Frost Bank Frost Personal Checking Account

A simple checking account solution featuring:

  • 24/7 phone support,
  • great online and mobile banking features,
  • interest on balances over $5,000.

securely on the bank's website

The Frost Personal Account is a regular checking account that pays interest if you meet certain minimum balance requirements. Featuring everything you need for daily banking, including 24/7 phone support, the Frost Personal Account is your solution for simple and convenient money management, especially if you're looking for a checking account that comes with award-winning customer service, great technology, and identity protection.

With Frost Bank's online and mobile banking tools, you'll be able to bank at your convenience, using your computer or mobile device to access your Personal Account. You can log in using your fingertip or by quickly scanning your face, which adds an extra layer of security, in addition to all the necessary measures Frost Bank has taken to ensure your personal and financial information is safe.

Thanks to the See All Your Finances feature, you can pool all your Frost Bank accounts together, as well as those you have with other financial institutions, so you can see them all in one place. Plus, you can create memos for your deposits and cleared checks, and search transactions, which enables you to keep tabs on your spending activity, and organize your budget better. You can use Zelle, available in the Frost Bank Mobile Banking app, to send money to anyone with a U.S. bank account using just their mobile number or email! Of course, if you prefer, you can transfer money directly to a U.S. bank account as well. You can deposit checks by simply taking a photo of your checks with your mobile device or pay bills on the go. All is done in a few clicks, so you should never have any issues accessing and managing your Frost Personal checking account. If, however, you ever need help, there's 24/7 customer support you can reach out to for personal guidance, but you can also contact Frost Bank by other means, too.

To avoid unnecessary overdraft fees, make sure you've always got enough money in your Frost Personal Account balance. A great way to stay on top of your budget is to set up account alerts so you can keep an eye on your balance 24/7. With a free debit card you can use for any kinds of payment, and free use of a decent number of ATMs, you'll be able to access your funds and check your balance easily, even if you don't have an Internet connection at a particular moment.

If need be, you can choose to have a secondary account linked to your Frost Personal Account, so, if you ever run out of funds, the required amount of money will be automatically transferred from your linked to your checking account to complete a transaction you might not otherwise be able to make without incurring overdraft fees.

Overall, the Frost Personal Account is a simple-to-use checking account, equipped with all you need for smart banking. Given how praised Frost Bank is for its customer support, we recommend considering this checking account solution, especially if you live in the Texas region. That said, we've seen much better, and totally free checking account offers, whether it be regular checking or online-only checking accounts, so, as always, suggest shopping around first.

Checking account details

Checking account fees

  • Monthly Fee
    $8 (can be waived)
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

Frost Bank Frost Personal Checking Account FAQ

1. Can Frost Bank help me choose a checking account?

If you'd like to get some advice on how to select a checking account that meets your financial needs, you can always get in touch with a Frost Bank banker to talk through the options. You can contact their 24/7 customer support at (866) 376-7889 or you can visit a Frost Bank branch in your area.

2. What personal information do I need to provide to open a Frost Personal Account?

At the time of application for the Frost Personal Account, you'll be asked to provide your:

  • personal information (your name, citizenship, Social Security Number, date of birth, occupation, employer, email),
  • contact information (home address and phone number),
  • ID (your driver's license, military ID or a valid government-issued ID, including its issue and expiration dates).

You'll also be asked to read and accept the bank's fine print before you proceed. You'll also need to provide your credit or debit card number or a bank account number to make the opening deposit.


3. What is a combined balance required for the monthly fee waiver on the Frost Personal Account?

One of the ways you can avoid the $8 monthly fee on the Frost Personal Checking Account is to keep a $5,000 minimum combined average daily balances across your Frost Bank personal deposit accounts. These can be checking, savings, money market, CD and/or IRA accounts.

Your average daily balance is calculated by adding the principal (original) amount in the account for each day of the period, and then diving that figure by the number of days in the period (usually, per month). So, each period/month/statement cycle you have at least $5,000 in your combined balances, you won't have to pay the $8 monthly fee.

4. How can I earn interest on my Frost Personal Account balance?

You will earn 0.01% interest on your Frost Personal Account balance only if your balance is $5,000 or greater.

5. What are the standard overdraft practices that come with my Frost Personal Checking Account?

Usually, Frost Bank will authorize and pay overdrafts for transactions, such as:

  • checks and other transactions made using your Frost Personal Account number,
  • ACH transactions,
  • automatic bill payments.

On the other hand, everyday debit card transactions will be declined in case you don't have enough money in your Frost Personal Account balance.

Each time Frost Bank authorizes and pays an overdraft, you'll be charged a $35 overdraft fee if the item overdraws your account by $5 or more. Frost Bank won't charge you more than $175 per day (i.e. 5 overdrafts).

6. What if I want to have my everyday debit card transactions authorized as well?

If you'd like Frost Bank to authorize and pay overdrafts on your everyday debit card transactions, you should tell them so:

  • by mail - their address being CIF, P.O. Box 1600, San Antonio,TX 78296,
  • by phone - at 1-800-513-7678,
  • in person - find your nearest Frost Bank financial center,
  • online - at, when you log in to your Frost Personal Account.
7. What overdraft protection plans are available with my Frost Personal Account?

You can choose to link a savings account or a personal line of credit to your Frost Personal Account, so, in case there's not enough money in your Frost Personal checking account balance, the funds will be automatically transferred from your linked to your Frost Personal Account balance. This way, you'll be able to complete the transaction without incurring overdraft or NSF fees. You can ask a Frost banker for more information about their overdraft protection plans.

8. What can I do in Frost Online Banking?

Frost Bank's online banking services are designed to give you the flexibility and convenience you need to perform basic banking tasks, such as to:

  • view your account balance, transactions, statements, check copies, and I.R.S. forms 1098 and 1099 related to interest reporting,
  • transfer funds between your Frost Bank accounts, as well as those you have with other financial institutions,
  • transfer funds to people with a U.S. bank account using Zelle,
  • transfer funds to other U.S. bank accounts,
  • make loan payments,
  • pay bills,
  • order checks,
  • manage your debit card,
  • make stop payments,
  • change your account preferences and/or personal information,
  • set up account alerts,
  • download account information (if using Quicken, for example),
  • request customer assistance,
  • open new accounts with Frost Bank,
  • purchase additional services, and more.
9. How do debit card alerts work?

Frost Bank lets you set up debit card alerts, so you can stay on top of your money, and prevent potential fraudulent activities. You can turn on debit card alerts for up to 6 different activities, so, if something happens, you'll receive a text message. In this case, all you need to do is call Frost Bank if the transaction seems suspicious.

For example, you can turn on or off alerts for transactions, such as:

  • declined transactions,
  • online purchases,
  • transactions out of the United States,
  • pay-at-the-pump transactions,
  • purchase over a specific amount,
  • ATM withdrawals.
10. Where can I find Frost Bank's routing number?

The Frost Bank routing number is 114000093.​

Check Out Other Products From Frost Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
Frost Bank Frost Personal Checking Account $8 (can be waived) $25 0.01%*
Frost Bank U25 Frost Personal Checking Account $8 (can be waived) $25 0.01%*
Frost Bank Frost Plus Checking Account $15 (can be waived) $25 0.01%
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