Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
Combined average daily balances of $10,000.00 in personal deposit accounts OR if you are a borrower on a Frost consumer real estate secured loan
$15.00
Annual Percentage Yield (APY)
The account earns 0.04% on all balances
0.04%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
$5.00 refund per statement cycle for using non-Frost ATM
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills;- An iPhone and Android application to view account balances and activity, transfer funds to accounts at Frost and other institutions in the U.S., connect directly to a customer service representative, locate ATMs, deposit checks, pay bills.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android applications.
Free
Person-to-Person Payments
Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold.- Notice of deposits or withdrawals over a certain threshold.- The bad news that your account balance is below $0.- When an electronic deposit has been made.- When a check card purchase has been made.
Included with Online Banking
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free Branded Frost Checks
Yes
Monthly Paper Statements
$2.00 fee for monthly paper statements
$2.00/month
Check Images with Statements
Included
Online Statements
No
Online Check Images
No
Overdrawing the Account
Initial Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft. This fee is not charged for overdrafts of $5 or less.