You’re staring at a check that needs depositing or maybe you just realized you need a notary before the weekend hits. We've all been there. Texas is big, and banking here usually follows its own rhythm. If you’re asking what time does Frost Bank close, the short answer is usually 5:00 PM for the lobby. But honestly, it’s rarely that simple. Depending on whether you're hitting the drive-thru (the "motor bank") or walking through the front doors, that closing time can shift by an hour or more.
Frost is a Texas institution. They’ve been around since 1868, so they have deep roots from San Antonio to Dallas. But because they have over 200 financial centers across the state, "standard hours" can vary slightly by market. If you are in a rush, you’ve basically got two different clocks to watch: the lobby clock and the drive-thru clock.
The Standard Schedule: What Time Does Frost Bank Close?
Most Frost Bank lobbies shut their doors at 5:00 PM local time, Monday through Friday.
They typically open at 9:00 AM. If you're looking for the motor bank—the drive-thru—you usually have a bit more wiggle room. Most Frost drive-thrus stay open until 6:00 PM. That extra hour is a lifesaver when you’re stuck in I-35 or I-10 traffic and just need to get a transaction done before the day ends.
Wait. There’s a catch.
Some locations, like the Stafford Financial Center or the Heights Financial Center in Houston, might have slightly different schedules. For example, while the lobby might close at 5:00 PM, their motor bank often opens earlier (around 8:00 AM) and stays open until 6:00 PM. It’s always smart to check the specific branch because a few outliers might close their lobbies as early as 4:00 PM or stay open later for specific events.
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Does Frost Bank Open on Saturdays?
This is where people get tripped up. Most Frost Bank branches are closed on Saturdays.
If you’re used to some of the massive national "big box" banks that keep doors open until noon on the weekend, Frost might surprise you. However, it’s not a total blackout. Certain high-traffic locations, like the West Weslaco Financial Center or the Texas City branch, actually do offer Saturday hours.
When they are open on Saturday, it’s usually a short window: 9:00 AM to 1:00 PM.
Sundays? Forget about it. Like almost every other financial institution in the country, Frost is locked up tight on Sundays. You’re limited to the ATM or the app.
Holiday Closures in 2026: Mark Your Calendar
Since Frost is a member of the Federal Reserve System, they follow the standard federal holiday schedule. If the Fed is closed, Frost is closed. No exceptions. This means if you have a bill due or a transfer that needs to clear, you need to account for these dates in 2026:
- Martin Luther King Jr. Day: Monday, January 19
- Presidents Day: Monday, February 16
- Memorial Day: Monday, May 25
- Juneteenth: Friday, June 19
- Independence Day: Saturday, July 4 (Banks usually observe this on Friday or are closed Saturday)
- Labor Day: Monday, September 7
- Columbus Day / Indigenous Peoples Day: Monday, October 12
- Veterans Day: Wednesday, November 11
- Thanksgiving Day: Thursday, November 26
- Christmas Day: Friday, December 25
One thing to keep in mind is that "banking days" are different from "calendar days." If you deposit a check at a Frost ATM at 7:00 PM on a Friday before a Monday holiday, that money likely won't start the clearing process until Tuesday morning. That’s a long time to wait if you’re tight on cash.
Exceptions and the "Motor Bank" Loophole
The term "Motor Bank" is very Texas. It’s just their way of saying drive-thru, but it’s a distinct part of their operation.
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Usually, the motor bank staff handles the bulk of the quick stuff—deposits, withdrawals, cashing checks. Because the staff is behind glass, they can stay open earlier and later than the lobby staff who deal with things like opening accounts or sitting down for loan applications.
If you arrive at 5:15 PM and the lobby doors are locked, don’t panic. Circle around to the drive-thru. Most likely, they are still there taking lanes until 6:00 PM.
24/7 Banking Options
If you’ve missed the 6:00 PM cutoff, you aren't totally out of luck. Frost has a pretty robust 24/7 support line. You can call (800) 513-7678 any time of day or night. Seriously. They pride themselves on having a real human answer the phone in Texas, not a robot in a call center halfway across the world.
- ATMs: Most are 24-hour access and allow for check and cash deposits.
- Mobile App: You can do mobile deposits up to certain limits.
- Online Banking: Good for transfers, but won't help you with physical cash.
Practical Steps for Your Next Visit
If you need to get to the bank today, here is the best way to handle it so you don't waste a trip.
First, use the Frost Bank Location Finder on their website. It’s better than Google Maps because it specifically breaks down "Lobby Hours" vs. "Motor Bank Hours." They also list whether a location has a "Walk-up ATM" or just a drive-thru one.
Second, if you have a complex task—like a large wire transfer or a safe deposit box visit—aim to get there at least 30 minutes before the lobby closes. Frost staff is known for being friendly, but some tasks take time to process before the system shuts down for the night.
Finally, keep an eye on the clock for those Saturday branches. Since so few are open, the ones that are tend to get a bit of a rush around 11:00 AM. If you can, go right when they open at 9:00 AM to beat the "weekend warrior" crowd.
Banking doesn't have to be a headache if you know the rhythm. Just remember: Lobby at 5, Drive-thru at 6, and double-check those Saturdays.