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

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

7-Month CD Special

13-Month CD Special

3.65% APY*

3.25% APY*

*7-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. 13-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). Penalty for early withdrawal. Fees may reduce earnings. No institutional investors. Rates effective December 22, 2025. 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