Online Banking Update:  We’re excited to announce a new look and updated features and functionality for Online Banking. As part of this update, Online Banking will be unavailable beginning at approximately 11:00 pm, on Monday, March 4, and will resume availability on Tuesday, March 5 at approximately 4:00 am. Click here for details, or call Customer Service at 800-531-1401 for assistance.

 

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FeaturesSimply Free Checking Open NoweChecking Open NowPersonal Checking Open NowRoyal Checking Open NowChecking with Interest Open NowInterest Checking PlusOpen NowTeen Checking Open Now
Features
Minimum to Open $100 $100 $100 $200 $1,500 $1,500 $25
Minimum Balance No minimum No minimum $500 No minimum $1,500 $10,000 No minimum
Interest Bearing No No No No Yes Yes No
Monthly Maintenance Fee No $10   $10 - $10  $15 $5
Monthly Membership Fee - - - $10 - - -
Online Banking FREE FREE FREE FREE FREE FREE FREE
Mobile Banking* FREE FREE FREE FREE FREE FREE FREE
Bill Pay $5.95 $5.95 FREE** FREE** FREE** FREE** N/A
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View Additional Features

Additional Features
Overdraft Protection*** Available up to $300 Available up to $600 Available up to $600 Available up to $600 Available up to $600 Available up to $600 N/A
Withdrawals  Unlimited  Unlimited  Unlimited Unlimited  Unlimited Unlimited  Unlimited
Check Writing Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Checks not available.

Check Statements N/A Imaged Check Statements Imaged Check Statements Imaged Check Statements Imaged Check Statements Imaged Check Statements N/A
Safe Deposit Box Available for a fee Available for a fee Available for a fee Discounted (subject to availability) Available for a fee Available for a fee Available for a fee
Notary Services Available for a fee Available for a fee Available for a fee FREE Available for a fee Available for a fee Available for a fee
 

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Disclosures:

Rates and terms are subject to change without notice at Prosperity Bank's discretion and/or as required or allowed by law.

*Wireless provider fees may apply.

**The qualifying account must be a “charge” service charge status, otherwise, the Bill Pay fee is $5.95 per month.

***Advantage Overdraft protection up to $600 is available except on Teen Checking. An Overdraft Charge per item of $35.00 will be assessed for each withdrawal that is paid into the overdraft by check, in-person withdrawal, ACH withdrawal, or other electronic means (only includes ATM and debit card withdrawals if you give us your consent), which may result in multiple Overdraft Charges on the same day. A $20.00 Consumer Negative Balance Fee will be assessed any statement period in which your account is overdrawn. Prosperity Bank reserves the right not to pay an overdraft item if an account is not in good standing, if regular deposits are not made, or if repeated overdrafts occur. Advantage Overdraft is intended for inadvertent overdrafts and should not be used as a replacement for credit. Overdrafts should be paid promptly. Other services that may be less expensive than Advantage Overdraft include a Readi-Cash Overdraft Line of Credit (subject to approval and interest charges) and Overdraft Transfer from another Prosperity Bank checking, savings, or money market account ($10.00 per transfer fee applies). Click here for more information about the Advantage Overdraft, Readi-Cash Overdraft Line of Credit, and Overdraft Transfer services.

 

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