BUSINESS CHECKING OPTIONS / BUSINESS CHECKING ACCOUNT

Frost Business Checking Account

No two businesses are exactly the same. Whether you’re looking for a simple way to manage your cash or you have more complex banking needs, we have an account for you.

See all account features and fees
10
monthly service charge
0
monthly service charge
when you meet any one of the following:
  • $1,500 minimum daily balance in the account OR
  • Have a $15,000 combined average daily balances of business deposit accounts under the same business name OR
  • A minimum of $1,000 net spending on your linked Frost Visa Business Debit Card posted per statement cycle OR
  • Have a Frost Business Checking Plus Account in the same business name

Frost Business Checking Account features

  • 200 non-electronic items plus unlimited electronic deposits and withdrawals at no charge
  • $5,000 in cash processing per month at no additional charge
  • Frost Business Savings Account with no monthly service fee to help save for the future
  • Frost Visa Business Debit Card

Nationally recognized for excellence

We're proud to have received multiple Greenwich Awards, recognized as the most prestigious award in banking, but the true measure of our success as a business is how we help you grow yours.

Learn more
Award winning service

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 (866) 376-7889.

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 like freezing your card in the app or customizing debit card alerts are designed to help you feel more in control of your own money.

See what our business customers say about us

We go above and beyond to be a trusted advisor in all aspects of your business. On the journey ahead, you can feel good knowing you always have a bank ready to meet your needs.

I have the best customer support and even though I haven’t lived in Texas for years I have never wanted to change where I do my banking.

Frost Customer, Austin TX
Voice of Customer Survey

People who know me answer the phone and help me solve my banking problems. I am so pleased with the above and beyond service.

Frost Customer, Fort Worth TX
Voice of Customer Survey

It is so refreshing to have an actual banker who responds to my calls and questions. And unlike other big banks that require multiple phone clicks before getting to a live person who often is in another state, when I call the Frost phone number an actual person in Austin answers the phone no matter the time of day.

Frost Customer, Austin TX
Voice of Customer Survey

Frost has never forgotten that banking is primarily a business built upon relationships - having a personal banker makes the difference between Frost and the others.

Frost Customer, Corpus Christi TX
Voice of Customer Survey

I'm always very pleased with the service we receive from Frost. I also appreciate the bank because it is locally owned.

Frost Customer, San Antonio TX
Voice of Customer Survey

Such a great company that does so much for the community! Their staff must be treated well and that is passed on to the community. Keep up the great work!

Frost Customer, Houston TX
Voice of Customer Survey

Our fine print has nothing to hide

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
Check Order Fee varies
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
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 per month, plus $0.10 per item

Still not sure which is the best account for you?

Frost offers different types of checking accounts designed to meet your business needs

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