Our values set us apart.

Experience the Frost difference.

Our values set us apart.

Experience the Frost difference.

Our values set us apart.

Experience the Frost difference.

Our values set us apart.

Experience the Frost difference.

Here’s what that means for you.

Expert support whenever you call.

Now more than ever, it’s crucial to know you have help when you need it. Call (800) 513-7678 anytime, and you’ll speak to a banker who can answer any financial questions you have. You don’t have to bank with us to matter to us.

Get in touch »


Technology that keeps getting better.

We never stop looking for new ways to make banking simpler, smarter and better. And as our customer, you should always expect to see new developments from us, like See All Your Finances, Freeze Your Card and the Frost App for Apple Watch®.

Explore our technology »


A safe and secure place for your money.

We work hard to protect your information, prevent fraudulent activity and alert you of any unusual activity. Because keeping your money safe is our most important priority.

Learn more about our security measures »


Easy access to your money.

Not only can you text, email and transfer money with our top-rated technology, but you can also enjoy easy access to your cash with over 1,200 ATMs and 130 financial centers across Texas.

Find locations near you »

Image of map

A force for good in your community.

We only succeed by helping our customers succeed. So we do everything in our power to make a positive impact in the communities we serve—from performing more than 150 good deeds for our anniversary to our mission to inspire optimism.

Explore Opt for Optimism »


Award-winning service you’ll only find at Frost.

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. And we’ll be here for you with a square deal and prudent financial advice and tools to help you with all the milestones in the years ahead.

Don’t take our word for it. Here’s what our customers have to say about us.

"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."

— Gene K.

"Frost wrote the book on how to treat their customers!"

— Adam S.

"Best customer service ever. Nicest and happiest employees ever. And y’all give me cookies when I turn up in person."

— Annie B.

"Amazing customer service! Outstanding reputation! Real people who care!"

— Rhonda K.

"The best feature ever. Two rings and a person! Love it!"

— Jeff N.


 
Personal Checking Accounts

We’re proud to offer a suite of checking account options, tailored to meet you where you are in your financial life today and support you for years to come.

Explore account options »

 
Personal Loans

We have a variety of products to help you pay off unexpected bills or finance a home improvement project. Every loan comes with the Frost relationship you rely on.

See personal loan options »

Ready to open a checking account online?

We’ll take care of everything to make it easy to open your checking account with Frost. Have these things handy.

Social Security Number
Social Security Number

We're required by federal law to collect your SSN

Photo ID
Government-Issued Photo ID

This can be a driver's license, state ID or U.S. military ID

Opening Deposit
Minimum Opening Deposit

You'll need to make an initial deposit of $25 or more.

More convenient ways to open an account with us.

Whether you’d prefer to use our app, call us or visit us in person, it’s easier than ever to change banks.

Download the Frost App

Apple App Store  GooglePlay Store

Talk to a Frost Banker

Monday - Friday, 8 am - 7 pm
Saturday, 9 am - 1 pm
(866) 376-7889
Or request a call or email

Find a Frost Financial Center

With over 130 financial centers in Texas, we’re never too far away.
Find a location