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Everyday Checking Accounttailored to your needs.

Everything you need. No monthly fee.

Choose The Checking Account That's Right For You

Connect Plus Checking

A high-yield checking account designed to help you prosper! Earn up to 5.00% APY¹ on balances up to $5,000. Account requires 15 debit card transactions monthly, one ACH deposit monthly, and eStatements.

More Information

Everyday Checking

A basic checking account tailored to your needs – no monthly fee and no minimum balance.

Direct Deposit

A checking account that earns interest on balances over a certain limit when you have payroll directly deposited into the account. No monthly fee 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-advantaged² 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 Transfers³
  • Free 24-hour Online, Mobile and Telephone Account Access with eStatements, Bill Pay, eAlerts, and Text Banking

Compare Checking Accounts

Open Checking Account
Connect Plus Checking Everyday Checking Direct Deposit Checking Team & Club Checking
Minimum Opening DepositConnect Plus Checking: -Everyday Checking: -Direct Deposit Checking: -Team & Club Checking: -
Free Debit CardConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Free Online BankingConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Free E-statementsConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Free Bill PayConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Interest BearingConnect Plus Checking: checkmarkEveryday Checking: Direct Deposit Checking: checkmarkTeam & Club Checking:
Minimum Balance to Obtain APYConnect Plus Checking: Everyday Checking: Direct Deposit Checking: $1500Team & Club Checking:
Free Prospera ATM TransactionsConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Overdraft ProtectionConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Automatic Overdraft TransferConnect Plus Checking: checkmarkEveryday Checking: checkmarkDirect Deposit Checking: checkmarkTeam & Club Checking: checkmark
Direct Deposit RequirementConnect Plus Checking: checkmarkEveryday Checking: Direct Deposit Checking: checkmarkTeam & Club Checking:

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. 4

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

Order Checks Online

Quickly refresh your supply of checks by reordering or place a new check order through our partners at Main Street. Choose from a wide variety of unique check designs or customize your checks with your own fonts, messages, symbols and icons, monograms, and more.

1APY = Annual Percentage Yield. Rates are accurate as of 12/01/2024, and are subject to change without notice. Connect Plus Checking rate tiers are as follows: 5.00% APY applies to balances of $0.01 – $5,000 and 0.10% APY applies to balances of $5,000.01 and greater if qualifications are met during the monthly qualification period. 0.00% APY applies to the entire balance if monthly qualifications are not met. Dividends are calculated and accrued daily based on Connect Plus Checking balance tier and if monthly qualifications are met. For Connect Plus Checking accounts, you may qualify for higher annual percentage yields if you meet the applicable minimum qualification requirements for the monthly qualification period. To meet the minimum qualification requirements, you must: a) receive eStatements, enrollment must be active on the last day of the monthly qualification period; b) conduct 15 debit card transactions that post and settle to your account; and c) receive one direct deposit/ACH credit (ACH distribution transfers from another Credit Union account, share, or loan do not count as a direct deposit/ACH credit). The monthly qualification period is defined as the 1st calendar day of the month through the last day of the calendar month. Account transactions may take one or more business days from the date the transaction was made to post and settle to your account. All transactions must post and settle during the monthly qualification period in order to qualify for the higher annual percentage yield. If you meet the minimum qualification requirements during the monthly qualification period, the first annual percentage yield listed for this account in the Rate Schedule will apply if your balance is $5,000.00 and below. The second annual percentage yield listed for this account will apply if your balance is from $5,000.01 or greater. Each rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification period, the third annual percentage yield will apply to the entire balance in your account. Limit one Connect Plus Checking account per account number. Fees may reduce earnings. Membership eligibility requirement. Federally insured by NCUA.

²Consult your tax adviser.

³Option to link savings account for automatic transfers, and therefore, receive a lesser fee.

4$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.