Today, companies are so big that customers end up being a number, and the personal touches we want are almost non-existent. Mission statements include customer service but then we get lost in phone trees that seem to put us in an endless loop of frustration. When a customer has a concern about their finances, it’s even more important to be treated as an individual and reach someone who can answer our questions and solve our problems. Frost Bank prides themselves in doing just that, and it can all be done with your Frost Bank login.
What Is Frost Bank?
Frost Bank was established as a small mercantile store in 1868 in San Antonio, Texas by T.C. Frost who wanted to make sure Texans had enough supplies to thrive on the wild frontier. In 1919, Frost was recognized by the Federal Reserve Board. In the 30s, Frost Bank survived the Great Depression when many banks had to close their doors. Using your Frost Bank login was not even imagined yet, but they already made banking accessible.
In the 80s, Frost Bank was the only one to survive the Texas bank crisis without federal help. Today, customers are the cornerstone of their platform and service standard. They stand by the motto that when a customer opens an account with them, they form a relationship. Part of that relationship is ensuring that customers’ calls are answered 24/7 by an actual person in Texas—something unusual in today’s market.
The accounts available at Frost Bank are straightforward and less confusing than the account options at larger national banks. You can access any account you have with your Frost Bank login through online banking—leading to an enhanced and easy-to-navigate relationship.
One checking account takes the guesswork out of which account may be right for you. The account changes as your balance grows. Customers only need $25 to open the account, and you can avoid fees with one of the following:
- A direct deposit of $100 or more monthly
- A minimum daily balance of $1,000
- $5,000 in combined balances throughout your accounts
- Opening a premium account
They reduce service charges for students if they don’t meet the requirements for a no-fee checking account. Unlike most standard checking accounts at other financial institutions, the account pays interest no matter the balance.
Frost Bank has several savings options, all interest bearing. Their standard account requires only $50 to open and a $500 balance to avoid the small monthly fee. This account can be used as overdraft protection for the checking account. Their money market account is a tiered account—the higher your balances, the higher the interest you’ll earn. This account earns significantly more interest than savings accounts at national banks.
Frost Bank’s certificates of deposit (CDs) offer tiered interest depending on the term length customers choose. The interest rates offered are ten times that offered by bigger banks. Frost is committed to growing their customers’ money. Customers can also enjoy certain tax advantages by opening a health savings account to cover medical expenses throughout the year.
Investments and Insurance
Unlike most financial institutions, you can use your Frost Bank login to view many types of accounts on the same platform. When you talk to an investment advisor, they will talk to you about:
- IRA accounts
- Brokerage accounts
- Educational accounts
- Managed portfolio accounts
- Frost mutual accounts
- Estate planning
Frost Bank pairs with leading insurance providers to give their customers a comprehensive insurance selection to keep their possessions and health safe. The insurance they offer:
- Farm and ranch
- Long-term care
Frost wants to help customers with the biggest purchases they make. You can pay any loan you have online with your Frost Bank login. Loan officers work with customers to find an individualized solution for all their borrowing needs:
- Home equity lines of credit (HELOC)
- Home equity loans
- First mortgage fixed, variable, VA, and FHA loans
- Auto loans
- Secured and unsecured personal loans and lines of credit
Frost Bank wants businesses in their communities to thrive, so they offer financial tools, accounts, and services to give businesses every opportunity to succeed financially. They’ve got small and large business accounts that change with the balances kept and with the activity levels in both your checking and savings accounts; this is all with fees that are less than those you’ll find with national banks.
Frost offers a basic savings account and two money market savings accounts - standard and high yield. Businesses can earn higher interest with CDs that bump interest rates depending on balance and term length up to 24 months.
Time is a huge commodity for business owners, so you can access all business services with your Frost Bank login. Business owners have a suite of products to choose from that make running a business more convenient and seamless:
- Merchant services to accept payment from customers
- Gift card program for employee rewards and customer purchases
- Four business credit cards, all with no annual fee
- Accounts payable card
- Employee insurance and retirement options
- Business investment options
Business owners will find that Frost Bank offers lending options that will fit most business needs, such as:
- Equipment leasing
- Export-import financing
- Term loans
- Small business administration (SBA) loans
- Real estate loans
Locations and Branches
Frost Bank is proud to serve Texas with 134 branches throughout the state. Customers can also enjoy the convenience of over 1300 ATMs across Texas. If banking centers are closed, customers can reach an associate 24 hours a day at 800-513-7678 with questions and concerns.
While they started in San Antonio, Frost Bank has branched out to encompass most of the state, including:
- Rio Grande Valley
- Dallas Fort Worth
- Corpus Christi
Frost Bank wants to make sure their services are available to everyone. The hearing impaired have the option to do a video conference with a personal banker and sign language interpreter in a private conference room in their banking centers. There are customer service representatives for Spanish speakers, and some locations have Spanish speakers on site.
For those that need larger print, large-print agreements and large-print checks are available by request. They also accept check deposits by mail, and they make direct deposit seamless for their clients.
Using Your Frost Bank Login with Mobile Apps & Online Banking
Frost Bank prides themselves in having cutting-edge technology powering their online and mobile banking. Their online banking is secure with 128-bit SSL encryption—this just means your information is as safe as it can get and only accessed with your unique Frost Bank login. You’re also able to set travel notices, so you’ll get a fraud alert if your cards are used in a foreign county. You can also freeze or unfreeze a misplaced debit card.
Anything you can do in a banking center you can do online—and then some. With your Frost Bank login, you’ll be able to make deposits, view current, real-time transactions and balances, and search for transactions as far back as 18 months. When you write a check, you can see its image once it’s cleared and add a memo for future reference.
Once you’ve used your Frost Bank login, you can send money using your email or mobile phone, pay your bills anytime, and transfer money to anyone in the U.S.—even at other financial institutions. Making a payment to an existing loan or credit is a snap using your Frost Bank login. If you decide to open another account, you can do that easily online, saving you a ton of time.
Your Frost Bank login also gains you access to their mobile banking app. You will then have the full array of services with you wherever you go. You can text or email money to easily pay friends for your portion of a bill or cover individual services like gardening and housekeeping.
Enter your Frost Bank login and you’re able to make mobile check deposits of up to $25,000 per day—one of the highest limits in the industry. You can pay bills from anywhere, making it easy to stay current. You can transfer money between your accounts and to other institutions by simply using your Frost Bank login ID. With just a tap of a button, you can call one of their bankers and get a real person 24/7.
Keeping track of your finances has never been so easy. Using your Frost Bank login, you’ll be able to see your entire relationship on your laptop, tablet, mobile device, and even on your Apple watch. Compatible with both iOS and Android systems, your Frost Bank login allows you to enter your fingerprint as a passcode or four-digit pin, unique to you.
Frost Bank keeps its promise of putting the customer at the center of everything they do, even highlighting customer snapped photos on their website and online banking every day. Those are personal touches Frost has that larger banks can’t match because Frost isn’t tied up in bureaucratic red tape. They believe everyone is significant and they’re dedicated to making sure their customers feel that way.