Personal Business Technology Security Why Frost? Log In Open an account banking / personal 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. Explore checking accounts Under age 25? Learn about this account Frost Personal Account 8 monthly service charge OR 0 with ways to waive The essential checking account for feeling confident about your money. Talk to a real person 24/7 $100 overdraft grace if you meet qualifying conditions 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 1,300+ ATMs including H-E-B and Circle K locations Open now Learn more Frost Plus Account 15 monthly service charge OR 0 with ways to waive 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 Open now Learn more Frost Premium Account 30 monthly service charge OR 0 with ways to waive 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 Open at a nearby location Learn more Compare all accounts in detail 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. NEW Get direct deposits up to two days earlier Access your direct deposits up to two days earlier in any Frost personal checking account. Use your money however you need, sooner. We post qualifying direct deposits throughout the day as we receive notification the payment is coming in. Learn more NEW Say goodbye to fees on overdrafts of $100 or less And say hello to a more understanding overdraft program that won’t ding you for being human. So if forgetting to cancel a $7 auto-renewal causes you to overdraw your account by $100 or less, we won't charge you a $35 fee as long as you meet qualifying conditions. Explore overdraft program NEW Beautify your wallet 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 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 and find financial centers wherever you go across the state. Providing peace of mind Our technology and security tools including freezing your card in the app or customizing Debit Card Alerts are designed to help you feel more at ease that you can monitor your own money. 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 and you'll be directly connected to a fellow Texan. 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, by scheduling an appointment. Call Email Appointment Bank the way you want We believe technology should make people’s lives better. Explore the Frost App Our customers say it best “ Their customer service is amazing, I’ve never felt so close to my banker before. It’s a bank where you feel at home. Anum L. Customer since 2020 “ I love love love my bankers, Tyler and Maria. They are so amazing. Ekila C. Customer since 2019 We believe there is only so much you can learn from a website Get in touch Open an account Call 24/7 (800) 513-7678 Personal Banking Investments Insurance Business Banking Investments Insurance Company About us Leadership Diversity and Inclusion News Investor relations SEC filings Investor news Careers Resources CRA Help and support Contact us Fraud prevention Forms Agreements and disclosures Bank holidays Accessibility FATCA Sitemap Locations Routing number 114000093 SWIFT code FRSTUS44 Investment and insurance products are not FDIC insured, are not bank guaranteed, and may lose value. Insurance products are for solicitation in the state of Texas. Investment and insurance products are offered through Frost Brokerage Services, Inc., Member FINRA/SIPC. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. Additionally, insurance products are offered through Frost Insurance. Deposit and loan products are offered through Frost Bank, Member FDIC. 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