Minimum Opening Deposit
A $25.00 deposit is required to open this account.
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
Annual Percentage Yield (APY)
0.01% APY earned on all balances above $5,000.
Debit Cards & Using ATMs
Surcharge-Free ATM Access
Surcharge-free ATM access is available at participating Valero Corner Store locations and participating H-E-B locations.
Non-affiliated ATM Usage Fee
There is $2.00 fee using a non-Frost bank ATM.
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Bill Pay
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.
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android applications.
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
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
$2.00 fee for monthly paper statements
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 18 months.
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.
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.