Prosper Checking Account

Earn more with Prosper Checking.

Put your account to work! Prosper Checking rewards you with competitive interest when you stay active with your account each month.

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Features of Prosper Checking

  • Earn competitive, tiered interest on your balance 
  • Opportunity to waive the monthly service charge
  • Track account growth with free paper statements
  • Minimum deposit to open – $25
  • Debit card available
  • eStatements2 or paper statements available at no charge
  • Monthly service charge – $10 service charge if balance falls below $1000 during the monthly statement period
  • The Prosper account pays interest. A tiered rate is applied to the account balance during the monthly statement period. To receive the tiered rates, just meet the following requirements each monthly statement period:
    – Be enrolled in and agree to receive eStatements2;
    – Receive a direct deposit1 of $250 or more into the account; and
    – Complete at least 15 debit card purchase transactions that post and settle to the account

Rates

When qualifications are met during the statement period: 

  Interest Rate  Annual Percentage Yield (APY)* 
Balances up to and including $15,000  2.50%  2.53% 
Balances over $15,000  0.15%  2.53% to 0.46% depending on the account balance 

When qualifications are not met during the statement period: 

  Interest Rate  Annual Percentage Yield (APY)* 
Full balance during the statement period  0.05%  0.05% 

 

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Questions?

1DIRECT DEPOSITS: AN ELECTRONIC CREDIT VIA THE AUTOMATED CLEARING HOUSE (ACH) SYSTEM DEPOSITED TO YOUR ACCOUNT DURING THE CURRENT STATEMENT PERIOD. PREAUTHORIZED TRANSFERS MADE FROM: ONE ACCOUNT TO ANOTHER, OR DEPOSITS MADE AT A BRANCH, ONLINE TRANSFER, MOBILE DEVICE, OR THE MAIL ARE NOT ELIGIBLE TO MEET THIS REQUIREMENT.

2E-STATEMENTS (PAPERLESS STATEMENTS). ONLINE BANKING IS REQUIRED TO ACCESS ESTATEMENTS.

LIMIT OF 1 PROSPER ACCOUNT PER TAXPAYER IDENTIFICATION NUMBER

*RATES ARE VARIABLE AND SUBJECT TO CHANGE

*FEES MAY REDUCE EARNINGS

CalculatorDisclaimer

Use this calculator to determine your projected earnings from our account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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3. Lease Details
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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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Current CD Rates

11-Month CD Special

17-Month CD Special

4.05% APY*

4.15% APY*

*11-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. 17-month certificate automatically renews into a 12-month term at prevailing rates unless redeemed within 10 days of maturity. $1,000 minimum balance required. Annual Percentage Yield (APY). A penalty may be imposed for early withdrawal. Fees may reduce earnings. No institutional investors. Rates effective October 5, 2026. Limited time offer. Rates subject to change without notice.

Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $x 0.00% 0.00%
$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

xx