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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
Highlights
Monthly Fee $0 - $8
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee $1,000
APY (Annual Percentage Yield) 0.06%

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 0.06%, and you must keep a minimum balance of $5000.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $8, but the fee is waived if you keep a minimum balance of $1000, have a monthly direct deposit of $100, or $5,000 combined balance accross eligible accounts..
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Free bill pay. Pay your bills to practically anyone in the United States through Frost Bank.
  • Hard credit pull. Frost Bank may require a hard pull on your credit report to open a checking account.
Frost Bank Checking Account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in one state.
  • Monthly service charge.
  • 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 Frost Bank checking accounts 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) 0.06%

Frost Bank Checking Account offers an APY of 0.06% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum 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 Account Minimums
Description Amount
Minimum Initial Deposit $25
APY Minimum Balance $5,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Balance to Avoid Monthly Fee $1,000

What fees does Frost Bank Checking Account charge?

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

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

What features and perks does Frost Bank Checking Account offer?

This account includes the following features:

  • Free Bill Pay - 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. This includes depositing checks in your account with your smartphone.
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.

Contact

Other Services by Frost Bank

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

APY Minimum Balance $5,000
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee $100
Minimum Initial Deposit $25
Minimum Balance to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Monthly Fee $0 - $8
NSF Fee $34
Overdraft Item Fee $34
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $4
Returned Deposit Fee (International) $4
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $12
ATM Fee: Out-of-Network $2
Bank Account Features
  • IRAs
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.06%

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