Prosperity Bank

National Bank, prosperitybankusa.com

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About the Bank

Prosperity Bank is a Houston, Texas-based regional bank with over 240 full-service banking locations in Texas and Oklahoma. The bank has a presence in some of the area's largest cities, including Dallas/Fort Worth, Austin, San Antonio, Lubbock and Tulsa. Prosperity Bank customers have access to both personal and business banking products and services.


On the personal banking side, that includes both deposit and loan products. If you're looking for variety in your checking account options, you won't be disappointed. Prosperity Bank has seven checking accounts to choose from, including a teen checking account and Simply Free Checking, which has no monthly maintenance fee or minimum balance requirement.


Of the seven, Royal Checking is Prosperity Bank's most popular checking account. This account can be opened with $200 and offers:



  • Free online and mobile banking

  • Free bill pay

  • Free personalized checks

  • Free cashier's checks and money orders (where available)

  • Free notary services and overdraft transfers

  • Discounted safe deposit boxes

  • Unlimited check writing


There's no minimum balance requirement but the account does have a low monthly membership fee.


If you'd rather earn interest on your checking balances, there's Checking With Interest and Interest Checking Plus. Checking With Interest has a higher minimum balance to avoid a monthly service fee, but you'll earn a competitive rate on your balance. Interest Checking Plus features a tiered interest rate structure so the higher your balance, the more interest you can earn. This account is designed for people who keep $10,000 or more in their checking account.


The e-Checking and Personal Checking are the other two checking accounts you can choose from. e-Checking has no monthly maintenance fee when you enroll in electronic statements or set up a qualifying direct deposit. Personal Checking is a classic checking account for people who maintain a minimum balance of $500 or more. Both require $100 to open.


Your savings options are slightly less varied. You can open a Prosperity Savings account, which is a basic savings account; a Prosperity Money Market account, which pays interest on deposits and allows you to make free unlimited ATM withdrawals at Prosperity ATMs; and Premier Money Market, which features higher rates for dedicated savers. You'll need $25,000 to open a Premier Money Market account.


CDs and IRAs are additional ways to save with Prosperity. You can open a CD for 30 days, or stretch the maturity term up to 5 years. You'll have to check with a Prosperity branch to get the latest rates for CDs. Traditional, Roth and SEP IRAs are available for retirement savers. You can also open a Health Savings Account or a Coverdell Education Savings account with Prosperity if you want to save for multiple goals in one place.


Prosperity Bank offers online and mobile banking so you can manage your money the way you prefer. Once you log in, you can manage your account and if you need help, you've got automatic access to Prosperity's online help support library. Live customer service is also available during regular business hours.

Prosperity Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $35 $30
  • Stop Payment item $35 $27
  • Return Deposit N/A $13
  • Domestic Wire Transfer (Outbound) N/A $22
  • Domestic Wire Transfer (Inbound) N/A $10
  • Non-Bank ATM N/A $1

Locations & Hours

map of local branches and ATMs
Branches
269

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By ali67092 Jan 2, 2018

    Fraud via Prosperity Bank Account 3935868 Routing 113122655

    To,
    The Branch Manager,
    Prosperity Bank, Texas, 77802

    Sir/Madam,
    The above bank account in the name of Lisa A Triolo Mcvey is collecting funds fraudulently from people across the world. We were instructed to deposit $800 via a bank transfer from UK bank to secure accommodation at Brooklyn, NYC.
    Please do something to stop this account and help us catch the criminals behind this account.

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  •  
    Reviewed By Jimmygprince Jul 21, 2017

    Bank manager says "don't park at bank"

    Hwy 242 bank in the Woodlands, Texas. Even though I had an account here I was told I can not park here. I am trying to business with you people and you are telling me I can not park outside. I am confused, where should I park? According to the bank manager, who asked security to have me move my car, I am not allowed to park here. I explained I am a bank customer but was asked to move my car anyways. There was no construction, just an empty parking lot. No reason was given why I should move. Very disrespectful, I have a military injury to my femur and can not walk from an adjacent parking lot to do my banking, and why should I? I closed my account, someone fire this manager.

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  •  
    Reviewed By Zoey6612 Jan 23, 2017

    Worst Bank Ever!!!!!

    I have 2 accounts with them. I have had my checking account hacked 3 times thru ACH with I did not authorize. They keep telling me that there is nothing they can do for me but to fill out fraud paperwork. This is crazy that they do not protect your accounts! A few years ago I was adding a new IRA and they told me to deposit into a CD, I said I wanted one that I could contribute into every year, the person told me I could. Set it up and next year made a deposit into the IRA CD with no problems, the third year when I tried to deposit more money into it they told me I couldn't and the account was not set up that way. These people have no clue about how to run a bank! The last transaction I did with Prosperity, I made a 3 check deposit and they called me told me that I added the deposit wrong and she corrected it for me. When I looked at the deposit receipt that they gave, it was there mistake not mine! I have worked in a bank and know how banks run. My Advice...... RUN! Run far away!

