Frost Personal Checking Account Schedule of Fees
Frost Customer for 5 years or less
Account Balances
Combined average daily balances in your personal Frost
checking, savings, money market, CD and IRA accounts
are below $10,000
Combined average daily balances in your personal Frost
checking, savings, money market, CD and IRA accounts
are between $10,000 and $24,999.99
Monthly Service Charges
Monthly service charge
$5.00
Mailed paper statement
$2.00 subscription charge
My Frost bill payments
$2.00 subscription charge for unlimited use or $.75 service charge per transaction
My Frost external transfers
$2.00 subscription charge for unlimited use or $.75 service charge per transaction
Cashier’s checks, traveler’s
checks, money orders, gift cards
$2.00 subscription charge for unlimited use
Non-Frost domestic ATM refunds up to $15
$2.00 subscription charge
Monthly service charge
$3.00
Mailed paper statement
$1.00 subscription charge
My Frost bill payments
$1.00 subscription charge for unlimited use or $.75 service charge per transaction
My Frost external transfers
$1.00 subscription charge for unlimited use or $.75 service charge per transaction
Cashier’s checks, traveler’s
checks, money orders, gift cards
$1.00 subscription charge for unlimited use
Non-Frost domestic ATM refunds up to $15
$1.00 subscription charge
No monthly service charge
Combined average daily balances in your personal Frost
checking, savings, money market, CD and IRA accounts
are $25,000 or more
OR
Combined average daily balances in your personal Frost
checking, savings, money market, CD, IRA accounts plus
the original amount of all outstanding loans are $50,000 or
more
Mailed paper statement
No charge
My Frost bill payments
No charge
My Frost external transfers
No charge
Cashier’s checks, traveler’s
checks, money orders, gift cards
No charge
Non-Frost domestic ATM refunds up to $15
No charge
Checking fee information continued on next page.
Interest Information
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Interest begins to accrue no later than the business day when we receive credit for non-cash items you deposit (for example, checks)
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Frost Personal Checking Account Schedule of Fees (continued)
Frost Customer for 6-14 years
Account Balances
Combined average daily balances in your personal Frost
checking, savings, money market, CD and IRA accounts are
below $25,000
Monthly Service Charges
Monthly service charge
$3.00
Mailed paper statement
$1.00 subscription charge
My Frost bill payments
$1.00 subscription charge for unlimited use or $.75 service charge per transaction
My Frost external transfers
$1.00 subscription charge for unlimited use or $.75 service charge per transaction
Cashier’s checks, traveler’s
checks, money orders, gift cards
$1.00 subscription charge for unlimited use
Non-Frost domestic ATM refunds up to $15
$1.00 subscription fee
Combined average daily balances in your personal Frost
checking, savings, money market, CD and IRA accounts are
$25,000 or more
No monthly service charge
Mailed paper statement
No charge
OR
My Frost bill payments
No charge
Combined average daily balances in your personal Frost
checking, savings, money market, CD, IRA accounts plus
the original amount of all outstanding loans are $50,000 or
more
My Frost external transfers
No charge
Cashier’s checks, traveler’s
checks, money orders, gift cards
No charge
Non-Frost domestic ATM refunds up to $15
No charge
Frost Customer for 15 years or more
Account Balances
Monthly Service Charges
No monthly service charge
Any balance
Mailed paper statement
No charge
My Frost bill payments
No charge
My Frost external transfers
No charge
Cashier’s checks, traveler’s
checks, money orders, gift cards
No charge
Non-Frost domestic ATM refunds up to $15
No charge
Interest Information
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.
Interest begins to accrue no later than the business day when we receive credit for non-cash items you deposit (for example, checks)
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Savings Account Schedule of Fees
Frost Money Market
Frost Savings
Monthly Service Charge
No monthly service charge when you maintain a $15,000 minimum
daily balance. Otherwise, there is a $15 monthly service charge.
