Frost Savings Account

Be prepared to meet your goals and plan for the unexpected.

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. Plus, when you deposit or transfer as little as $10 into your savings each month, you won't pay a monthly service charge.

Start saving today


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

Savings Account Details

Monthly Service Charge
  • $3.50
  • Options to waive monthly service charge:
    • Maintain a $300 minimum daily balance in this account
    • OR make monthly deposits to this account totaling $10 or more
    • OR one account owner is under age 25
    • OR own a Frost Plus Account or Frost Premium Account
Interest Rates
Balance Annual Percentage Yield (APY)
All balances 0.01%
Annual Percentage Yield effective as of 05/14/2021. 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
  • Can be used as overdraft protection for your checking account
  • Most check deposits will be 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.

Ready to open an account?
Ready to open an account?
Current Frost Customers

Open your Frost Savings Account online:

  • Log in to Frost Online Banking
  • Click on Open New Account
  • Follow the steps and start saving
New Frost Customers

You can open a Frost Savings Account at your nearest financial center.
FIND A LOCATION

If you want to get started online, you’ll need to open a personal checking account first.

Open a Frost Personal Checking Account
Still not sure which is the best account for you?

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

Compare all savings accounts


We’re here to guide you.

If you’d like to talk through the options, a Frost Banker is just a phone call away.

Call us at
(866) 376-7889

Or stop in to your nearest
Frost Financial Center.