Frost Bank is run like a small town bank that treats everyone as important. The personnel are always personable, helpful, and provide great service with pleasant interaction. They offer practical benefits like Saturday lobby hours and locations open longer, including evenings. Services include free checking accounts for minors as a learning tool and quick debit card replacement. Customers report that their business is valued regardless of account size, with tellers who know their names. For many, it is the best bank.