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Updated August 2026.
How much is Frost Bank’s overdraft fee? Frost Bank charges $35 per overdraft when you overdraw by more than $100, capped at $105 a day. Frost Personal and Frost Plus accounts include a built-in $100 overdraft grace, so you will not be charged if you overdraw by $100 or less. Frost also skips the fee on paid items of $5 or less, and does not charge when it returns a check or ACH unpaid.
| Frost Bank overdraft, at a glance | What it means |
|---|---|
| Overdraft fee | $35 per item paid into overdraft when you are overdrawn by more than $100 |
| Daily maximum | $105 per day (up to three $35 fees) |
| Overdraft grace | No fee if overdrawn by $100 or less (Frost Personal and Frost Plus accounts) |
| Small-item exception | No overdraft fee if the paid transaction is $5 or less |
| Returned-item (NSF) fee | $0 when Frost returns an ACH or check unpaid |
| Early payday | Direct deposits post up to 2 days early with a Frost Personal or Plus checking account |
| Account | Figures describe the Frost Personal and Frost Plus checking accounts |
Fees verified August 26, 2026 from Frost Bank’s personal checking fee disclosures and Early Payday and Overdraft Grace page.
How Frost Bank’s overdraft fee works
Frost Bank charges $35 for each item (check, in-person withdrawal, ATM withdrawal, or other electronic payment) it pays that overdraws your account by more than $100. Fees stop at a $105 maximum per day. Frost will not charge an overdraft fee when the paid transaction is $5 or less, when a debit or ATM request is declined, or when it returns an ACH or check unpaid.
The $100 overdraft grace
Frost Personal and Frost Plus checking accounts come with $100 overdraft grace automatically. You are not charged the $35 fee if you overdraw by $100 or less under Frost’s standard overdraft practices. Account standing still matters. Frost can refuse coverage if the account is not in good standing, deposits are irregular, or overdrafts are too frequent.
Does Frost Bank charge a returned-item (NSF) fee?
No. Frost’s current checking disclosures say it will not charge an overdraft fee when an ACH or check is returned unpaid. Frost also states it will not charge the $35 fee on paid items of $5 or less.
How Frost Bank compares to the average U.S. bank
Bankrate’s 2025 checking account and ATM fee study found the average overdraft fee across U.S. banks is $26.77 and the average NSF (non-sufficient funds) fee is $16.82. 61% of accounts surveyed still charge an overdraft fee at all, and 66% offer some kind of grace period or no-fee cushion before charging one.
| Category | Frost Bank |
|---|---|
| Overdraft fee vs. $26.77 average | $35 per item, close to the $26.77 average, softened by a $100 grace |
| NSF fee vs. $16.82 average | $0, well below the $16.82 average |
How to avoid overdraft fees and mistakes
- Lean on the $100 grace. Staying within $100 negative on a tight day means no fee at all.
- Set up direct deposit to get paid up to two days early and stay ahead of due bills.
- Use balance alerts in Frost’s mobile app to catch a low balance before it becomes an overdraft.
- Link a backup account for overdraft protection if you routinely go past $100 negative.
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How this compares to other banks
Here is how this account lines up against a few named banks we track, using each bank’s own current fee schedule.
| Bank (typical account) | Overdraft fee | No-fee cushion |
|---|---|---|
| Frost Bank (Personal/Plus) | $35, max $105/day | $100 grace; no fee on $5 or less |
| Huntington (Asterisk-Free) | $15, up to 3/day | $50 Safety Zone + 24-Hour Grace |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
| U.S. Bank (Smartly) | $36 per item over $5 | $50 buffer + Fee Forgiven |
| Ally Bank (Spending Account) | $0, none charged | No cap needed |
See fee details for more banks on our overdraft fees by bank comparison page.
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FAQ
How much is Frost Bank’s overdraft fee?
Frost Bank charges $35 per item it pays that overdraws your account by more than $100, up to $105 per day.
What is Frost Bank’s overdraft grace?
Frost Personal and Frost Plus checking accounts include $100 in automatic overdraft grace. You are not charged a fee if you overdraw by $100 or less.
Does Frost Bank charge an NSF fee?
No. Frost’s checking disclosures say it will not charge an overdraft fee when an ACH or check is returned unpaid.
Do I need to sign up for Frost Bank’s overdraft grace?
No. Frost Personal and Frost Plus account holders are automatically enrolled.
How many overdraft fees can Frost Bank charge in one day?
Up to $105 per day, which is three $35 fees.
Does Frost Bank offer early direct deposit?
Yes. Frost makes eligible direct deposits available up to 2 days early for personal checking accounts.
