Frost Bank Hours: What’s Open and How To Bank Anytime
Written by
Sarah Sharkey
Edited by
Joe Evans
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Planning a branch visit?
Here’s a simple, year-round guide to Frost Bank hours — how branches typically operate, which holidays affect service and the fastest ways to handle your banking in the app, online, or at an ATM when the lobby is closed.
Frost Bank Regular Branch Hours
Hours vary by city and branch format, but many locations follow something like:
- Monday-Friday: around 9:00 a.m. to 5:00 p.m.
- Saturday: closed (select locations may offer limited hours)
- Sunday: closed
Always confirm your local schedule with the Frost Location Finder (website or mobile app). Downtown, in-store and specialty branches may differ.
Lobby, ATM & In-Branch Services
Some services run on separate or shorter schedules than the main lobby:
- ATM vestibules: Typically 24/7 card access for withdrawals; select ATMs accept deposits (availability varies).
- Bankers by appointment: Consultations may be appointment-only outside peak hours — schedule ahead.
- Safe deposit boxes: Access is usually limited to staffed branch hours; call your branch to confirm.
Frost Bank 2025 Holiday Schedule
Here’s when Frost Bank branches will be closed in 2025 due to federal holidays:
| Holiday | Date | Branch Hours |
|---|---|---|
| New Year’s Day | Wednesday, Jan. 1 | Closed |
| Martin Luther King Jr. Day | Monday, Jan. 20 | Closed |
| Presidents Day | Monday, Feb. 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept. 1 | Closed |
| Columbus Day/Indigenous Peoples’ Day | Monday, Oct. 13 | Closed |
| Veterans Day | Tuesday, Nov. 11 | Closed |
| Thanksgiving Day | Thursday, Nov. 27 | Closed |
| Christmas Day | Thursday, Dec. 25 | Closed |
Processing note: ACH and many direct deposits don’t post on federal holidays. Items scheduled for a holiday generally post the next business day.
How To Bank With Frost When Branches Are Closed
You’ve got options any time of day:
Frost App & Online Banking
- Check balances and recent activity
- Transfer funds and pay bills
- Deposit checks with mobile deposit (limits apply)
- Set up alerts and schedule payments
- Send money with Zelle® (recipient eligibility/limits apply)
ATM Network
- Withdraw cash and check balances
- Make deposits at eligible ATMs (where available)
- Use the locator in the app to find nearby Frost ATMs and participating partner machines
Customer Support
- Phone support, in-app chat and secure messaging provide help when lobbies are closed (availability may vary by line and product).
Tips for Smooth Banking
- Deposit early if you need funds available right after a weekend or holiday.
- Schedule bill payments a day or two ahead to avoid late fees.
- Use Zelle® for eligible person-to-person transfers when timing matters.
- Save the locator to quickly find branches and ATMs when you travel.
- Set account alerts for balances, transactions, and due dates to stay on track.
Final Take to GO
Frost Bank makes everyday banking easy — even when the lobby is closed. With 24/7 mobile and online tools, a broad ATM network and flexible support options, you can check balances, move money, pay bills and deposit checks on your schedule.
For anything requiring in-person help, confirm your branch hours and plan your visit on a regular business day.
Looking to compare other banks’ holiday hours? Check out schedules for Wells Fargo, Navy Federal or Bank of America to plan your next visit.
FAQs: Frost Bank Hours and Access
Here are the answers to some of the most frequently asked questions about Frost Bank hours and schedules.- What are Frost Bank’s hours today?
- Branch hours vary by location. Check the Location Finder in the app or on the website for today’s schedule.
- Are Frost Bank branches open on weekends?
- Many branches are closed on Saturdays and Sundays; some markets may offer limited Saturday hours. Confirm locally.
- Do deposits post on bank holidays?
- Generally no. ACH and most direct deposits don’t process on federal holidays and typically post the next business day.
- Can I apply for an account or loan when branches are closed?
- Yes. You can start applications online or in the app; underwriting and servicing resumes on business days.
- Is there 24/7 customer service?
- Phone support and digital channels are available; specific hours can vary by product line. Check the Contact section in the app or site.
- Can I access a safe deposit box outside lobby hours?
- Usually no. Safe deposit access is limited to staffed hours -- contact your branch to confirm availability.
More on Frost Bank
Hours are subject to change and may vary by branch. All holiday hours were confirmed as of August 29, 2025.
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.
