The 114000093 routing number belongs to Frost Bank, the San Antonio-based institution that has operated in Texas since 1868. Frost uses this single nine-digit code for every checking, savings, money market, and business account across all of its Texas branches, so the same number works whether your account was opened in Houston, Dallas, Austin, or anywhere else in the state. You will need it any time you set up direct deposit, schedule a bill payment, or send or receive an ACH transfer tied to a Frost Bank account.
What This Number Is Used For
Routing number 114000093 is Frost Bank’s Automated Clearing House number. ACH is the network that moves most of the everyday electronic payments consumers deal with: payroll direct deposits, recurring utility and insurance payments, mortgage and loan drafts, and government benefit deposits like Social Security. When you hand your routing and account numbers to an employer or a biller, the money moves through the ACH network and lands in your Frost account using this number as the address.
ACH transfers normally settle in one to three business days, and same-day ACH is available when timing matters.1Nacha. The ABCs of ACH Frost, like most banks, may set its own daily or monthly limits on outgoing ACH transfers depending on the account type.
When Not to Use 114000093
Two situations call for a different number entirely.
Domestic wire transfers often run on a different routing number than ACH. If someone is wiring funds to your Frost account, call Frost Bank first and ask for the wire transfer routing number rather than handing over 114000093. The wrong number can delay the wire or send it to the wrong place.
International transfers do not use a nine-digit routing number at all. Incoming international wires move through the SWIFT network and require Frost Bank’s SWIFT code (also called a BIC), your account number, and usually your full name and address. Some countries also require an IBAN. Contact Frost directly for the current SWIFT code, and expect international wires to take one to five business days and carry higher fees on both ends.
What You Need to Give Someone Paying You
To set up a transfer into a Frost Bank account, the sender needs three pieces of information:
- Bank name: Frost Bank
- Routing number: 114000093
- Your individual account number
The routing number tells the ACH network which bank. The account number tells Frost which customer. Getting the routing number right but the account number wrong sends money to a stranger’s account at Frost, which is harder to claw back than a transfer misrouted to a different bank entirely. When the receiving bank cannot locate the account, it returns the transfer with code R03, meaning “no account” or “unable to locate account.” That bounce can take several business days to resolve and may trigger fees from either side.
Where to Find and Confirm the Number
On a paper check, look at the bottom edge. The routing number is the first group of nine digits on the left side of the MICR line, framed by two matching transit symbols. Your account number sits just to the right, followed by the check number. The placement is standardized so bank scanners can read it reliably.2Government Publishing Office. GPO Publication 310.5 – Guidelines for MICR, OCR, and OMR
If you do not have checks on hand, your routing and account numbers are inside the Frost Bank online banking portal and mobile app, usually under an “Account Details” option after you select the specific account.
If you ever see a conflicting answer online about who owns 114000093, the Federal Reserve’s E-Payments Routing Directory is the authoritative source and is updated daily. Searching the number there will confirm Frost Bank as the registered owner.3Federal Reserve Financial Services. E-Payments Routing Directory
If a Transfer Goes Wrong
You have a narrow window to catch a mistake. For a recurring ACH debit you previously authorized, you generally need to request a stop payment at least three business days before the next scheduled payment date. For a one-time transfer you just submitted, call Frost right away. Once the item has moved through the ACH network, stopping it gets much harder, and ACH reversals, when available at all, typically have to happen within five business days of the original transaction.
Stop payment orders often carry fees of $20 to $35, and a failed transfer due to insufficient funds can tack on another $30 or more. Checking both the routing number and the account number before you hit submit is the cheapest fraud and error prevention step available.
Your Rights Under Regulation E
Federal Regulation E protects you when electronic fund transfers go wrong, including unauthorized transfers, incorrect amounts, missing transfers, and bank computational errors.4eCFR. 12 CFR Part 1005 – Electronic Fund Transfers (Regulation E)
You have 60 days from the date Frost sends the statement showing the problem to notify the bank. Frost then has 10 business days to investigate and respond. If more time is needed, the investigation can extend to 45 days, but the bank must provisionally credit your account within those first 10 business days while it continues looking. If an error is confirmed, Frost has to correct it within one business day.5Consumer Financial Protection Bureau. 12 CFR Part 1005 – Electronic Fund Transfers (Regulation E)
Report problems fast. Waiting past the 60-day window can limit or wipe out your ability to recover the money.
Is It Safe to Share Your Routing Number?
By itself, the routing number is not sensitive. It is printed on every check you write and is publicly listed in the Federal Reserve directory. The risk shows up when someone has both your routing number and your account number, because that combination can be used to pull unauthorized ACH withdrawals, print counterfeit checks, or make purchases at merchants that accept bank account payment.
A few habits lower the odds of that happening:
- Only give your account number to employers, billers, and institutions you contacted yourself.
- Review your transactions at least weekly. Catching unauthorized activity early preserves your Regulation E rights.
- Never send account numbers over email or text. Use Frost’s encrypted portal, or share by phone only on a call you placed.
- Turn on transaction alerts in the Frost app so you see money moving in real time.
If you think your account information has been exposed, call Frost Bank right away and file an unauthorized transaction claim. Under Regulation E, your liability for unauthorized transfers depends heavily on how quickly you report, so speed is the single biggest factor in how much you keep.4eCFR. 12 CFR Part 1005 – Electronic Fund Transfers (Regulation E)