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Frontier State Bank Review

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Frontier State Bank Savings
0.75% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1975, Frontier State Bank has $628 million in assets as well as deposits totaling $406 million, which makes the institution a medium-size bank. Frontier State Bank, whose headquarters are in Oklahoma City, Oklahoma, lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. We ranked Frontier State Bank at a 4.4 out of 5 stars, suggesting it is a solid contender in your bank search. Frontier State Bank offers a diverse array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Frontier State Bank's ordinary checking account does not have a monthly fee. Institutions that offer free checking and a high savings APY are the best bet for returning the most income on your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.75%, Frontier State Bank ranks poorly as compared against the national average. Frontier State Bank's one-year and five-year term lengths CDs earn at a rate of 2.63% and 2.99%, respectively, while its highest-yielding money market account has a rate of 1.26%. Given its poor savings rate, you should think about taking a look at other banks for savings accounts.

How Frontier State Bank's Savings Rates Compare

Frontier State Bank Savings 0.75 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Frontier State Bank typically has extremely low fees in comparison to the national average. Its checking account has no monthly fee, making it excellent for anyone looking for a hassle-free account. Also, Frontier State Bank has an overdraft fee of $25.00, which is markedly lower than the national average. Frontier State Bank does not reimburse out-of-network ATM charges, meaning you'll have to locate a Frontier State Bank ATM or eat the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $25.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Frontier State Bank is a brick-and-mortar bank, with one total bank locations in Oklahoma. With mobile and web apps, Frontier State Bank makes mobile banking straightforward, even on the go. Frontier State Bank's online and mobile banking services receive high praise from customers. With 9 ratings on iOS and Android platforms, the Frontier State Bank mobile app has an overall rating of 4.9 out of 5 (compared to the national average of 3.8). Frontier State Bank's mobile app lets you control your accounts by reviewing account balances, sending and receiving funds and reaching customer service. Frontier State Bank receives an excellent consumer satisfaction score based on relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.9/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Frontier State Bank is currently a medium-size bank owning $628 million in assets and $406 million in deposits. Its Texas Ratio is 34.69%, signifying that the bank is in fine financial condition. Additionally, Frontier State Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Frontier State Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.75% APY $100
Checking Account 0.75% APY $400
Certificates of Deposit
  • 12 Month: 2.63% APY
  • 24 Month: 2.84% APY
  • 36 Month: 2.89% APY
  • 48 Month: 2.94% APY
  • 60 Month: 2.99% APY
$1000 for all terms
Money Market Account 1.26% APY $500

Frontier State Bank offers several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Frontier State Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Frontier State Bank's CD rates are fair as compared against the national average.

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Find a Frontier State Bank Near Me

Frontier State Bank has one branches across the U.S.

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