Frost Plus Account
The checking account to support your growing success, your plans and your lifestyle.
- Combined average daily balances* of $10,000 in personal deposit accounts OR
- You are a borrower on a Frost consumer real estate secured loan, including mortgage OR
- You own a Frost Premium Account
OR
*The average daily balance is calculated by adding the principal for each day of the period and dividing that figure by the number of days in the period.
Features designed to exceed your expectations
- Open as many personal Frost Savings Accounts as you have savings goals, at no monthly service charge
- ATM fee refunds up to $5/per statement cycle when using non-Frost ATMs
- No fees for cashier’s checks, money orders and Frost branded checks
- Earn interest monthly on the entire collected checking account balance at some of the highest rates in the industry
- 24/7 customer service
- $100 overdraft grace
- Deposits made before 9 pm CT generally available next business day
- Bank anytime with our mobile app
- 1,700+ ATMs including H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in North Texas
Our customers mean everything to us
For the 15th consecutive year, Frost Bank ranked #1 for Retail Banking Customer Satisfaction in Texas, according to the J.D. Power 2024 U.S. Retail Banking Satisfaction Study℠.
For J.D. Power 2024 award information, visit jdpower.com/awards
Get your hands on your direct deposits up to two days earlier
We're making direct deposits available up to two days earlier in any Frost personal checking account. So whether you're paying bills or building savings, you're worrying less and doing more with what's yours.
Settle up or get paid. Instantly.
If you’ve got their email address or mobile number, you can send, request or receive money from friends or family with Zelle®. No matter who they bank with.**
**Must hold a U.S. bank account and email or mobile number.
Stay ahead of fraud
With customizable Debit Card Alerts, you’ll hear from us if a transaction on your account looks suspicious.
Early payday and $100 overdraft grace
Direct deposits available up to two days earlier and no fees when you overdraw your personal checking accounts by $100 or less.
Beautify your wallet
A card that carries more than money. Pay the way you want - from tap and go to digital wallet. And choose a debit card color when you open your account.
Debit Card Alerts
We watch every account for fraud and will send you a text to alert you if something looks suspicious.
Bank where you matter
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.
There are no surprises charges, they’re always there to help people. I’ve always been very happy with Frost
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.
I love the ability to contact customer service 24/7 and now many of the issues I have are fixable on my app.
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. Don’t take our word for it. Here’s what our customers have to say about us.