Frost Bank U25 Frost Personal Checking Account
To young bankers, this checking account offers:
- interest on balances of or above $5,000,
- unlimited savings accounts,
- 24/7 phone support.
securely on the bank's website
The U25 Frost Personal Checking Account is a regular checking account for people aged less than 25, hence the name. This checking account comes with the tools you need to manage your budget, with 24/7 phone support, in case you ever need help with some financial moves or decisions. Thanks to great security and digital banking features, you'll be able to begin your financial journey, knowing your information is safe and secure, and banking options almost limitless!
With Frost Bank's online and mobile banking tools, you'll be able to bank on the go or from the comfort of your home, using either a computer or a mobile device to access your U25 Frost Personal account. With many secure sign-in options, you can rest assured no one but you can log in to your bank account, unless you allow them to, of course. This is not to say you're 100% protected against identity theft, so keep in mind not to disclose your personal or financial information to anyone, and never, never leave your login session unmonitored. While Frost Bank has put a number of security measures and safety procedures to ensure the information of its customers is well protected against fraud or theft, you are still very responsible of your personal and bank account information. Make sure that, each time you log in to your U25 Frost Personal Account, you do so via a safe network to prevent data theft.
Once you've enrolled in Frost Bank's Online Banking, you'll be able to manage all your bank accounts in one place, whether you have one or more with either Frost or other financial institutions. You'll be able to move funds between your bank accounts or transfer them to your family and friends - or anyone with a U.S. bank account, using Zelle and regular account-to-account transfer options. Besides, you can access your funds at over thousands of ATMs, so you can withdraw cash free of charge. However, you'll receive a free Frost Bank debit card you can also use for both in-person and online purchases. Managing your debit card with Frost is a piece of cake as you'll be able to set up card alerts and other preferences for additional security protection, as well as easier budgeting.
If you have some monthly subscriptions going on, such as gym membership or similar, you'll be able to set automatic payments, and pay your bills directly from your Online U25 Frost Personal Account - via a browser or within the app.
Just keep an eye on your balance to avoid overdraft fees - yet, if you choose, you can open a free Frost Bank savings account, and link it to your U25 Frost Personal account, so in case you don't have enough funds in your balance to cover a transaction, the money will be automatically pulled from your Frost savings to your U25 Frost Personal Account, and the transaction approved.
In case you ever need advice from a professional, you can reach out to a Frost banker. With their 24/7 phone support, help is always available - and, knowing Frost Bank has been recognized for its outstanding customer service, we assume your questions or doubts will always be resolved promptly and efficiently!
To sum up, the U25 Frost Personal Account is a pretty simple checking account, equipped with all you need for daily banking. However, Frost Bank online banking resources being quite scarce, and knowing how annoying spending time on the phone for assistance might be, if you're a first-time banker, you might want to consider other student checking account options. Especially if you're looking for some additional money management tools that might help you get better banking skills, improve your personal finance and financial literacy knowledge, and learn how to plan, budget, and organize your spending overall, then you should definitely check out other checking accounts.
Checking account details
- Monthly fee is waived if you're less than 25 years old.
- Online and Mobile Banking.
- Free debit card with alerts.
- Free access to 1,200+ ATM locations, including H-E-B®, Circle K, and Corner Store locations.
- $0 at Pulse POS terminals.
- Overdraft Protection options.
- Unlimited personal savings accounts.
- 24/7 phone support.
Checking account fees
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Monthly Fee$8 (can be waived)
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APY0.01%*
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Minimum Deposit to Open$25
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Out-of-Network ATM Transaction Fee$2
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Out-of-Network ATM Withdrawal Fee$2
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Overdraft Fee$35
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Non-Sufficient Funds Fee$35
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Foreign Transaction Feen/a
Frost Bank U25 Frost Personal Checking Account FAQ
You can apply online by completing the form available when you click the "APPLY NOW" button on this page.
At the time of application for the U25 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.
You will earn start earning interest once you've got $5,000 or more in your Frost U25 Personal Account balance. Currently, an interest of 0.01% applies.
Frost Bank will authorize and pays overdrafts for a number of transactions, including:
- checks and other transactions made using your U25 Frost Personal Account number,
- ACH transactions,
- automatic bill payments.
However, if you try to make a debit card purchase, and it turns out you don't have enough money in your Frost U25 Personal Account balance, this transaction will be automatically declined.
Note that, each time Frost Bank authorizes and pays an overdraft, you'll be charged a $35 overdraft fee if your account's been overdrawn by $5 or more. Frost Bank won't charge you more than $175 per day (i.e. 5 overdrafts).
Frost Bank has several overdraft protection plans available for your to choose. You can open a Frost Bank savings account, and link it to your U25 Frost Personal Account. Another option would be a Frost Bank line of credit that you can link to your U25 Frost Personal Account as well.
The best way to decide, if you need some help, would be to talk with a Frost banker!
The Frost Bank Savings account comes with a set of benefits, including an 0.01% APY, free online banking and online monthly statements, unlimited lobby and ATM withdrawals (fees still apply), and 2 free withdrawals per month.
While there's a $3.5 monthly fee on the Frost Bank Savings account, as a U25 Frost Personal Account customer, you can open a Frost Bank savings account for free!
To open a Frost Bank Savings account, you'll need your valid government-issued ID with photo (it can be a driver's license, state ID or U.S. military ID), and your Social Security Number.
You'll also need to make a $50 deposit to open the account.
No, to open a Frost Bank Savings account, you should either call (866) 376-7889 or visit your local Frost Bank branch. Make sure you've got your valid ID and SSN ready! If approved, you'll have to make a $50 opening deposit.
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.
In the Frost Bank Mobile Banking app, you'll also be able to make mobile check deposits!
In order to prevent fraudulent activities, Frost Bank lets you turn on instant alerts to receive notifications when some of the following 6 transactions are made:
- declined transactions,
- online purchases,
- transactions out of the United States,
- pay-at-the-pump transactions,
- purchase over a specific amount,
- ATM withdrawals.
Since these transactions are quite risky, the best way to prevent having your identity or bank information stolen is to turn all of these notifications on, so you can always know what's going on with your account. In case an activity's triggered, you'll be able to check it out instantly, and report it to Frost Bank immediately.
The Frost Bank routing number is 114000093.
7 Best Checking Accounts for 2023
Featured Checking Accounts
| 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% |
| Bank | Monthly Service Charge | Minimum Deposit to Open | APY |
|---|---|---|---|
| Comerica Bank Rich Rewards® Checking Account | $18 (can be waived / reduced) | $50 | 0.01% |
| Comerica Bank Premier Checking Account | $22 | $50 | 0.01% |
| Comerica Bank Comerica Platinum Circle Checking® | $0 | $50 | 0.10% / 0.25% |
