Simply Prosper Checking

Earn 4.00% APY* with Simply Prosper

Open My Account How Do I Earn?

elevate your earnings

a checking account that pays you

Everything you need in a checking account (free contactless Visa debit card, 6 fee-free foreign ATM withdrawals each month, overdraft protection, and a $25 opening balance) plus the power to earn up to 4.00% APY* on your money Account activity is required to earn

earn up to
4.00% apy*

Earn on balances up to $25,000

no minimum balance

Spend what you want, when you want

no monthly maintenance fees

With your enrollment in eStatements¹

Balances up to $25,000 will earn 4.00% APY*. Have a higher balance? Your remaining balance over $25,000 will earn the lowest Money Market rate**.

If requirements are not met your account will earn .10% APY*

Start Earning Account Details

let's talk details

how can i start earning 4.00% apy*?

Enroll in eStatetements¹
Use your Simply Prosper debit card (or a Skyla credit card) 10+ / a month
Set up Direct Deposit with $500+ / month

Miss a month? No worries! You’ll still have access to overdraft protection, 6 fee-free ATM withdrawals², and no minimum balance requirement.

Open My Account Frequently Asked Questions

ALL ABOUT SIMPLY PROSPER

what to know before opening your new account

is there a minimum balance requirement?

what if i don't meet the account requirements?

how do i set up direct deposit?

how do i enroll in estatements?

what if my balance is over $25,000?

Open My Account Budgeting Guide

learning & guidance

ok, so here’s the fine print:

let's get started

opening your simply prosper checking account

I Have a Skyla Account

Earn 4.00% APY* with Simply Prosper

a checking account that pays you

earn up to
4.00% apy*

no minimum balance

no monthly maintenance fees

how can i start earning 4.00% apy*?

ALL ABOUT SIMPLY PROSPER

what to know before opening your new account

is there a minimum balance requirement?

what if i don't meet the account requirements?

how do i set up direct deposit?

how do i enroll in estatements?

what if my balance is over $25,000?

checking account resources designed for you

how much money should i keep in checking?

is it ok to have more than one account?

what are my overdraft options?

ok, so here’s the fine print:

opening your simply prosper checking account

Sign In To Digital Banking

Earn 4.00% APY* with Simply Prosper

a checking account that pays you

earn up to4.00% apy*

no minimum balance

no monthly maintenance fees

how can i start earning 4.00% apy*?

ALL ABOUT SIMPLY PROSPER

what to know before opening your new account

is there a minimum balance requirement?

what if i don't meet the account requirements?

how do i set up direct deposit?

how do i enroll in estatements?

what if my balance is over $25,000?

checking account resources designed for you

how much money should i keep in checking?

is it ok to have more than one account?

what are my overdraft options?

ok, so here’s the fine print:

opening your simply prosper checking account

earn up to
4.00% apy*