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Who can apply for a checking account?
Residents of Texas or Oklahoma, age 18 and above are eligible to apply for a checking account. Individuals ages 13 – 17 are eligible to open a Teen Checking Account with a parent/guardian as a joint on the account.
What will I need to apply for this checking account?
Two forms of valid ID are required: Driver’s License or State Issued ID or Passport. The second form of identification includes: Social Security Card, Birth Certificate, Voter Registration card, a credit or bank card, company ID, passport or Visa. Please contact your local banking center for additional details on forms of identification.
How long will it take to open this account?
It will take approximately 15-30 minutes to open your account.
Can I get a debit card with my checking account?
Yes. A debit card is available with all of our checking accounts. ChexSystems will be checked prior to the account openings. Debit cards are mailed to the account holder.
How do I open an account?
Accounts can be opened online or in person at one of our banking centers.
Who can apply for a savings account?
Residents of Texas or Oklahoma, age 18 and above are eligible to apply for a checking account. Individuals ages 13 – 17 are eligible to open an account with a parent/guardian as joint on the account.
What will I need to apply for this savings account?
Two forms of valid ID are required: Driver’s License or State Issued ID or Passport. The second form of identification includes: Social Security Card, Birth Certificate, Voter Registration card, a credit or bank card, company ID, passport or Visa. Please contact your local banking center for additional details on forms of identification.
How long will it take to open this account?
It takes approximately 15-30 minutes to open your account.
Can I get a debit card with my savings account?
Yes. A debit card is available with all of our checking accounts. Debit cards are mailed to the account holder.
* Rates and terms are subject to change without notice at Prosperity Bank's discretion and/or as required or allowed by law.
**Prosperity Bank reserves the right under Positive Pay to require the account holder to transmit certain check issuance information to the Bank regarding checks written before such checks will be paid. Prosperity Bank may return checks presented for payment if such checks are not part of the check issuance information. With Positive Pay, each day checks are written, the Bank's customer electronically transmits to the Bank a file listing issued checks. When issued checks are presented for payment at the Bank, the checks are compared electronically against the list of transmitted checks. The check issuance information sent to the Bank contains the check number, account number, issue date, and dollar amount, and may include the name of the payee.
**Advantage Overdraft protection up to $300 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). View Overdraft Protection for more information about the Advantage Overdraft, Readi-Cash Overdraft Line of Credit, and Overdraft Transfer services.
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