Know Your Frost Bank Routing Number

What’s The Frost Bank Routing Number?

As a customer of Frost Bank, if you want to make a transaction through the bank, you need a Frost Bank Routing Number. These routing numbers help to identify the financial institution behind a transaction. But the routing numbers were actually designed to help sort, bundle and ship paper checks. As the time progressed, new means of transactions came into being. These new-age transfer methods were mostly Automated Clearing House and wire transfers. Hence, the routing number system incorporated these transaction modes into it. Here, you will also find answers to how to find your Frost Bank routing number and what is the routing number for Frost Bank?

Frost Bank Routing Number RoutingNumberUSA

The table given below shows all the Frost Bank Routing Numbers.

Frost Bank ABA Routing Transit Numbers (RTN)

Here is the state wise list of Frost Bank Routing Number for Checking Account and Savings Account.
S No.Region/StatePostal AbbreviationRouting Number

What is an ABA Routing Number?

Your ABA Routing Number has nine-digits. It is found at the bottom left corner of your check. As a banker, you can use a routing number to identify the financial institution behind a transaction. All transaction done through ACH and wire use the routing number system. The Federal Reserve Bank depends on ABA routing number system to process Fedwire fund transfers. The Automated Clearing House also uses the routing number system to process bill payments, direct deposits and other transfers.

The ABA routing number, as we know, came into being in 1910.  The American Bankers Association was behind its designing and implementation. The Association then tied up with several registrars over the years to manage this system. Currently, Accuity manages the routing number system and assigns them to the financial institutions.

ABA Routing Transit Number RoutingNumberUSA

There are currently 26,895 active routing numbers in use. According to the Routing Number Policy, a financial institution can have only 5 routing numbers. But as there are a number of mergers taking place between different banks, a financial institution can have more than 5 routing numbers. Routing Numbers may differ depending on where you opened your account. It also depends on the type of transaction you make.

What’s The Frost Bank SWIFT Code?

Frost Bank, like other banks, uses SWIFT Code to make all the international transactions for itself and its customers.

The SWIFT Code for Frost Bank is- FRSTUS44

What is a SWIFT Code?

SWIFT Code functions in the same way as a Routing Number. They help to identify the financial institution behind a transaction globally. Banks use swift codes to transfer money between them for international wire transfers or SEPA payments. They also use swift codes to exchange messages.

A SWIFT Code has 8 to 11 characters and they are explained as follows:


  • Bank Code- First four letters (alphabets) (Usually a shortened version of a bank’s name)
  • Country Code- Next two letters (alphabets) (The country bank is located in)
  • Location Code- 2 digit location code (alphabets or digits) (Location of bank’s head office)
  • Branch Code- optional three digits (alphabets or digits) (It specifies banks branch instead of head office)

Things To Know About The Frost Bank

Frost Bank is a Texas-chartered bank that is based in San Antonio. The bank has 139 branches all over the state. This makes it one of the largest Texas-based banks along with Comerica. You need the Comerica Bank Routing Number if you have an account in the bank. Frost offers a complete range of commercial and consumer banking products, investment and brokerage services and insurance products to its customers across Texas.

Its parent company, Cullen/Frost Bankers, Inc., is a financial holding company, based in San Antonio. Frost converted its 113-year-old federal charted into a state charter in June 2012.

Col. Thomas Claiborne (T.C.) Frost founded the Frost bank in 1868 in San Antonio. In 1977, Frost bank Corp. and Cullen Bankers, Inc. of Houston merged and formed the Cullen/Frost Bankers, Inc., a holding company. Frost was the first bank in the country which declined TARP bailout funds when the financial crisis of 2007-2008 came. Since then, Frost has more than doubled in asset size.

Frost Bank ABA Routing Number RoutingNumberUSA

This huge growth meant that Frost has a strong Texas base and boosted the bank to expand its services. With each passing year, Frost has broadened its range of financial services, including business and consumer banking.

Frost Bank is based in San Antonio, Texas. Its address is:

100 W. Houston Street, San Antonio, Texas 78205