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  •  
    Reviewed By Zoey6612 Jan 23, 2017

    Worst Bank Ever!!!!!

    I have 2 accounts with them. I have had my checking account hacked 3 times thru ACH with I did not authorize. They keep telling me that there is nothing they can do for me but to fill out fraud paperwork. This is crazy that they do not protect your accounts! A few years ago I was adding a new IRA and they told me to deposit into a CD, I said I wanted one that I could contribute into every year, the person told me I could. Set it up and next year made a deposit into the IRA CD with no problems, the third year when I tried to deposit more money into it they told me I couldn't and the account was not set up that way. These people have no clue about how to run a bank! The last transaction I did with Prosperity, I made a 3 check deposit and they called me told me that I added the deposit wrong and she corrected it for me. When I looked at the deposit receipt that they gave, it was there mistake not mine! I have worked in a bank and know how banks run. My Advice...... RUN! Run far away!

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  •  
    Reviewed By yaya Nov 25, 2016

    CAPITAL ONE AND PROSPERITY BANK HOLDING HOSTAGE HARD WORKING SINGLE MOTHER AND DISABLED SONS $4,500.00

    CAPITAL ONE AND PROSPERITY BANK HOLDING HOSTAGE HARD WORKING SINGLE MOTHER AND DISABLED SONS $4,500.00

    This mother works 6 days a week to completely support her family!! She deposited $4,500.00 Cashiers Check into the night deposit so that she could have money to move herself and her disabled son from San Antonio to Tyler. The Cashiers Check (which is to be just like CASH) well the Cashiers check was deposited into the account and then the mother noticed the next day it was gone out of the account. The mother went immediately to branch of CAPITAL ONE BANK in Tyler, Texas where the Cashiers Check was deposited and asked for her cashiers check they expressed to her that they are unable to give her the check and they will mail the check to the address on the account. The mother explained that she was going to be moving from that address that same day and would no longer be at the address in San Antonio and begged and pleaded with the bank that that was all the money in the world she had to support herself and her son. The bank just snickered well you better change your address on the account because you are NOT getting the check today (November 2, 2016). The mother and son called immediately to customer service and changed the address on the account. However, CAPITAL ONE BANK still overnighted the Cashiers Check in the amount of $4,500.00 to a vacant apartment in San Antonio, Texas WORST part is they sent it Fed Ex overnight with NO SIGNATURE REQUIRED. Therefore, the ONLY MONEY IN THE WORLD THIS MOTHER and DISABLED SON HAVE has now been LEFT AT THE DOOR OF A VACANT APARTMENT COMPLEX in the middle of SAN ANTONIO, Texas. Yes, as you can imagine the package was stolen. They hard working mother that has never asked for anything was now moving to a new city and has taken a new job and has NO FOOD for herself or her son. The mother and son sit for days at the bank begging and pleading for someone to help and cancel the check and give her the money she so desperately needs. She has deadlines to pay her bills she needs food. She has never received welfare and is not about to ask for anything she only wants her money so she can take care of her family. They have bills that are automatically taken out of the Capital One account each month. Those have been sent back unpaid YET CAPITAL ONE BANK has charged the account $35.00 for each transaction so now the account is negative over $600.00 and her bills have not been paid!! She has deadlines to pay her insurance premium she has deadlines to pay her rent. She not received a paycheck yet on her new job!! SHE REALLY NEEDS AMERICAS HELP TODAY!! CAPITAL ONE AND PROSPERITY BANK STILL HAS HER MONEY AND WILL NOT GIVE IT TO HER it has been 25 days since she has had her money!! The BANKS ARE TELLING HER IT WILL BE 90 DAYS BEFORE SHE GETS IT BACK!! THANK GOD for her friend who went and purchased them groceries. HOWEVER, those are running out! The phones have been shut off ALL THE WHILE CAPITAL ONE AND PROSPERITY BANK ARE HOLDING HER MONEY HOSTAGE while the family is suffering!! NOT A GREAT THANKSGIVING FOR THIS FAMILY!!! THE DISABLED SON DOESNT EVEN HAVE A BED TO SLEEP ON HES SLEEPING ON A COUCH THE MONEY IS SO URGENTLY NEEDED FOR THIS FAMILY!!

