RATE AND FEE SCHEDULE - BUSINESS SAVINGS ACCOUNT

Account Opening and Monthly Service Charge

Minimum Opening Deposit	$50
Monthly Service Charge	$3.50
How to Avoid the Monthly Service Charge	$0 Monthly Service Charge when you have ONE of the following (during each monthly statement period): $100 minimum daily balance in this account OR have a Frost Business Checking or a Frost Business Checking Plus account in the same business name

Minimum Opening Deposit

$50

Monthly Service Charge

$3.50

How to Avoid the Monthly Service Charge

$0
Monthly Service Charge when you have ONE of the following (during each monthly statement period):

$100 minimum daily balance in this account
OR have a Frost Business Checking or a Frost Business Checking Plus account in the same business name

Range of Balances	Interest Rate	APY
$0.00 - $14,999.99	0.30%	0.30%
$15,000.00 and Over	0.50%	0.50%
The interest rate and annual percentage yield may change at any time at our discretion. (Fees could reduce earnings on account.) Rates effective as of 12/25/2024.

How the Interest Rate is Calculated	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
How Interest is Compounded	Interest will be compounded and credited to the account quarterly. If you close your account before the interest is credited, you will receive the accrued interest.
When Interest Begins to Accrue	Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Excess Withdrawal Fee	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.
Item Count	If total item count exceeds 20 items for six consecutive months, the account will automatically convert to a Frost Business Checking account.

Frost ATMs	$0
Pulse Point-of-Sale Terminals	$0
H-E-B, Corner Store, and Circle K Locations in Texas	$0
Non-Frost ATMs	$2 for any Transfers or Withdrawals while using a non-Frost ATM, plus any fees the ATM owner charges.
Notice regarding ATM fee by others - If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or an automated transfer network and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer

Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means	$35 for each item presented for payment we pay that overdraws your account more than $5, up to a maximum fee of $175 per day.
Non-sufficient Funds	$35 per item - If we determine, in our sole discretion based on information provided when the withdrawal or debit is presented to us for payment, that the Item is being represented for payment (meaning it was previously presented for payment and returned unpaid), we will not charge you an additional fee if your Current Balance is less than the amount needed to pay the Item and we return it due to non-sufficient funds. However, if we do not determine that the withdrawal or debit is a represented Item and we return it due to non-sufficient funds or we pay the Item that results in an overdraft, you will be charged the corresponding fee.
Overdraft Protection Transfer, each advance from: Another deposit account Line of credit (subject to credit approval)	$0 $0 (interest will apply on the outstanding balance)

Check certification	$10
Cashier’s check	$5 per item
Money order	$5 per item
Return item	$5 per item
Stop payment	$30 per item
Outgoing wire transfer	Fee varies
Incoming wire transfer	$15 per item
Domestic collection item	$20 per item
Foreign collection item	$40 per item
Hold mail at financial center for pick-up	$10 per month
Signature Verification	$3.00 per month plus $0.10 per item

R(05/03/24)