Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
The Monthly Service Fee is $8.00. This fee can be waived by:- Having one or more direct deposit totaling $100 or more per month;- OR maintaining a minimum daily balance of $1,000.00;- OR maintaining a combined average daily balance of $5,000.00 per month.OR one account holder is under age 25
$8.00
Annual Percentage Yield (APY)
0.04% APY earned on all balances above $5,000.
0.04%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at participating Valero Corner Store locations and participating H-E-B locations.
Yes
Non-affiliated ATM Usage Fee
There is $2.00 fee using a non-Frost bank ATM.
$2.00/per use
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country.
$2.00/per use
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
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$2.00 fee for monthly paper statements
$2.00/month
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Yes
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.
$35.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.For protection from a linked Savings Account, Money Market Account, or a linked Alternate Checking Account:- Transfer fee of $0.00. The transfer fee is charged per day.- Funds are transferred to bring the account balance to $0.00.For protection from a Line of Credit:- No transfer fee, although the line of credit's interest rates will apply.