time at our discretion.
Additional Features
  • two free withdrawals per month
  • make transfers to and from your savings account online
  • can be used as overdraft protection for your checking account
Opening Your Savings Account

To open a Savings Account, call (866) 376-7889 or visit your local Frost financial center and bring:

  • your government issued photo ID such as a driver's license, state ID or U.S. Military ID
  • your Social Security number
  • a minimum $50 opening deposit