Frost Bank

Frost Bank is a US bank with three business checking products: Frost Business Checking, Frost Business Checking Plus and Frost Analyzed Checking, the last of which is designed for larger companies.

Accounts and fees The published monthly fees are $14 for Business Checking and $30 for Plus, both with conditions under which the fee is waived. Analyzed Checking carries a $60 base fee. The packages combine cash handling, including cash deposits, with a Visa Business Debit card.

Treasury For more complex management of funds the bank points to Treasury Connect, and treasury management is on the service list. Companies with heavier cash flows would typically move from the standard accounts to Analyzed Checking and add treasury tools.

Deposit protection The bank states that it is an FDIC member. Coverage depends on the depositor, the ownership category and eligibility; it is a deposit insurance scheme, not the safeguarding model of an electronic money institution.

Who it suits The ladder fits domestic businesses that deal in cash and cards and may later need analysed billing and treasury services from the same relationship bank. Waiver conditions should be read in the bank's fee schedule.