SAN ANTONIO, June 13, 2022 /PRNewswire/ — Frost Bank, one of the largest banks based in Texastoday released her 14 month old baby $100 overdraft grace feature to be available to all Frost Personal Account and Frost Plus Account customers regardless of direct deposit status. The expanded functionality means that checking account customers who participate in the bank’s standard courtesy overdraft program will not be charged fees if they overdraw their checking accounts. $100 or less.

At the same time, Frost announced that it will eliminate fees on insufficient and returned items for all consumer customers. This applies to checking, savings, money market and health savings accounts.

Introduced in April 2021overdraft grace has placed the Frost Personal Account and the Frost Plus Account well ahead of other banks’ accounts, which charge an average of one $35 overdraft fees even on overdrafts as low as $6, or arrange for customers to obtain overdraft grace through seniority or credit rating. Since 2021, overdraft grace has helped more than 64,000 families obtain needed goods and services without incurring costs. This has been particularly important during the pandemic and as inflation has pushed up consumer prices.

For years, even before introducing overdraft grace, Frost helped customers by taking fee reduction measures such as showing credits before debits and processing debit card and ATM transactions in first, in the order they are received.

Now, by also eliminating the NSF fee and return item fee for consumers, Frost takes another step ahead of its competition while reinforcing one of its guiding principles: doing the right thing.

“Combined, the expansion of these features means Frost expects to forgo as much as $3.5 million per year,” said jimmy stead, director of the general public bank. “Nevertheless, we understand that people sometimes make mistakes or have a need that requires a little more money. We are the friend who will know how to spot them $100 when they need it.”

To learn more about the new overdraft grace feature, visit

About Frost:

Frost is the banking, investment and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $51.3 billion of assets to March 31, 2022. Ranked among the 50 largest U.S. banks by asset size, Frost provides a full range of banking, investment and insurance services to businesses and individuals around the world. Austin, corpus Christi, dallas, fort worth, HoustonPermian Basin, Rio Grande Valley and San Antonio Regions. Founded in 1868, Frost has helped Texans with their financial needs for three centuries. For more information, visit

For more information:
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210-288-5498 mobile

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SOURCE Frost Bank

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