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.
Neve C. Customer since 2005
Checking Accounts
Frost Personal Account
The essential checking account for feeling confident about your money.
- Talk to a real person 24/7
- $100 overdraft grace
- Access to direct deposits up to two days earlier
- Deposits made before 9 pm CT generally available the 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
Frost Plus Account
You’ve worked hard, now let your money work for you.
- Get all the features of the Frost Personal Account, plus:
- Open as many personal Frost Savings Accounts as you have savings goals, with 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
Frost Premium Account
The checking account for those who entrust us with their wealth.
- Get all the features of the Frost Plus Account, plus:
- ATM fee refunds up to $15 per statement cycle when using non-Frost ATMs
- No wire transfer or overdraft fees
- Open unlimited personal checking, savings and money market accounts with no monthly service charges
Savings accounts that always put your best interest first
Save for whatever makes you smile — at a rate that feels just as great. We’ll help you make the most of your money, so you can get closer to what matters most in your life
Standard features that are anything but
We believe everyone should have access to the kinds of features and benefits that make life easier,
no matter the size of your account.
Real human help. Now in Live Chat.
Why would we use artificial intelligence when we have real human intelligence and understanding? Customers can now chat live in the app or when logged in online with a real Frost rep who can help you get answers fast.
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. Learn more.
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.
Send Money with Zelle®
Split the bill or pay back a friend quickly and securely by text or email with Zelle*.
* Must hold a U.S. bank account and email or mobile number.
Fast access to mobile deposits
Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.
Freeze your card
Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.
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.
Send Money with Zelle®
Split the bill or pay back a friend quickly and securely by text or email with Zelle*.
* Must hold a U.S. bank account and email or mobile number.
Fast access to mobile deposits
Snap a photo by 9pm CT to have access to deposited checks, generally the next business day.
Freeze your card
Misplaced your debit card? Freeze it with a tap. Found it in the laundry? Unfreeze.
Experience the Frost difference
Everybody’s human. So it makes sense to get help from one.
When you need us, we’re here to help. Give us a call 24/7 at (800) 513-7678 and you’ll be directly connected to a fellow Texan. With our Known Caller feature, every time you call from within the Frost App, we’ll know it’s you without asking loads of security questions. Zero call trees, just real human help when you need it. And if you want to see us in person, you can do that too – just stop by or schedule an appointment.
Bank the way you want
The only time we’ll leave you in the dark
We believe technology should make people’s lives better.
Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too.
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.