Personal Banking  / Personal Checking

Frost Personal Account

The essential account to feel confident about your money.

Open an account
0 monthly service charge when you meet any one of the following:
  • Direct deposit totaling $100+ per month OR
  • Keep a minimum daily balance of $1,000 OR
  • Combined average daily balance in personal accounts of $5,000 OR
  • An owner on the account is under 25
8 monthly service charge if none of the above requirements are met

The benefits of banking with Frost begin here

  • 24/7 customer service
  • Fee-free overdrafts up to $100*
  • Deposits made by 9 PM CST are generally available the next business day
  • Mobile app designed with you in mind
  • 1,700+ ATMs including H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in North Texas

*For Frost Personal and Frost Plus accounts, overdrafts created by check, in person or ATM withdrawal or other electronic means will not be charged a $35 overdraft fee if you overdraw your account $100 or less under our standard overdraft practices.

This is a discretionary service and the bank reserves the right not to pay items against insufficient funds, such as when your account is not in good standing or you are not making regular deposits or you have too many overdrafts. You will be responsible for making a deposit as soon as possible to bring your account back to a positive balance.

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
J.D. Power Award

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.

Make ends meet

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.

Image of debit cards

Stay ahead of fraud

With customizable Debit Card Alerts, you’ll hear from us if a transaction on your account looks suspicious.

Debit card alerts

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.

Make ends meet

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.

Image of debit cards

Debit Card Alerts

We watch every account for fraud and will send you a text to alert you if something looks suspicious.

Our fine print has nothing to hide

Interest Rate and APY If your daily balance is $5,000 or more, the interest rate paid on the entire collected balance in your account will be 0.08%, with an annual percentage yield of 0.08%. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce earnings on the account. Rates effective 06/21/2024.
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 monthly. 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).

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 we pay that overdraws your account by more than $100, up to a maximum fee of $105 per day.

We will not charge you an overdraft fee if:

  • your transaction is $5 or less
  • your debit card transaction was authorized with sufficient available funds
  • your debit card or ATM transaction is declined
  • your ACH or check is returned unpaid
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 $0 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

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.

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 (800) 513-7678 or schedule an appointment to see us in person during business hours.
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.

There are no surprises charges, they’re always there to help people. I’ve always been very happy with Frost

Virginia T
Customer for 10+ years

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.

Diana V
Customer for 10+ years

I love the ability to contact customer service 24/7 and now many of the issues I have are fixable on my app.

Becky A
Customer for 8+ years

See what our customers say about us

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.