Frost bank has met all my complicated banking and insurance needs. Every time i call, a human answers the phone! I can't recommend highly enough.
After finding that my NATIONAL bank was into everything including giving money to many causes I did not suport I changed to Frost. WHY? because they did not take TARP money and they have made moves to make sure they are first and formost financially strong, kind of like the banks I remeber from years ago. When you walk in you can tell the focus is different and once you understand they are not trying to grow fast as they can open a new location, then you understand that this realy is a solid "Old School" 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.