Frost Bank

Commercial bank · San Antonio, United States

Frost Bank is a Texas state bank chartered in 1899 and owned by Cullen/Frost Bankers, listed on the New York Stock Exchange. It held USD 53.95 billion of assets and USD 43.67 billion of domestic deposits at 30 June 2026 across 222 financial centres, every one of them inside Texas. For businesses it sells tiered checking, money market accounts, SBA and commercial loans, Frost Treasury Connect for cash management, and Frost Global Trade Services for foreign exchange wires and letters of credit. Business credit cards carry the Frost name but are issued by Commerce Bank, and the application is a PDF that must be mailed or brought to a financial centre.

Legal name: Frost Bank
Regulated by: Federal Reserve (state member bank), FDIC (deposit insurance, certificate 5510), Texas Department of Banking
Licence confirmed: yes, on a regulator's own list
Established: 1899
Website: www.frostbank.com

Scores, 0 to 10

8.0Financial strength & stability

USD 53.95 billion of assets, a 15.42% total risk-based capital ratio, 1.31% return on assets and USD 350 million of net income in the first half of 2026. · source

8.0Customer satisfaction

The Frost Bank app scores 4.92 out of 5 from 74,744 US App Store ratings, and Frost cites seventeen consecutive years of Coalition Greenwich awards for small business and middle market service. · source

7.5United States

222 financial centres and USD 43.67 billion of domestic deposits at 30 June 2026, with ACH, wires and Zelle for business, but the whole network sits inside Texas. · source

6.5Trade, manufacturing & import-export

Commercial, export and standby letters of credit, documentary handling and export-import financing are offered through Frost Global Trade Services, plus correspondent banking, though the network is built around trade with Mexico rather than worldwide issuance. · source

6.0Cross-border payments, FX and multi-currency accounts

Frost Global Trade Services converts between US dollars and foreign currencies and clears foreign currency wires through partner banks, managed in the Global Trade Service Portal, but no margin or currency list is published. Frost Treasury Connect covers ACH origination, remote deposit capture, positive pay and ACH fraud prevention with a dedicated treasury management advisor, but cash pooling is single-country and US dollar only. · source

5.5Lowest fees

The entry business checking account waives its monthly service charge on a USD 1,500 minimum daily balance, USD 15,000 combined balances or USD 1,000 of card spend, includes USD 5,000 a month of cash processing and needs a USD 50 opening deposit. · source

5.5On-ramp: buy crypto with fiat

Frost sells no crypto, but its 2026 treasury management terms have no crypto restriction and a June 2026 exchange guide reports no limits on Frost debit card or ACH payments to regulated exchanges; that guide covers personal accounts, so evidence for businesses is thin. · source

5.0Business cards (Visa, Mastercard)

A Frost Visa Business Debit Card comes with business checking and two business credit cards are offered, but they are issued by Commerce Bank, applied for on paper, and capped at monthly credit limits of USD 25,000 or USD 100,000 with no virtual cards. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: Frost publishes no source-of-funds process for crypto proceeds and no reports of returned exchange wires were found, checked September 2026. · source

4.5Fast digital onboarding

Opening business checking needs a government-issued photo ID for each signer and a USD 50 deposit, and the business credit card application is a downloadable PDF to mail or bring to a financial centre. · source

4.0Best interest on business balances

The published Business Money Market table pays 0.05% APY below USD 15,000 and 0.15% at USD 15,000 and over; the High Yield Money Market requires a USD 25,000 minimum daily balance. · source

4.0Online businesses: e-commerce and SaaS

Frost sells merchant services for card acceptance alongside business checking, but offers no multi-currency collection accounts or marketplace payout product. A software company is treated as any other business: no banking API, no accounting or Stripe integration and no foreign currency receiving account is published. · source

4.0Startups & VC-backed companies

Frost lends to small businesses through SBA loans from a USD 25,000 minimum and lines of credit from USD 5,000, but publishes no venture debt, pre-revenue programme or cap-table integration. · source

3.0Crypto-friendly bank

Frost publishes no policy on banking crypto exchanges, brokers or miners; the business product pages list checking, savings, loans, cards, merchant services and treasury and never mention digital assets. · source

3.0Fintech companies that need a partner bank

Frost publishes nothing on safeguarding accounts, sponsor banking, BIN sponsorship or agency rail access for payment firms; the correspondent banking page is aimed at other banks. · source

3.0Foreign-owned & non-resident companies

Frost publishes no policy for companies owned or directed from abroad; the account opening list asks for a US driver licence, state ID or US military ID for each signer. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Frost publishes no acceptable use or prohibited business list covering gambling, cannabis, adult or forex clients, so there is no stated onboarding path for any of them. · source

1.0Crypto wallet and custody for a business

Frost holds no crypto for business clients; the app only lets users view balances of crypto accounts held elsewhere, and the 2025 Form 10-K mentions stablecoins and digital assets only as competitive threats, checked September 2026. · source

1.0Accept crypto payments

No crypto acceptance for merchants appears on Frost business pages, and its 2026 treasury management terms contain no crypto service, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or transfer is offered; linking an outside crypto account for viewing is the only bitcoin feature, checked September 2026. · source

1.0Ethereum

No ether trading, custody or staking is offered to any Frost client, and the 2025 Form 10-K names no such product, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

Frost offers no stablecoin accounts or payouts; its 2025 Form 10-K treats payment stablecoins under the GENIUS Act as a risk of deposit outflows, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.