Personal Checking
Prosperity Bank offers a variety of Personal Checking and Savings Accounts to meet every individual's needs. Here are a few of the benefits you will experience with a Prosperity Bank Checking Account:
- Unlimited Check Writing**
- Advantage Overdraft Protection available on qualifying accounts
- Readi-Cash Overdraft Line of Credit available (upon application, subject to approval)
- 24-Hour Telephone Banking
- ATM or MasterMoney ATM/Debit Card
- Free ATM access at any of our Banking Centers spanning the Gulf Coast and Dallas
- Free, secure Internet Banking
- Online transaction images
- Low-cost Internet Bill Pay services
- Easy to balance monthly imaged statement
- Click here for rates on Checking with Interest Accounts
Personal Checking Accounts
| Prosperity Bank Account |
Budget Checking
(non-interest bearing) |
Personal Checking
(non-interest bearing) |
Checking with Interest
(interest bearing) |
Prosperity Prime Checking
(non-interest bearing) |
| Open the Account With |
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| Avoid Minimum Balance Fees When You Keep a Daily Balance of |
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- *Combined balances of all deposit accounts and loans - $2,500.00
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| Otherwise Your Minimum Balance Fee Is |
- $4.00 Account Maintenance Fee
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| Debit Item (Transaction) Fees |
- Up to 8 debit transactions per month FREE.
- An Item Fee of $0.75 for each debit transaction in excess of 8 per month applies.
- Unlimited ATM or Debit Card transactions allowed with no transaction fees (off premise fees apply).
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| Important Features & Value Added Services |
- Easy to balance monthly imaged statement
- Advantage Overdraft protection up to $500 to qualifying accounts
- 24-Hour FASTLINE automated telephone banking
- Free, secure Internet Banking
- Low-cost Internet Bill Pay services
- Readi-Cash Overdraft Line of Credit (upon application, subject to approval)
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- Special service charge consideration for Senior Citizens (age 55 and older) with Retirement Direct Deposit. If you are a senior citizen with social security or other retirement payments, and those payments are directly deposited to your account electronically, Prosperity Bank will not impose any monthly maintenance fee to your account. Please inform our new accounts associate if you qualify.
- Easy to balance monthly imaged statement
- Advantage Overdraft protection up to $500 to qualifying accounts
- 24-Hour FASTLINE automated telephone banking
- Free, secure Internet Banking
- Low-cost Internet Bill Pay services
- Readi-Cash Overdraft Line of Credit (upon application, subject to approval)
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- Easy to balance monthly imaged statement
- Advantage Overdraft protection up to $500 to qualifying accounts
- 24-Hour FASTLINE automated telephone banking
- Free, secure Internet Banking
- Low-cost Internet Bill Pay services
- Readi-Cash Overdraft Line of Credit (upon application, subject to approval)
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- First order personalized member checks -- FREE
- ATM or MasterCard ATM/Debit Card available - No monthly or annual cardholder service charge
- 0.25% APR discount on new personal installment loans when payments are debited from a Prosperity Bank account (excluding mortgage loans)
- 0.15% APY premium paid on Time Deposit under $100,000 (exluding special promotional rates)
- 0.25% APY premium paid on Time Deposit over $100,000 (excluding special promotional rates)
- Easy to balance monthly imaged statement
- Advantage Overdraft protection up to $500 to qualifying accounts
- 24-Hour FASTLINE automated telephone banking
- Free, secure Internet Banking
- Low-cost Internet Bill Pay Services
- Readi-Cash Overdraft Line of Credit (upon application, subject to approval)
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| Account Disclosures |
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ATM/Debit Card Fees
ATM Cards - $1.00 per month ATM Transaction done at ATMs other than Prosperity Bank - $1.00 per transaction MasterMoney Debit Cards - $1.50 per month or $12.00 annually if pre-paid Royal Account Holders are not charged either a monthly cardholder fee or an off-premises transaction fee.
