Frost Bank Frost Personal 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.

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.

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.

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

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).

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 frostbank.com, when you log in to your 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.

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.

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.

The Frost Bank routing number is 114000093.​