personal savings options / frost savings account

Frost Savings Account

The Frost Savings Account is the perfect way to start building good savings habits. It’s a safe place for an emergency fund or to begin bucketing funds as you’re saving for different goals.

Open a Savings account
3 .50
monthly service charge
monthly service charge
when you meet any one of the following:
  • Maintain a $100 minimum daily balance in this account
  • One account owner is under age 25
  • Own a Frost Plus Account or Frost Premium account
  • Deposits totaling $10 or more made to this account monthly

Higher rates worth your interest


Annual Percentage Yield (APY)
Bank of America
Annual Percentage Yield (APY)
Annual Percentage Yield (APY)
Wells Fargo
Annual Percentage Yield (APY)
$15,000 and over

Data for Frost Bank provided by Frost Bank. All Bank of America, Chase, and Wells Fargo rate data shown for an equivalent account of $1-$25,000
Frost Annual Percentage Yield effective as of 05/23/2024. Fees could reduce the earnings on the account.
The interest rate and annual percentage yield may change at any time at our discretion.
Data for Bank of America, Chase, and Wells Fargo provided by:

Information effective 05/22/2024

Savings account additional features

  • Can be used as overdraft protection for your checking account
  • Deposits made before 9pm are generally available the next business day
  • Transfer money to and from your account online
  • Unlimited withdrawals and transfers. You are allowed two free withdrawals per month. There will be a $3.00 savings withdrawal fee for each additional withdrawal over two per month.

Here are a few ways to put your
Frost Savings Account to good use.

The funds you deposit here stay liquid so you can access your money to do things like:

Cover auto repairs

Take on house projects

Pay cash for that bike you’ve been eyeing

Experience the Frost Difference

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, 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 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 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.

Still not sure which is the best account for you?

We’ve put some key details into an easy-to-use chart.

Image of three piggy banks