About Frost

For six generations, Frost has been committed to helping businesses and families throughout Texas prosper. What started as a small downtown San Antonio bank is now Cullen/Frost Bankers, Inc. (NYSE: CFR), a multi-billion dollar financial holding company.
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Overall Rating

MyBankTracker rated Frost based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B+

MyBankTracker Rating

Customer Rating
Based on 10 Reviews
Financial Health
Based on Texas Ratio: 3.44
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Deposits
Mobile Deposits
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Quality of Mobile Services

Locations & Hours

Frost Location Map
Frost Location Map
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Most Helpful Customer Reviews

JustinY's Profile Image

Reviewed by JustinY

Jan 20th 2014

5 out of 5 marks

BEST BANKING EXPERIENCE...EVER

So the nation thrifts: Chase, Wells Fargo, Citi, and B of A are the bullies compared to Frost.

When you call, a person directly answers; normally on the first ring. All business and customer service is in Texas (San Antonio) unlike the big guys sending you over to India.

After opening an account online; I received a welcome phone call who offered to assist with bill pay and direct deposit questions. A few weeks later, I received a follow up, just to make sure things were going well and that I was happy with the product.

There are NO fees for a transfer from savings to your checking as part of overdraft. The big guys charge $10-$12 for this measly automated computer transfer.

Is this review helpful? ▲ Yes 1 ▼ No 1

jryoung85's Profile Image

Reviewed by jryoung85

May 6th 2014

5 out of 5 marks

Absolutely Amazing

Absolutely amazing. I've been with the big three (Bank of America, Wells Fargo, and Chase), Frost just wows you from day one.

All customer services is in the State of Texas. They answer the phone live -- no phone tree or begging and automated for a person. Best of all: no outsourced calls to India!

You receive a personal banker who provides their direct number to assist all your needs. Online services match that of bigger banks and exceeds! Change your debit pin, suspend your debit card, report it stolen- all online.

Now that their customer service is 24/7, its only better. Also, check our their Texas Ratio; they don't do mortgages or credit card. No toxic assets on their balance sheet.

Is this review helpful? ▲ Yes 1 ▼ No 0

lbpeebles's Profile Image

Reviewed by lbpeebles

May 8th 2014

5 out of 5 marks

Love this bank

When Frost first inhabited the spot vacated by Centennial, I was unhappy about another bank in a neighborhood of too many. But I did learn when I dropped by their chuck wagon (grand opening) on my way out of Starbucks that they were not one of the behemoths like Bank of America who caused the Great Recession of 08' and, instead, were a small bank interested in loaning money rather than making risky speculative investments. But since I had had an account with another small bank -- Credit Union of Texas-- for the past twenty years, I wasn't looking to switch.

Sometime after that, I noticed I was getting charged $9.00 a month in checking fee and apparently had been for years. Went to Frost and they assured me that if I had direct deposit each month of an amount I can't remember now but it seems like it was $125.00 or so, I wouldn't have to pay any checking fee. Irritated that I, a great customer, had been dinged for $108.00 a year for God knows how long by my previous bank, I promptly switched my account to Frost and have been thrilled. It's much much closer than my old bank on Ross. No checking fee. They open the door when they see me coming and offer cold water or coffee. I can use my debit card to open the locked bank foyer (which locks behind me) after hours and feel safe withdrawing money from the ATM. I've had a Vice President of the branch call to check on me with regard to my banking needs. I can't say enough good things about Frost and its employees.

Is this review helpful? ▲ Yes 1 ▼ No 0

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Personal Savings

0.01%

$0

$50

NAME RATE (APY) MIN TO EARN APY Min Deposit
Personal Money Market

0.05%

$10,000

$50

TERM RATE (APY) Min Deposit
12 Month CD

0.05%

$1,000

18 Month CD

0.10%

$1,000

24 Month CD

0.20%

$1,000

Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$7

Non-Sufficient Fund (Overdraft)

$33

$30

Stop Payment item

$20

$27

Return Deposit

$4

$13

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$12

$9

Non-Bank ATM

$1.50

$1