What it does
Frost Bank’s business online banking combines account activity, vendor payments and deposited-check images. Businesses can give colleagues access without granting full control. Its business checking accounts carry monthly fees, with waiver conditions on the standard and Plus options.
Use deposited-check images to investigate a payment and add a transaction memo for colleagues to see. Shared notes keep the explanation alongside the account activity. Employee and partner permissions can allow access without full control.
Existing customers register for online banking, then activate Business Online Banking through Account Services. Scanner-based deposits and more extensive cash management use the separate Frost Connect service.
Compare the business accounts
| Account | Monthly service charge before waivers | Included activity |
|---|---|---|
| Business Checking | $14 | 125 non-electronic items and $5,000 cash processing |
| Business Checking Plus | $30 | 250 non-electronic items and $20,000 cash processing |
| Analyzed Checking | $60 base charge | Charges vary with activity, services and earnings credit |
Standard and Plus include unlimited electronic deposits and withdrawals. Plus also includes three outgoing domestic wires, cashier’s checks, money orders and stop payments.
Standard Checking waives its monthly fee with any one of: a $1,500 minimum daily balance; $15,000 combined average daily business-deposit balances under the same name; $1,000 net linked debit-card spending per statement cycle; or a Plus account in the same business name. Above the standard item allowance, each additional item costs $0.35.
Opening the business account
Call Frost or visit a financial centre. Bring the company tax ID, or an SSN for a sole proprietorship, formation documents, the physical business address and government-issued photo ID for every signer. The opening deposit is $50.
Strengths
- Transaction memos are visible to other account users
- Colleague access can be granted without full control
- Standard and Plus include unlimited electronic deposits and withdrawals
Watch out for
- Ordinary online banking does not include Frost Connect’s scanner service
- Monthly account fees apply unless a waiver condition is met
- Standard Checking charges $0.35 for each item beyond its allowance
Best for
- Frost business customers coordinating banking and bookkeeping
- Businesses comparing account allowances with their monthly transaction volume
Sources
- Frost Business Online Banking: Memos, Access and Registration (Oct 27, 2026)
- Frost Business Checking Options and Allowances (Oct 27, 2026)
- Frost Business Checking Rate and Fee Schedule, Effective September 2025 (Oct 27, 2026)
- Frost Business Checking: Application Documents (Oct 27, 2026)