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  •  
    Reviewed By Suzanneosborne Sep 17, 2016

    Dark ages

    Pros-Nice people and no fee basic checking

    Cons-1-balance checking at most banks you dial,enter last 4 card numbers and pin...bam balance given..this banks "fastline" you go through several options to narrow it down then enter your whole account number then finally your pin. Nothing fast about it.
    2-the hours are awful. Who is able to leave work between 9 and 4 to go take care of their banking?
    3-why don't I go on Saturday if I cant make it during the week? Ugh because they're closed.
    4-need to make a deposit since you can't get there when they're open? Their ATMs can't accept deposits. Sooooo....if it's cash all you can do is put it in the night drop or go buy a money order and drop it.
    5-I had a weekday off so went inside and deposited cash. It didn't post until the next day after my autopay was kicked back naturally.

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  •  
    Reviewed By Zoey6612 Jan 23, 2017

    Worst Bank Ever!!!!!

    I have 2 accounts with them. I have had my checking account hacked 3 times thru ACH with I did not authorize. They keep telling me that there is nothing they can do for me but to fill out fraud paperwork. This is crazy that they do not protect your accounts! A few years ago I was adding a new IRA and they told me to deposit into a CD, I said I wanted one that I could contribute into every year, the person told me I could. Set it up and next year made a deposit into the IRA CD with no problems, the third year when I tried to deposit more money into it they told me I couldn't and the account was not set up that way. These people have no clue about how to run a bank! The last transaction I did with Prosperity, I made a 3 check deposit and they called me told me that I added the deposit wrong and she corrected it for me. When I looked at the deposit receipt that they gave, it was there mistake not mine! I have worked in a bank and know how banks run. My Advice...... RUN! Run far away!

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  •  
    Reviewed By pam Sep 26, 2013

    Normally very good..have done business with them for 25 years

    We recently took out a pool loan for a portion of our pool. We were paying some and the majority was to come from The Bank. We could have wrote a check for it but decided to use our local bank and use it for tax purposes. Initially when I called to inquire what the procedures were about getting a loan I was told it would be really simple as long as we had equity in our home and good credit. I ask the cost to take out the loan we was told that it would be just a filling fee about 80 dollars from Cathy XXXX . So I thought well that was fair. But after it was all done it was $575 they had to do a complete Home Inspection Market Value etc. Now mind you we just moved in the house 2 years ago so why would we need all this. Well to get a 2nd mortgage. There again I was not told I would have a 2nd lien on our house. But okay so we went ahead and did the loan. Now after we finally get the approval which seemed like we had to do an application for a mortgage. we start our pool. After signing all the papers with not the person who did our loan, but someone who was clueless to what we was even signing we find out after several weeks that the pool company isn't getting paid for anything! So they are holding the money up because they want US to write a check for our portion first. No one told us anything that we needed to pay first! That is because when we signed papers for the loan the had an inexperience person doing it. Ridiculous! Now here is the problem we signed papers with the pool company for us to do our payment last. So now we have signed over all the draws except ours and we no longer are in control of the money. Since we are more than half way through the build. I would never get a loan from prosperity again! They have no clue how to handle a loan.

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  •  
    Reviewed By tonnie Aug 4, 2016

    Bank is not ethical!!!

    The Bank was very nasty from day one when i called for balance . I had a company that got the money from a free trial and the company sent me a email that stated the refund would be done.I called Prosperity bank and they were supposed to despute the charges for me . Michelle at the bank stated one hour later that it was denied. I sent over a more clear letter from the company that took the money out . she said would have the resolution department to reevaluate the new claim . and Michelle stated that the provisional credit would be added and the fee for my other bill would be refunded. I call Michelle back the next day and she acted like she did not do any claim and she cut off my card anyway. This bank is aweful in its banking practice. Michelle charge me 35.00 dollars for the bill not being able to b paid. I guess a lawyer is in order!!!!!!!!

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  •  
    Reviewed By pam Sep 26, 2013

    Normally very good..have done business with them for 25 years

    We recently took out a pool loan for a portion of our pool. We were paying some and the majority was to come from The Bank. We could have wrote a check for it but decided to use our local bank and use it for tax purposes. Initially when I called to inquire what the procedures were about getting a loan I was told it would be really simple as long as we had equity in our home and good credit. I ask the cost to take out the loan we was told that it would be just a filling fee about 80 dollars from Cathy XXXX . So I thought well that was fair. But after it was all done it was $575 they had to do a complete Home Inspection Market Value etc. Now mind you we just moved in the house 2 years ago so why would we need all this. Well to get a 2nd mortgage. There again I was not told I would have a 2nd lien on our house. But okay so we went ahead and did the loan. Now after we finally get the approval which seemed like we had to do an application for a mortgage. we start our pool. After signing all the papers with not the person who did our loan, but someone who was clueless to what we was even signing we find out after several weeks that the pool company isn't getting paid for anything! So they are holding the money up because they want US to write a check for our portion first. No one told us anything that we needed to pay first! That is because when we signed papers for the loan the had an inexperience person doing it. Ridiculous! Now here is the problem we signed papers with the pool company for us to do our payment last. So now we have signed over all the draws except ours and we no longer are in control of the money. Since we are more than half way through the build. I would never get a loan from prosperity again! They have no clue how to handle a loan.

