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Prosper Bank is closing Branch lobbies

Prosper Bank is closing Branch lobbies effective Friday, November 27 due to recent surge in Coronavirus (COVD-19) cases Learn More

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Personal Banking

Banking Made Just for You

We have deposit and loan accounts to meet your financial needs at every stage of your life, so you can maintain a relationship at a bank you trust for years to come. Simply put, our accounts are designed to help you prosper.

Checking

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Prosper Free Checking

Prosper Free Checking is just that – free! Easy to understand and use, this account has the basics to get you started: no minimum balance, no fees, free first order of checks, and reimbursed ATM fees of up to $15.00 per month.

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Prosper Rewards Checking

Prosper Rewards Checking is our flagship account that provides a tiered interest structure with plenty of rewards, such as free ATMs worldwide, free identity theft protection, free first order of checks, one free domestic wire transfer per month, and free paper statements. Rest assured knowing your finances are both accessible and secure.

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Prosper Life Checking

Specifically designed for those over the age of 50, Prosper Life Checking offers competitive interest rates, free identity theft protection, reimbursed ATM fees of up to $15.00 per month, free annual order of checks, and access to 55,000+ ATMs worldwide.

Savings

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Prosper Savings (& IRA Savings)

Prosper Savings is the perfect way to start saving – whether you have a specific goal or dream, or you’re building a nest egg. This account offers a low minimum balance requirement and tiered interest structure to help you get there. (also available as an IRA)

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Prosper Money Market

The Prosper Money Market account allows convenient check and ATM access to your account, while rewarding high balances with higher interest rates and a tiered interest structure.

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Prosper Kids Savings

Teach your children the benefit of saving early with a savings account just for them. The Prosper Kids Savings account is designed to encourage wise financial habits through a tiered interest structure.

Loans & Credit Services

 
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Personal Loans and Lines of Credit

Variable rates, fixed rates, flexible terms, and competitive interest rates – our personal lending options are tailored to fit your needs.

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Home Equity Lines of Credit

Use the equity in your home to fund your latest home renovation and enhancement projects, consolidate debt, fund college educations, or pay for other financial needs.

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Residential Mortgages

Whether you’re purchasing your first home or your dream home, you can count on us to provide a competitive interest rate with quality service.

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Convenience Services

1 Your Prosper Bank debit card is free; however, some fees may apply on services or penalties associated with the debit card. 2Free Identity Protection provided by EZShield, a Sontiq Brand, provides Identity Restoration Service, Dark Web Monitoring and $25,000 Indentity Theft Insurance for owner and joint owner.

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Table Comparing Prosper's Checking Accounts
  Prosper Free Checking Prosper Rewards Checking Prosper Life Checking (age 50+)
Minimum Opening Deposit Requirement $100.00 $100.00 $100.00
Minimum Balance to Avoid Fees $0.00 $500.00 $0.00
Monthly Maintenance Fee (if balance not met) None $8.00 None
Interest Structure None $0.00 - $499.99
$500.00 - $24,999.99
$25,000.00 – above
$0.00 - $499.99
$500.00 - $24,999.99
$25,000.00 – above
Fees for Non-Prosper Bank ATMs1 Reimbursed up to $15.00 / Month Free ATMs Worldwide Reimbursed up to $15.00 / Month
Instant Issue Debit Card Yes Yes Yes
Free Standard Personalized Checks First Order First Order One Annual Order
Paper Statement Free Free Free
Additional Account Features None Free Identity Theft Protection2
One Free Domestic Wire Transfer per Month
Free Identity Theft Protection 2
  Get Rates Get Rates Get Rates

1 Your Prosper Bank debit card is free; however, some fees may apply on services or penalties associated with the debit card. 2 Free Identity Protection provided by EZShield, a Sontiq Brand, provides Identity Restoration Service, Dark Web Monitoring and $25,000 Indentity Theft Insurance for owner and joint owner.

Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

Table Comparing Prosper's Savings Accounts
  Prosper Savings 1 (also available as IRA) Prosper Money Market 1 Prosper Kids Savings 1 (under age 18)
Minimum Opening Deposit Requirement $100.00 $2,500.00 $10.00
Minimum Balance to Avoid Fees $100.00 $2,500.00 $0.00
Monthly Maintenance Fee (if balance not met) $8.00 $8.00 None
Interest Structure $0.00 - $99.99
$100.00 - $499.99
$500.00 - $24,999.99
$25,000.00 - above
$0.00 - $2,499.99
$2,500.00 - $149,999.99
$150,000.00 - $249,999.99
$250,000.00 – above
$0.00 - $99.99
$100.00 - $499.99
$500.00 - $24,999.99
$25,000.00 - above
Fees for Non-Prosper Bank ATMs None Reimbursed Reimbursed up to $15.00 / Month2 None Reimbursed
Paper Statement Free Free Free
Additional Account Features None Free First Order of Standard Personalized Checks None
  Get Rates Get Rates Get Rates

1 Federal regulation may limit the number of transfers or withdrawals in a savings or money market account to six per statement cycle. Withdrawals and transfers include, but are not limited to bill payments, telephone transfers, ACH payments, drafts, and point of sale transactions. An excessive withdrawal fee may be assessed for transactions over this limit. 2 Fees charged by the ATM owner will be calculated at the end of every month and reimbursed completely.

Please contact a local branch for current rates and fees applicable to each account. Fees may reduce earnings.

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