Debit card overdraft preferences

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.

  2. We also offer overdraft protection plans, such as a link to a savings account or personal line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask a Frost banker about our plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?


We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following type of transaction unless you ask us to (see below):
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Frost pays my overdraft?

Under our standard overdraft practices:
What if I want Frost to authorize and pay overdrafts in my everyday debit card transactions?

If you also want us to authorize and pay overdrafts on everyday debit card transactions, please let us know: