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Free Checking Accountit's your money, after all.

Everything you need. No hidden charges.

Choose The Checking Account That's Right For You

Free Checking

A basic checking account that lives up to its name – free; no hidden fees, no minimum balance.

Direct Deposit

A free checking account that earns interest on balances over a certain limit when you have payroll directly deposited into the account. No hidden fees and no minimum balance.

Team and Club

A basic checking account for sports teams, booster clubs, school PTOs, fundraising and more.

Health Savings Account

A tax-advantaged¹ checking account that helps you pay and save for future health care needs. (A high deductible health plan is required.)

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Features & Benefits

All Prospera checking accounts come with:
  • Free Debit Card
  • Free Prospera ATM Transactions
  • Overdraft Protection and Automatic Overdraft Transfers²
  • Free 24-hour Online, Mobile and Telephone Account Access with eStatements, Bill Pay, eAlerts, and Text Banking

Compare Checking Accounts

Open Checking Account
Free Direct Deposit Team, Club & Community
Minimum Opening DepositFree: $25Direct Deposit: $25Team, Club & Community: $25
Free Debit CardFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Free Online BankingFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Free E-statementsFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Free Bill PayFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Interest BearingFree: Direct Deposit: checkmarkTeam, Club & Community:
Minimum Balance to Obtain APYFree: Direct Deposit: $1500Team, Club & Community:
Free Prospera ATM TransactionsFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Overdraft ProtectionFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Automatic Overdraft TransferFree: checkmarkDirect Deposit: checkmarkTeam, Club & Community: checkmark
Direct Deposit RequirementFree: Direct Deposit: checkmarkTeam, Club & Community:

Open a Prospera checking account today

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Spread the word. We'll pay you for It.

If you think Prospera could help your friends, family, co-workers or whomever, a referral is the greatest compliment. We’ll show our appreciation with $25 cash for each checking account. ³

When they come in for a checking account, make sure they specifically note who referred them. We’ll take care of the rest.

¹Consult your tax adviser.

²Option to link savings account for automatic transfers, and therefore, receive a lesser fee.

³$25 valid on new Prospera personal checking accounts only and must include a debit card and eStatements; $25 opening deposit required. The $25 will be deposited into your 000 savings account 60 days after the account is opened. If the 60th day falls on a weekend or holiday the funds will be deposited the following business day. Checking account must be active with a minimum of 10 transactions per month. Automatic transfers to another Prospera account or loan are not considered in the transactions per month.

Account must be in good standing to receive bonuses. Good standing means that the checking account opened in conjunction with this promotion is not negative (including sub-accounts opened on or after the share savings is opened), all loans associated with the account are current (including loans opened on or after the share savings is opened) and there are no charge-off’s or blocked persons associated with the account.

Referral bonus is considered income; a 1099 will be issued. Offers not valid with other promotions and not transferable. Limited time offer. Certain restrictions apply. Offers dependent on credit approval and acceptance.