Frost Bank Reviews

I’m concern about the upcoming changes where Frost Bank will remove security questions from logging into your account.
Though I like OTP, it does not protect users from sim swapping scams. Sim swapping scams are where the victim looses access to their phone number because the hacker has successfully convinced the cellphone company that they are *you*. The scammer will direct your cellular service to their cellular device and the scammer will receive OTPs to their cellular device without you ever knowing.
Personal security questions are a barrier that protects users from data breaches that leaks users SSN or the last 4 digits of the users credit card number. Though Frost bank isn’t responsible for sim swapping, or identity theft, depersonalizing the security of a users financial account is irresponsible.

Update 11/19. Developer contacted me apologizing and claiming they have done updates . Of course they didn’t address the ones on this review. Was not expecting to have them done so soon, but should’ve acknowledged them. The response seems like a “canned message”.

Downgraded to 1 star.

The looks are OK, but the functionality leaves a lot to be desired. On the Chase app I am able to use face ID as a single login to both personal and business accounts, here I cannot. Not understanding why. Also, why can’t I use face ID for a single account even when selecting the account I want to access? Obviously it has been proven that FaceID is very safe. Not sure why spend money to “modernize “ a look vs provide better features. Thanks

I like the frost app, I obviously bank with them so I use FrostBank for convenience. Everything in the frost app is easy, I can find everything very quickly. My minus is I use a bank app for practicality, and I expect it to be at my disposal whenever I need it, because you never know what you’ll need it for and ive had times during nights or times when I needed to get into my account but can’t because FrostBank is either down, getting weekly renovated or having constant maintenance. I don’t understand what is being fixed either because I don’t see differences, but also for a banking app I don’t see the need for fixing things either. Personally with how often FrostBank is down or getting “fixed” is SUPER inconvenient.

Slight improvement with today’s new update. Can at least see all four of my accounts on the same screen. Still the account transaction view has way too much white space between transactions requiring excessive scrolling. Location functionality is still very bad. My location isn’t even centered on the map! Please provide an option for list of branches by distance rather than the inadequate mapping. Finally, please fix Mobile Check Deposit. In previous versions FrostBank automatically moved to step 2 for endorsement image after accepting step 1’s front of check capture. Now we have to press another button to move to step 2. Fix these three things and you’ll be back to 4 stars.

Works well with current IOS however if you have multiple accounts, it is very lacking. For example, you can't use the same phone number to receive messages that you use on another account and also why can we only use email for some types of messages and only texts for others? That's just stupid! Also why can't I link in to view multiple accounts from my business account perspective as opposed to being able to do it from my personal account? Another stupid non feature! Also haven't figured out why when I have multiple accounts that my fingerprint login feature went away! Wake up developers!

Overall, I really like using FrostBank. By far one of the best, but I can’t give it 5 stars…yet. My issue concerns making a payment, as the Payee list is oddly sorted. The payee list is sorted alphabetically on the web browser, so I can quickly scroll through to find the payee. That should probably be the default in FrostBank as well. You could even add the option to sort the list in various ways (name, last paid). Or perhaps add a search option at the top to find it even faster.

I love Frost with all my heart. Even though their mobile app could include more features, it has a very nice and modern feel. I love how my paychecks are always 2 days early and how they’re able to help me during tough times by refunding my overdraft fees.

I’m always look at the little things, but I think it would be amazing if they added the customers name to the front of their card and have the year of when the person became a customer below the name and have the text slightly raised. Maybe even add back the security Visa Dove hologram on the back and move the contactless symbol on the front.

But other than that, I’m very happy with Frost and don’t plan to move banks anytime soon.

We had Jessie today who was so nice & helpful. We were waited on within just a few minutes, which is huge because when you go into most banks today you usually have to wait a very long time to speak with anyone to be helped with account issues. Thank you Frost Bank & Jessie for the outstanding customer service that we received today and that we receive most every day we go into our Pearland branch!

Everything is great except for I wish I was able to see every check I deposited mobile. As of now I can’t see who the check is from that gets deposited. I receive checks from multiple companies and I have to keep the actual check to see who it is from. I wish there was a picture or some other way to see who it was from after depositing.

I’m very pleased to be with Frost Bank! My previous bank somehow the address linked to my debit card was not what is was supposed to be. They couldn’t even give me the information on my own account. Since switching to Frost, I’ve had excellent customer service, staff is personable. They do care about their customers! The Frost app is very user friendly!! If you’re not sure who to bank with Frost is definitely the one!

