Intro – Top Rated Banks in Texas

AdvisoryHQ recently reviewed the top banks in Texas. Each bank that was reviewed demonstrates an excellence in quality, provides exceptional service, offers a wide-range of products, and affords a high-level of convenience to its customers.

Included in this list is Prosperity Bank.

Below we have provided a detailed review of Prosperity Bank and the specific factors we used in our decision-making process.

Prosperity Bank Review

One of the best banks in Houston, Prosperity Bank is a regional company, founded in 1983. Prosperity focuses on delivering strong relationships with customers along with a community-based banking philosophy.

Prosperity Bank

Image Source: Prosperity Bank

This leader among banks in Houston also serves 245 locations throughout the state, with 22 locations in East Texas, 29 in the central part of the state, and 34 in West Texas.

Key Factors That Led To Our Ranking of This Bank As a Top Bank in Texas

Represented below are reasons why Prosperity was selected as one of the top banks in Texas.

Royal Checking

Prosperity offers many checking account options, but one of the most popular among customers is the Royal Checking account, which offers the most free services and a low $10 monthly membership fee.

Some of the benefits of selecting the Royal Checking account from Prosperity include:

  • Free online banking
  • Free mobile banking
  • Free bill pay
  • Free personalized member checks
  • Free cashier’s checks
  • Free notary services
  • Free overdraft transfers
  • Free  money orders where available
  • No foreign ATM surcharge fees
  • Discounted safe deposit services

The minimum to open a Royal Checking account is only $200, and overdraft protection is available up to $600. Imaged statements are also available, and this account includes unlimited check writing and withdrawals.

Online Bill Pay

While Prosperity is a Texas-based bank, they do have the abundant technology available to make banking faster and easier for customers.

One of these options is online bill paying. Clients of Prosperity can pay any person or business using the Internet Banking Bill Pay feature.

Users create a Personal Payee list and schedule payments so that they’re always on time. They can be scheduled for one-time payment or on a recurring schedule, and all of the features are completely customizable.

Features include the ability to view and search the Master Payee list, detailed Payee reports, payment history, and the inclusion of a Personal Payment Schedule.


Prosperity takes security seriously, therefore their banking includes multiple layers of security.

The Internet Banking system uses the Secure Socket Layer (SSL) to encrypt data, and leading-edge firewalls are used. The Internet Banking from Prosperity also includes custom architecture, distinctive identifiers, and constant monitoring and reporting.

When a user attempts too many invalid logins, they’re locked out, and a suspect report is generated. Customers are also logged off automatically after a time of inactivity.

Additionally, all security standards and features are tested by industry experts, to ensure the utmost in protection for all customers.

SBA Loans

Prosperity Bank is a Small Business Administration (SBA) Preferred Lender. They offer loans through the Small Business Act and Loan Program to businesses who meet certain criteria.

The SBA 7(a) Guarantee Loan Program lets Prosperity offer financing to buy owner-occupied commercial real estate, start a new business, expand an existing organization, buy an existing business, or refinance debt.

This loan can also be used to purchase equipment and inventory or acquire capital assets. Under the SBA 504 Loan Program, Prosperity can offer small businesses long-term, fixed-rate financing for fixed asset projects.

To browse exclusive reviews of all Top-Rated Banks in Texas, please click on any of the links below: 

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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