No monthly service charge when you maintain a $500 daily balance.
Otherwise, there is a $3.50 monthly service charge.
Transactions
Six free check withdrawals per statement cycle. Each additional check
will be charged an excess check fee of $10. Transfers made in person
or at an ATM are unlimited. However, federal regulations limit the
number of transfers to another one of your accounts at Frost or to a
third party by means of a pre-authorized or automatic transfer,
telephone transfer, computer transfer, or by check, draft, debit card
or similar order, to a combined total of six per statement cycle. This
includes overdraft protection transfers and Frost Online Banking
transfers and bill payments.
Two free withdrawals per month. Each additional withdrawal will be charged a
savings withdrawal fee of $3.00. Transfers and withdrawals made in person or
at an ATM are unlimited. However, federal regulations limit the number of
transfers to another one of your accounts at Frost or to a third party by means
of a pre-authorized or automatic transfer, telephone transfer, computer
transfer, or by check, draft, debit card or similar order, to a combined total of
six per statement cycle. This includes overdraft protection transfers and Frost
Online Banking transfers and bill payments.
Visa Checkcard
Free
Unlimited electronic transactions. Three free check withdrawals per
statement cycle. Each additional check will be charged an excess check fee of
$5.
Free
$.75 per bill
$.50 per bill
Online Statement Delivery
Free
ATM Transactions at Frost ATMs
Free
ATM Transactions at Non-Frost ATMs
$1.50
Interest
No monthly service charge when you maintain a $3,000 minimum daily
balance or if linked to a Frost Personal Checking account. Otherwise, there is
a $3 monthly service charge.
Free
My Frost Online Banking
My Frost Bill Pay
Health Savings*
Compounded and credited to your account monthly.
Compounded and credited
to your account quarterly.
Compounded and credited
to your account monthly.
Fee varies for outgoing, $7.50 for incoming
Wire Transfers
Overdraft Protection
Can be used as overdraft protection for your checking account
Stop Payments
$30
$30
Online Stop Payments
$20
$20
Imaged Checks
Free
Free
Minimum Opening Deposit
$50
*Unused balances automatically roll over from year to year. Eligibility includes individuals who are not covered under a high deductible health plan, not covered by any other health plan, not enrolled in Medicare, and not dependent on another person's tax return. Contribution
limits for individuals and families are determined annually by the IRS. The deadline for contributions to a Health Savings account is April 15 following the year for which the contribution was made. Distributions used for qualified medical expenses are tax-free. A Health Savings
account cannot be rolled over into an IRA.
Online Services
Other Services
My Frost Online Banking
Automated Teller Machines
Frost ATM
Free
Online Statement Delivery
Pulse Point-of-Sale Terminals
Free
Non-sufficient funds notification service
Participating H-E-B locations
Free
Check printing
Participating Valero Corner Store locations
Free
Replacement ATM & Checkcard
Statement/1099 copy
Miscellaneous
Account research/Statement balancing
Check certification
Check copy
Check printing
Cashier’s checks
Money orders
Traveler’s Checks for one
Stop payment
$20.00 per hour ($20.00 minimum)
$10.00
$2.00 per item (first five items free for imaged customers)
Fee varies
$5.00
$3.00
1.5% of purchase
Traveler’s Checks for two
2% of purchase
Non-sufficient funds
$33.00 per item
Overdrafts created by check, in-person withdrawal,
ATM withdrawal or other electronic means
$33.00 for each item that overdraws your account more
than $5.00, up to a maximum fee of $165.00 per day
Overdraft protection, each advance from:
• Another deposit account
• Line of credit
Return item
Statement copy
Wire transfers
$7.50
Free
$4.00
$2.00
Fee varies
Incoming wire transfers
$7.50
Domestic collection item
$20.00
Foreign collection item
$40.00
Stop payment
$30.00
Hold mail at financial center for pick-up
$10.00
Free
Free
Fee varies
Free
Free
$20.00