Does Frost Bank offer sign-up bonuses for new checking accounts?

At this time, Frost Bank is not offering sign-up bonuses on new checking accounts. However, you can still save by qualifying for fee waivers on monthly service charges from one of the checking account offerings, starting at $8 and up to $30.

How can I waive the monthly fee on a Frost Bank personal checking account?

You can waive the $8 monthly service fee on the Frost Personal Account if you have at least $100 in deposits every month. Or, if you maintain a $1,000 daily balance or keep $5,000 in all of your Frost accounts. The fee is automatically waived if you're under 25.

Does Frost Bank offer discounts on auto loans?

Yes. Frost Bank offers a 0.25% discount on auto loans. To do this, you must have automatic payments set up from your Frost checking or savings account.

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Frost Bank Promotions: Best Offers and Bonuses for March 2026

March 4, 2026

6 min Read

Written by Cynthia Bowman

Edited by Melanie Grafil, M.A., CHFC™

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Frost Bank does not typically offer large sign-up bonuses for new checking or savings accounts like some national banks. Instead, most of its promotions come in the form of ongoing account perks, fee waivers and banking features designed to help customers reduce costs and manage their money more easily.

Here are some of the main benefits and offers Frost Bank customers may find available:

Ways to waive monthly checking fees

Frost checking accounts charge monthly service fees that generally range from about $8 to $30 depending on the account type. However, these fees can often be waived if you meet certain requirements, such as:

Receiving at least $100 in direct deposits or electronic credits each month
Maintaining a minimum daily balance (often around $1,000)
Keeping higher combined balances across Frost deposit accounts
Being under age 25 on some account types

Meeting these requirements can help eliminate the monthly service charge.

Early direct deposit access

Customers with direct deposit may be able to access their paychecks up to two days early. This feature may apply to various deposits, including payroll, tax refunds and certain government benefits.

Overdraft grace and account perks

Some Frost checking accounts include a $100 overdraft grace feature, which allows small overdrafts without a fee if the account is quickly brought back to a positive balance.

Higher-tier checking accounts may also include additional benefits, such as:

ATM fee reimbursements for non-Frost ATMs
Free cashier’s checks or money orders
Reduced or waived wire transfer fees
The ability to open multiple savings accounts without additional monthly chargesFrom time to time, Frost Bank may introduce regional promotions or partnerships that provide extra perks for customers, such as themed debit cards, local event partnerships or other member benefits.

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Overall, Frost Bank focuses less on short-term cash bonuses and more on ongoing banking benefits. Customers often get the most value by meeting fee-waiver requirements and taking advantage of features such as early direct deposit, overdraft grace and premium account perks.

Special partnerships and limited offers

From time to time, Frost Bank may introduce regional promotions or partnerships that provide extra perks for customers, such as themed debit cards, local event partnerships or other member benefits.

Frost Bank Personal Checking Account Fee Waivers

Checking account fees can eat up your balance in a hurry, so it’s always beneficial to find ways to avoid them. Here’s how you can have Frost Bank’s monthly checking account fees waived:

Frost Personal Account

Bonus value: No bonus value
Minimum deposit: None
Expiration date: N/A
How to claim: While there is no cash sign-up bonus available, you can still save money by qualifying for fee waivers. You must open a new Frost Personal Account and meet the qualifications to waive the $8 monthly service fee.
When you’ll get it: N/A
Terms and conditions
- Waived automatically if you’re under 25, or
- $100 in monthly direct deposits, mobile deposits, debit card transactions or Zelle credits, or
- $1,000 minimum daily balance, or
- $5,000 in combined balances across accounts.
Fees: $8 monthly service charge, but waivable

Open your Frost Personal Account today.

Frost Plus Account

Bonus value: No bonus value
Minimum deposit: None
Expiration date: N/A
How to claim: Open a Frost Plus Account and meet the qualifying requirements to waive the $15 monthly service charge.
When you’ll get it: N/A
Terms and conditions: You must have at least $10,000 in combined balances across Frost Bank accounts and have a current Frost real estate loan, such as a mortgage.
Fees: $15 monthly service charge, but waivable

Top Accounts for {{current_month-name}}

Open a Frost Plus Account here.

Frost Premium Account

Bonus value: No bonus value
Minimum deposit: None
Expiration date: N/A
How to claim: Start by opening a Frost Premium Account and meet the qualifying requirements to waive the $30 monthly service charge.
When you’ll get it: N/A
Terms and conditions: Have $250,000 in combined balances across deposit and eligible investment accounts
Fees: $30 monthly service charge, but waivable

Get started with a Frost Premium Account.

Earn Interest on CDs

Frost has a wide range of certificates of deposit that offer competitive interest rates — especially when compared to large national banks.

You can open a Frost CD with a deposit of $1,000 or more. CD terms range from 14 days to 24 months. The highest APY being offered currently is for its 90-day CD with a $500,000 or more deposit.

How To Open a Frost Account

To open a Frost Bank account, you can apply online or visit a branch. You’ll need to provide personal information such as your Social Security number and photo ID, along with an initial deposit, if applicable.

Are These Frost Bank Products Worth the Switch?

Check back each month for updates and new promotions as they are available. Frost bank is certainly worth a second look if you live in Texas, thanks to its competitive interest rates and low fees.

If you’re looking for cash bonuses, consider checking out other bank promotions that pay free money for opening new accounts.

Frost Bank Promotions FAQ

Does Frost Bank offer sign-up bonuses for new checking accounts?
- At this time, Frost Bank is not offering sign-up bonuses on new checking accounts. However, you can still save by qualifying for fee waivers on monthly service charges from one of the checking account offerings, starting at $8 and up to $30.
How can I waive the monthly fee on a Frost Bank personal checking account?
- You can waive the $8 monthly service fee on the Frost Personal Account if you have at least $100 in deposits every month. Or, if you maintain a $1,000 daily balance or keep $5,000 in all of your Frost accounts. The fee is automatically waived if you're under 25.
Does Frost Bank offer discounts on auto loans?
- Yes. Frost Bank offers a 0.25% discount on auto loans. To do this, you must have automatic payments set up from your Frost checking or savings account.

Top Accounts for {{current_month-name}}

More About Frost Bank

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

This article has been updated with additional reporting since its original publication.