Access the flexibility and control of your finances with a Simply Checking account! Complete with a free contactless Visa debit card and 6 fee-free foreign ATM withdrawals a month, $25 is all it takes to open your account.
Spend what you want, when you want.
With your enrollment in eStatements
Protection from your savings
Psst... you can gain access to all of this and earn up to 4.00% APY* when you open a Simply Prosper Checking account!
Open My Basic Checking I Want to Earn with Simply ProsperWhen it comes to easily managing your everyday spending, you need to make sure you have the right account for your needs. Technically it is possible to make payments using a savings account, but savings accounts weren't designed for everyday transactions like bill payments or grocery shopping.
It doesn't matter if you're stretching your funds paycheck-to-paycheck or feeling financially comfortable - a budget is always a good idea! By creating one, you can prioritize your financial goals, track your weekly spending, actually see where your money is going, and keep yourself on track.
DownloadWith Courtesy Pay, your transactions are covered - even if you don’t have the available funds in your account. Think of it as an additional safety net!
It’s easy to think of a credit card like a debit card – but there are quite a few key differences. We’ve outlined the similarities and differences so you can become a more financially savvy shopper.
Balancing your checking account is not hard. It's a great way to track spending and avoid fees. Learning how to balance your account helps you avoid overdraft fees and catch fraudulent charges, too.
*APY = Annual Percentage Yield. Rates are subject to change. Please review our current rate list. Rates as of 02/01/2026. Fees may reduce earnings. Some restrictions apply. Member only qualifies for one of the interest rate tiers; to receive the highest interest rate, members must meet required monthly activity. Please review the Truth-in-Savings for information.
For additional information, rates, dividend payouts, and schedule of fees, please refer to the Truth in Savings and Fee Schedule located on our Rates page.
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