When opening a checking or savings account, be sure to check out all the features they offer. While you won’t find the best interest rates, you’ll be able to contact a real human with their customer service that’s available 24/7. See if Frost Bank is right for you.
If you haven’t guessed it, Frost Bank is available in Texas only. Enjoy access to 1,200 ATMs throughout Texas and free online and mobile banking. Read on if you’re interested in Frost Bank!
Checking Account Options
Frost Bank offers only one checking account option, which offers free access to 1,200 ATMs throughout Texas, free online/mobile banking, and a free Visa checkcard.
The Personal Checking account requires $25 to open and earns interest on balances higher than $5,000.
Avoid the monthly service charge with at least $100 in direct deposits each month, $1,000 minimum balance in the account, or a $5,000 combined balance across all deposit accounts at Frost Bank.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Frost Bank does offer a few selection of savings accounts & certificate of deposit accounts (CDs) with decent perks. Access to these accounts will be through their digital banking with variety of ways to waive the monthly fees.
This account requires a $500 minimum to waive the monthly fee of this account. First two withdrawals per month from this account are free. After that, you’ll pay a fee for each withdrawal. Interest is compounded quarterly and you can use free online/mobile banking.
If you have a high-deductible insurance plan, take note of the Frost Bank Health Savings Account. The money in this account earns interest monthly and if withdrawn for qualified healthcare purchases, your earnings remain tax free. You’ll have access to an HSA checkcard, which you can use to pay your medical bills. Keep a minimum $3,000 balance, Frost Bank will waive the service fee.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
To earn interest in the Frost Money Market Account account you need at least $15,000 to keep in your account. Earn interest that is compounded monthly.
Enjoy access to free online/mobile banking, but if you use the bill pay service, you’ll pay a small fee for each payment. You can take advantage of six free check withdrawals per month.
After that, you’ll pay an excessive withdrawal fee, which is standard for any savings account.
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
The Frost Personal CD requires a minimum opening deposit of $1,000 is needed to open a Frost Bank CD. Frost Bank offers a variety of terms that range from 14 days to 24 months.
If you invest less than $100,000, you can choose from 90 days, 180 days, 12 months, or 24 months. Investments of $100,000, can choose from a 14-, 30- or 60-day term.
Compare Money Market Accounts
• Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
Reasons To Bank with Frost Bank
- Get free automatic overdraft transfers. Link your Frost Bank savings account to your Frost Bank checking account free. If you are approved for an overdraft line of credit, you won’t pay a transfer fee, but you may pay interest on the money borrowed on the line of credit, though.
- Deposits are FDIC insured. Your deposit accounts are protected for the first $250,000 in each account.
- Enjoy customized debit card alerts. Choose which alerts you receive via text, such as declined transactions, a purchase over your specified limit, or transactions outside of the U.S, just as a few examples. You can also take immediate action from your mobile phone should you receive an alert about a transaction that you did not initiate and freeze your card immediately.
- Customer service are answered by a “real” person. Real people answer the phone and they are located right in Texas, so you get the answers you need during the times you need them.
- Decide if you want overdraft protection. You can decline authorization for debit card overdrafts alone. You can also decline all overdraft coverage, which includes checks and auto bill pay along with debit card transactions. If you don’t want to take the chance of paying the overdraft fee or just don’t want to go over your balance, this is a nice option to have.
- Make mobile check deposits. The amount of the deposit may determine just how much of the check is available, but at least some of the funds should be available for use right away.
- College students can pay a discounted monthly service fee for a checking account. The monthly service fee is cut in half for college students with a valid school ID and if they are younger than 25-years old. College students can also have the fee waived completely if they meet one of the standard requirements to waive the service fee.
- Earn tiered interest rates on your money market account funds.With a $15,000 balance requirement for the money market account, you can earn higher interest rates as your balance increases.
- Make transfers to and from your Frost Bank Savings account online. You are free to transfer funds from your Frost Bank checking account or even an external account to your Frost Bank savings account. This can make saving money a little easier since you are able to send it over rather than having to visit the bank in person.
Reasons Not To Bank with Frost Bank
- This bank is only available in Texas. Frost Bank is big in Texas, but they aren’t located anywhere else. Even their ATMs are only located in Texas, which means it could get expensive to access your own money if you aren’t in Texas.
- You can only open a Frost Bank checking account online. If you want to open one of Frost Bank’s savings accounts or a CD, you will have to call a bank representative or visit the bank in person.
- You need at least $1,000 for a Frost Bank CD. You’ll be stuck with a basic savings rates without the minimum.
Frost Bank Routing Number
The main routing number is 114000093. To find find this routing number, you can simply check the bottom left corner of your checks – check to see if this number differs.
Contact Customer Service
Reach Frost Bank at (800) 513-7678. Reps are available 24 hours a day, 7 days a week.
How Frost Bank Compares
- Bank of America: For convenience, Bank of America offers the most branches and ATM machines. Though they don’t offer special interest rates, promotions or enticing bank accounts.
- Capital One: Looking for a bank with high interest rates and low fees, Capital One 360 is the way to go. This is an online bank only but in exchange you’ll earn a higher interest rate and pay fewer fees.
 |
 |
Bottom Line
Choosing a bank that best suits your needs is a crucial decision. You’ll be investing time and money into these bank. It’s very important to keep in mind the potential fees that may incur and how to avoid them if possible.
If Frost Bank has the variety and options you’re looking for, apply today! For more options from a variety of banks, see our list of the best bank promotions!
Helpful Tips
Leave a Reply