Personal Checking Options  / Personal Frost Premium Account

Frost Premium Account

To reward clients who entrust us with significant balances, we offer the Frost Premium Account to accompany your private banking relationship.

0 monthly service charge when you meet the following:
  • $250,000 combined average daily balances of personal deposit and investment accounts* you own.
  • If the $250,000 combined average daily balance requirement is not met for three consecutive statement cycles, the account will automatically convert to a Frost Personal Account.


30 monthly service charge if none
of the above requirements are met
Open at a nearby location

* Qualifying investment and trust accounts are offered through Frost Brokerage Services, Inc., Member FINRA/SIPC, Frost Investment Services LLC, a registered investment adviser, and Frost Wealth Advisors, and include personal accounts, 529 plans, and revocable grantor personal trust accounts. Retirement and employee benefit plan investment accounts do not qualify.

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Benefits that reward your relationship

  • A dedicated Frost private banker to help manage your whole financial life
  • No ATM fees from Frost when you’re traveling and using non-Frost ATMs, plus up to $15 refund per statement cycle of ATM owner fees when using a non-Frost ATM
  • No wire transfer, overdraft or other miscellaneous fees
  • Access to more than 1,700 ATM locations and 180+ Frost financial centers
  • Unlimited personal checking, savings and money market accounts with no monthly service charge

More than just a banker, an advocate

With a Frost private banker in your corner, you get a seasoned professional to help manage your financial life.

Learn more about private banking
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Why Frost?

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.

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
J.D. Power Award

Less limits, more freedom

With the Frost Premium Account, take advantage of the convenience of higher mobile deposit limits and the flexibility of increased debit card spending limits.

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.

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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

Less limits, more freedom

With the Frost Premium Account, take advantage of the convenience of higher mobile deposit limits and the flexibility of increased debit card spending limits.

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.

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Debit Card Alerts

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

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.

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