vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$5 above the Texas median
per item · For each item that overdraws account by more than $100. Fee does not apply if: transaction is $5 or less, debit card was authorized with sufficient funds, debit card/ATM declined, ACH/check returned unpaid · Institution’s schedule
$5 above the national median$5 above the Texas median
per item · Source
$30 below the national median$30 below the Texas median
per item · Source
$5 below the national median$4.75 below the Texas median
per item · Source
per day · Maximum overdraft fees per day · Institution’s schedule
$0.50 above the national median$0.50 above the Texas median
$5 above the national median$10 above the Texas median
per item · Institution’s schedule
At the national medianAt the Texas median
per item · Institution’s schedule
At the national medianAt the Texas median
per item · Source
$3 above the national median$3 above the Texas median
per item · Source
$2.50 above the national median$0.50 above the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
$20 above the national median$20 above the Texas median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Overdraft & NSFVerified | |||||
| Overdraft Fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the Texas median | per item | For each item that overdraws account by more than $100. Fee does not apply if: transaction is $5 or less, debit card was authorized with sufficient funds, debit card/ATM declined, ACH/check returned unpaid | Institution’s schedule |
| Overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the Texas median | per item | — | Source |
| Return item | $0Below the typical range ($25–$32 nationally) | $30 below the national median$30 below the Texas median | per item | — | Source |
| Overdraft Protection Transfer, each advance from: Another deposit account Line of credit (subject to credit approval) | $0Below the typical range ($2.50–$5 nationally) | $5 below the national median$4.75 below the Texas median | per item | — | Source |
| Overdraft Daily Cap | $105Within the typical range ($99.50–$175 nationally) | $20 below the national median | per day | Maximum overdraft fees per day | Institution’s schedule |
ATM & CardVerified | |||||
| Non-Frost ATMs | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Texas median | — | — | Source |
Wire TransfersVerified | |||||
| Incoming Wire Transfer | $15Within the typical range ($5–$15 nationally) | $5 above the national median$10 above the Texas median | per item | — | Institution’s schedule |
Check ServicesVerified | |||||
| Cashier's Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Texas median | per item | — | Institution’s schedule |
| Cashier’s check | $5 | ||||
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
7 of 15
Published fees
13
Under review
0
Assets
$54.0B
Work at Frost Bank? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$54.0B
Total deposits
$43.7B
Service charge income
$31.4M
Fee income ratio
5.4%
Return on assets
1.32%
Branches
222
Service charge income by quarter
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| At the national medianAt the Texas median |
| per item |
| — |
| Source |
| Money order | $5Above the typical range ($1.50–$3 nationally) | $3 above the national median$3 above the Texas median | per item | — | Source |
| Stop payment | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$0.50 above the Texas median | per item | — | Source |
| Domestic collection item | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Texas median | per item | — | Source |
| Foreign collection item | $40Above the typical range ($10–$25 nationally) | $20 above the national median$20 above the Texas median | per item | — | Source |