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.
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.
I inquired about a home equity loan and was fed lies and misdirection the whole time. Lack of customer service. Called to confirm receipt of documents 4 days after they were faxed and was told she hasn't looked at them yet. Horrible appraiser sent to my house that spent less than 5 minutes here. When I complained about him after the apprasal the Frost bank employees could care less. Obviously, they are in cahoots together in order to scam money off unsuspecting people.