I’ve been with Frost Bank over 30 years and love their service. Their app is very easy to use. I like being able to put a note next to every posted transaction. The freeze and unfreeze option is pretty cool, too. However, when unfreezing a card, it states card is ready to use immediately, but sometimes takes a few minutes to allow charge to go thru.

I was having breakfast with my sisters one day. My phone rang, I said oh it’s Frostman my sister the oldest quickly responded. Don’t answer that it’s a scam. I said no it’s not it’s Frost Bank. I recognize her phone number. She said no bank never calls you that’s when the other three sisters, made their comments and said she’s right don’t answer it a bank never calls you and I said my bank does she said who do you banquet? I said Frost Bank they always call whenever they see something that just doesn’t seem right. They call me personally and ask me they couldn’t believe it. I told him we’ve been banking with Frost bank for years.

My husband and I started as newlyweds with Frost in 1979. We never regretted our choice. Frost was there for us through good and bad times. I recently had to deal with my sisters bank and it was a nightmare. I never spoke with anyone from the United States. When I went with her to a branch location it too was such a terrible experience. I love when I call or go into a Frost branch I am treated with such respect. At 70 years old, being invisible is a standard, but never at Frost. Thank you for seeing me. Carol Schuh

This bank is the best combination of the things you love about small banks (personable, genuine interest in their customers) and what you love about a large bank (accessibility, good online technology). When other banks told me I didn’t qualify for a PPP loan, the specialist at Frost held my hand every step of the way and secured my approval. She did the same thing when it came to loan forgiveness, which was granted. I will be there customer for life and know many other small business owners show feel the same.

I went into Frost Bank Vic branch years back with my wife to put her name on the checking acct that I , myself had opened when Bank of America had forced my hand to find local branch for our convenience. When I finally got to take my wife to the branch to add her name to acct & at the time get checks made, I think but anyway she was turned away due to her credit score we were told. Every since then this has created problems. Her insisting to change banks. We have had a Jount checking acct for Our 34 years of marriage at the time & have never had a problem having a joint acct until going to Frost Bank. What can be done about this problem?

Sincerely
Robert Phillips

I’ve never had a single bad experience. I’ve been in many branches and I don’t think I’ve ever had to wait more than a couple of minutes, (and usually there is no wait) and the service has always been, and I mean always, efficient and pleasant! The customer service on the phone is also fast and courteous. My only complaint is that I wish you could get a credit card with a private account. Unfortunately, you can only get one with a business account.

While I console my friends as they complain about the arduous task of getting someone to answer the phone at their big bank, I quietly share with them two words: Frost Bank. In 30 years of banking at Frost, I’ve had NO (zip, nada) bad, poor, frustrating, nor unnerving experiences. Contrast that to calling the cable company or one of the other name brand banks. In fact, when a Frost employee answers the phone (in # of rings too short to count) they inquire “ How can I make your day better”? And they predictably DO MAKE MY DAY BETTER! What other bank does that?!

I’m not one to ever write any review . but with all I been going thru I must say Frost had my back and has handled everything 100 percent with my checking and savings . I am thankful for the 24 hour customer service support . I would be lost without Frost . Hey I think Ill make A commercial that says , don’t be lost Bank with Frost , lol. I’m happy and very satisfied with there compassion and kindness when I need them . Thank u Frost for making my banking a lot easier. I would Recommend Banking With Frost to everybody I know , I can Trust Them , and I Really Appreciate all of Frost service, . Sincere A Happy Customer , . JJ 2022

As someone who likes to avoid going into the bank at all costs, I rely heavily on digital banking which requires a solid banking app. I was pleasantly surprised to find the Frost banking app feels solid, smooth and quick, looks clean and modern, and is very user friendly. It rivals the likes of Chase and Wells Fargo—which both have great apps but can sometimes feel clunky. It almost feels as if it’s running on a Microsoft or Apple platform, which I appreciate. Even the external account updates through Plaid is very quick. And there is in-app chat with customer service, which some of the largest banks don’t offer.

Some things I’d like to see:

• Automatic sign in with Face ID (iPhone) - I feel as though having to tap to log in with Face ID is inefficient. If Face ID is activated, it should initiate automatically upon opening FrostBank .

• Push notifications - I would like to receive a push notification from FrostBank for purchases/direct deposits as opposed to a text message.

• Support to receive RTP (Real-Time Payments) from external accounts

I’ve been with Frost Bank from 1996 to present and have never considered banking anywhere else. Through the years they have have always been very progressive with technology, implementing the most customer friendly tools to bank with. Did I mention that their Customer Service is beyond great. No waiting, help when you need it and so friendly. They always treat you with respect. Never leaving Frost. Sincerely, Linda Allen