personal checking options / personal account comparison chart

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The financial partner you want.

Our accounts are tailored to meet you where you are in your financial life today and support you for years to come.

Personal Checking Account Comparison Chart

	The Frost Personal Account	The Frost Plus Account	The Frost Premium Account
Monthly service charge and options to waive	$8 waived with: $100 monthly direct deposit¹OR $1,000 minimum daily balance OR $5,000 combined average daily balances in personal accounts² OR Account owner under the age of 25 You own a Frost Premium Account	$15 waived with: $10,000 combined average daily balances in personal accounts² OR You are a borrower on a Frost consumer real estate secured loan OR You own a Frost Premium Account	$30 waived with: $250,000 combined average daily balances in personal deposit and qualified investment accounts³ If the $250,000 combined average daily balance requirement is not met for three consecutive statement cycles, the account will automatically convert to a Frost Personal Account.
Earns Interest	Yes, if daily balance is $5,000 or more²	Yes	Yes
Supplemental accounts with no monthly service charge	None	Unlimited Personal Savings accounts	Unlimited Personal Checking, Savings and Money Market accounts
Frost fee for using a non-Frost ATM	$2	No fee The ATM owner may charge additional fees, which will be refunded up to $5 per statement cycle.	No fee The ATM owner may charge additional fees, which will be refunded up to $15 per statement cycle.
Other fees	Standard fees apply	No fee for: Money orders Cashier’s checks Frost branded checks	No fee for: Wire transfers Overdrafts Money orders Cashier’s checks Frost branded checks

1 Such as your paycheck, pension, Social Security or other regular monthly income

2 Personal deposit accounts, including checking, savings, money market, CD and IRAs

3 Personal deposit account, including checking, savings, money market, CD and IRAs. Qualifying investment and trust accounts are offered through Frost Brokerage Services, Inc., Member FINRA/SIPC, Frost Investment Services LLC, a registered investment adviser, and Frost Wealth Advisors, and include personal accounts, 529 plans, and revocable personal trust accounts. Retirement and employee benefit plan investment accounts do not qualify.