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  Frost Bank Checking Account
Frost Bank Checking Account
in Checking Accounts from Frost Bank · Member FDIC
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Frost Bank Checking Account

Unaffiliated
in Checking Accounts from Frost Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.02%
(Verified 08/04/2023)
Monthly Fee $0 - $8
(Verified 08/04/2023)
Minimum Balance to Avoid Monthly Fee Starting at $1,000

Frost Bank Checking Account Review

Frost Bank Checking Account is offered by Frost Bank, a bank founded in 1868 and based in San Antonio, TX. Frost Bank checking account is available in 1 state across the USA.

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.02%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $1,000, have a monthly direct deposit of $100, or $5,000 combined balance accross eligible accounts.
  • Bill pay. Pay your bills to practically anyone in the United States through Frost Bank.

Frost Bank checking account Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.

Frost Bank checking account FAQ

Are checking accounts from Frost Bank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Frost Bank checking account offer?

Frost Bank Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.02%

Frost Bank checking account offers an APY of 0.02% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $5000.

What are the account minimums for Frost Bank checking account?

Frost Bank checking account requires a minimum initial deposit of $25 to open an account.

Frost Bank Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $1,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $100
Minimum Balance to Earn APY $5,000

What fees does Frost Bank checking account charge?

This account charges a monthly service fee of up to $8.

Frost Bank Checking Account Fees
Description
Monthly Fee $0 - $8
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $4
Returned Deposit Fee (International) $4
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does Frost Bank checking account charge overdraft fees?

Yes, Frost Bank checking account charges a $34 fee for every overdraft.

What features and perks does Frost Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - Frost Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Frost Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Frost Bank checking account?

The customer support email for Frost Bank checking account is webhelp@frostbank.com.

Frost Bank Checking Account Disclosure: Wire Transfer Fees Vary. Foreign Transacton Fee Varies.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Frost Bank checking account

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. Our accounts are tailored to meet you where you are in your financial life today and support you for years to come. We believe everyone should have access to the kinds of features and benefits that make life easier, no matter the size of your account.

Frost Personal Checking Account is the essential account to feel confident about your money.

Contact

Other Services by Frost Bank

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $1,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $100
Minimum Balance to Earn APY $5,000
Monthly Fee $0 - $8
(Verified 08/04/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $4
Returned Deposit Fee (International) $4
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $12
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.02%
(Verified 08/04/2023)

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