Frost Bank Frost Plus Checking Account

You can apply for a Frost Plus Checking Account online, by clicking the "APPLY NOW" button available on this page. You'll be taken to the Frost Bank website, where you'll be able to complete the application form safely.

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 option to avoid the $15 monthly fee on the Frost Plus Checking Account is to maintain a minimum $5,000 combined average daily balance in your Frost Bank bank accounts. This means the total amount to maintain in these accounts for the monthly fee waiver should be $5,000. The eligible accounts you can have include Frost Bank personal checking account, savings accounts, money market accounts, CDs and/or IRAs.

The average daily balance is calculated by adding the principal in these accounts for each day of the statement period, and then diving the amount by the number of days in the same period.

With a Frost Plus Account, you don't have to meet any minimum balance requirements to start earning interest. As long as you keep your account open and in good standing, you'll earn interest. Currently, an APY of 0.01% applies. Frost Bank uses the daily balance method to calculate the interest on your account, and the interest is compounded and credited to your Frank Plus Account each month.

When you access an ATM that's in your bank's network, you are almost never charged any ATM usage fees. With Frost, you can access over 1,200 fee-free ATMs. 

However, when using an out-of-network ATM to check your balance or make a transaction, such as money withdrawal, your bank or financial institution will charge you a fee. As a Frost Plus Account customer, you won't have to pay these fees at all, which means you can access any ATM with no Frost Bank fees. That said, the ATM owner, which can be a bank or ATM network, might still charge you for using their ATMs. While Frost Bank is not in control of those fees, Frost will refund you up to $5 each month when you use an out-of-network ATM, and are charged extra.

Use Frost Bank's branch and ATM locator to find their ATMs, so you know where you can get cash completely free of charge.

You can choose to link a savings account or a personal line of credit to your Frost Plus Account, so, in case there's not enough money in your Frost Plus checking account balance, the funds will be automatically transferred from your linked account to your Frost Plus 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.

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 Frost Plus 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.