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  •  
    Reviewed By paul p. Sep 29, 2013

    worst ever

    will change banks as soon as possible. they do not care anymore. customer for over 20 years and now i don't care anymore.

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  •  
    Reviewed By yaya Nov 25, 2016

    CAPITAL ONE AND PROSPERITY BANK HOLDING HOSTAGE HARD WORKING SINGLE MOTHER AND DISABLED SONS $4,500.00

    CAPITAL ONE AND PROSPERITY BANK HOLDING HOSTAGE HARD WORKING SINGLE MOTHER AND DISABLED SONS $4,500.00

    This mother works 6 days a week to completely support her family!! She deposited $4,500.00 Cashiers Check into the night deposit so that she could have money to move herself and her disabled son from San Antonio to Tyler. The Cashiers Check (which is to be just like CASH) well the Cashiers check was deposited into the account and then the mother noticed the next day it was gone out of the account. The mother went immediately to branch of CAPITAL ONE BANK in Tyler, Texas where the Cashiers Check was deposited and asked for her cashiers check they expressed to her that they are unable to give her the check and they will mail the check to the address on the account. The mother explained that she was going to be moving from that address that same day and would no longer be at the address in San Antonio and begged and pleaded with the bank that that was all the money in the world she had to support herself and her son. The bank just snickered well you better change your address on the account because you are NOT getting the check today (November 2, 2016). The mother and son called immediately to customer service and changed the address on the account. However, CAPITAL ONE BANK still overnighted the Cashiers Check in the amount of $4,500.00 to a vacant apartment in San Antonio, Texas WORST part is they sent it Fed Ex overnight with NO SIGNATURE REQUIRED. Therefore, the ONLY MONEY IN THE WORLD THIS MOTHER and DISABLED SON HAVE has now been LEFT AT THE DOOR OF A VACANT APARTMENT COMPLEX in the middle of SAN ANTONIO, Texas. Yes, as you can imagine the package was stolen. They hard working mother that has never asked for anything was now moving to a new city and has taken a new job and has NO FOOD for herself or her son. The mother and son sit for days at the bank begging and pleading for someone to help and cancel the check and give her the money she so desperately needs. She has deadlines to pay her bills she needs food. She has never received welfare and is not about to ask for anything she only wants her money so she can take care of her family. They have bills that are automatically taken out of the Capital One account each month. Those have been sent back unpaid YET CAPITAL ONE BANK has charged the account $35.00 for each transaction so now the account is negative over $600.00 and her bills have not been paid!! She has deadlines to pay her insurance premium she has deadlines to pay her rent. She not received a paycheck yet on her new job!! SHE REALLY NEEDS AMERICAS HELP TODAY!! CAPITAL ONE AND PROSPERITY BANK STILL HAS HER MONEY AND WILL NOT GIVE IT TO HER it has been 25 days since she has had her money!! The BANKS ARE TELLING HER IT WILL BE 90 DAYS BEFORE SHE GETS IT BACK!! THANK GOD for her friend who went and purchased them groceries. HOWEVER, those are running out! The phones have been shut off ALL THE WHILE CAPITAL ONE AND PROSPERITY BANK ARE HOLDING HER MONEY HOSTAGE while the family is suffering!! NOT A GREAT THANKSGIVING FOR THIS FAMILY!!! THE DISABLED SON DOESNT EVEN HAVE A BED TO SLEEP ON HES SLEEPING ON A COUCH THE MONEY IS SO URGENTLY NEEDED FOR THIS FAMILY!!

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  •  
    Reviewed By tonnie Aug 4, 2016

    Bank is not ethical!!!

    The Bank was very nasty from day one when i called for balance . I had a company that got the money from a free trial and the company sent me a email that stated the refund would be done.I called Prosperity bank and they were supposed to despute the charges for me . Michelle at the bank stated one hour later that it was denied. I sent over a more clear letter from the company that took the money out . she said would have the resolution department to reevaluate the new claim . and Michelle stated that the provisional credit would be added and the fee for my other bill would be refunded. I call Michelle back the next day and she acted like she did not do any claim and she cut off my card anyway. This bank is aweful in its banking practice. Michelle charge me 35.00 dollars for the bill not being able to b paid. I guess a lawyer is in order!!!!!!!!

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