# Frost Bank vs H

Frost Bank and H both sit at 4.9 stars, but that hides the real split: 73% of Frost Bank's written reviews are positive against 33% of H's. Frost Bank also leads on update cadence (every 2 weeks vs every 5 weeks) and ratings volume (77K vs 9.6K). H's advantage is iOS requirement (13.0 vs 15.0). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for Frost Bank against 4.9 for H. That said, the two scores are not equally well evidenced: Frost Bank has 77K ratings behind it against 9.6K, so its average is the more settled of the two. Written reviews are what separate them: 73% of Frost Bank's written reviews are positive against 33% of H's.

Frost Bank ships an update every 2 weeks, H every 5 weeks. Both last shipped on October 30, 2026.

## The numbers

| Metric | Frost Bank | H |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (77K ratings)](https://appshunter.io/ios/app/frost-bank/id605494138/reviews)** | [4.9 (9.6K ratings)](https://appshunter.io/ios/app/h-e-b-debit/id1514744431/reviews) |
| Number of ratings | **77K** | 9.6K |
| Positive reviews | **73.4% of reviews** | 32.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 278 MB | 53 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Frost Bank](https://appshunter.io/developer/605494141) | [Netspend Corporation](https://appshunter.io/developer/381397907) |

## What reviewers say

### Frost Bank

[App page](https://appshunter.io/ios/app/frost-bank/id605494138)

Manage your finances with a user-friendly mobile banking app. Open accounts, send money instantly, and deposit checks remotely. Securely link external accounts and access personal banking support 24/7.

**Highlights:** Open and fund accounts, Send money via mobile number or email, Mobile check deposit, Biometric login (PIN/fingerprint), Link external financial accounts, 24/7 personal banking support, Apple Watch integration

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent customer service
- 🚀 Convenient mobile banking
- 💳 Early paycheck availability
- 🤝 Personalized banking experience
- 🏦 Reliable and trustworthy bank

**What reviewers complain about**

- 🐛 Inconsistent mobile deposit functionality
- ⏱️ Slow transaction updates in the app
- 🔒 Lack of security features (e.g., no password pasting)
- 🕰️ Frequent app maintenance and downtime

**Reported bugs**

- App crashes after recent update
- Login issues due to 'slow network' error
- Inconsistent mobile deposit success rate

**Requested features**

- Automatic round-up savings feature
- Budgeting and expense tracking tools
- Seamless integration with password managers
- Real-time transaction updates


### H

[App page](https://appshunter.io/ios/app/h-e-b-debit/id1514744431)

This debit account offers Texans a convenient way to pay, with benefits like 5% cash back on store brand products and no monthly fees. It also provides overdraft protection and faster access to funds through direct deposit.

**Highlights:** 5% cash back on H-E-B brand products, No monthly account maintenance fee, Purchase Cushion up to $20, Access funds up to 2 days faster, Free cash withdrawals at H-E-B ATMs, Add funds at no cost at H-E-B locations

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 💳 Great cash back on HEB products
- 🏦 Useful for those without regular bank accounts
- 🇹🇽 Convenient for Texas residents

**What reviewers complain about**

- 🐛 Buggy app with frequent issues
- 🤖 Poor customer service, often outsourced
- 🔒 Difficulty linking bank accounts and adding funds
- 💳 Limited functionality compared to regular debit cards

**Reported bugs**

- App crashes and freezes
- Deposit and transfer failures
- Incorrect transaction reporting

**Requested features**

- Link to mobile wallets like Apple Pay
- Improved deposit and transfer options
- Overdraft protection


## Frequently asked questions

### Is Frost Bank free?

Frost Bank is free to download, with no in-app purchases.

### Is H free?

H is free to download, with no in-app purchases.

### Which has better reviews, Frost Bank or H?

Frost Bank is rated higher. Frost Bank averages 4.9 out of 5 from 77K ratings, while H averages 4.9 from 9.6K ratings.

### Do Frost Bank or H have ads?

Neither Frost Bank nor H shows ads.

### Which is updated more often, Frost Bank or H?

Frost Bank ships an update every 2 weeks, and H every 5 weeks. Most recently, Frost Bank was updated on October 30, 2026 and H on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*