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FAQs: Online Banking

Everything you need to know to get the most out of our advanced online banking features.

Online Banking - System Requirements & Security

HOW DO I KNOW IF MY BROWSER SUPPORTS 128-BIT ENCRYPTION?
When you log into Prosperity Online Banking and see a screen warning about 128-bit encryption which you cannot get past, then your browser is not updated. Follow the links shown on the screen to upgrade your browser to support 128-bit encryption. If you use Microsoft Internet Explorer, click the link to go to Microsoft's upgrade page.

WHY DOES PROSPERITY BANK REQUIRE THAT MY BROWSER SUPPORT 128-BIT ENCRYPTION?
Security is the primary reason for requiring the use of a browser with 128-bit encryption. Banks have traditionally been expected to provide the highest level of security. It is one reason banks exist - to secure customers' money, personal financial information, and monetary transactions. We take security very seriously, particularly when it comes to transactions performed over the Internet. By taking such measures, we aim to protect our customers and diminish Internet fraud.

DOES PROSPERITY ONLINE BANKING HAVE ANY SPECIFIC SYSTEMS REQUIREMENTS?
Prosperity Bank does require that your Internet browser software support the 128-bit encryption standard. Additionally, the speed at which your computer processes information, and modem speed are factors in how fast pages load up in Prosperity Online Banking. Additionally, Internet Service Providers offer a variety of connection services that impact Internet speed.

HOW OFTEN WILL I BE REQUIRED TO UPGRADE MY SYSTEM?
The 128-bit encryption standard is very strong, one of the strongest in the industry today, and we have no immediate plans to update. However, because of the speed at which Internet technology advances, it is reasonable to assume that we will continue to enhance our systems as new technologies emerge.

HOW DO I KNOW IF MY BROWSER SUPPORTS 128-BIT ENCRYPTION?
When you log into Prosperity Online Banking and see a screen warning about 128-bit encryption which you cannot get past, then your browser is not updated.
Follow the links shown on the screen to upgrade your browser to support 128-bit encryption. If you use Microsoft Internet Explorer, click the link to go to Microsoft's upgrade page.

WHY DOES PROSPERITY BANK REQUIRE THAT MY BROWSER SUPPORT 128-BIT ENCRYPTION?
Security is the primary reason for requiring the use of a browser with 128-bit encryption. Banks have traditionally been expected to provide the highest level of security. It is one reason banks exist - to secure customers' money, personal financial information, and monetary transactions. We take security very seriously, particularly when it comes to transactions performed over the Internet. By taking such measures, we aim to protect our customers and diminish Internet fraud.

HOW DO I DOWNLOAD HISTORY INTO THIRD-PARTY MONEY MANAGEMENT PROGRAMS, AND WHAT DOWNLOAD FORMATS ARE AVAILABLE?
When logged into an Online Banking Session, go to the “Accounts” drop-down and select the “WebConnect” option. Enter a date range for the requested transactions, and select the correct financial software option.

Downloads are available for Intuit® Quicken and Intuit® Quickbooks.
You can also download a spreadsheet (.CSV) of available transactions. When logged into an Online Banking Session, go to the “Accounts” drop-down and select the “Account Activity” option. Under the “Account History” section, you can select “Download for Spreadsheet” for a .CSV version of your online banking history.

If you download for Quicken or QuickBooks, the file downloaded does not automatically update transactions in the reconcilement software application. Instead, when downloading you are asked to save the information in a file. You then need to access your reconcilement software and import the file. Prosperity does not provide support for using any reconcilement software packages, only downloading the history file. If you have questions about using your reconcilement software and importing the history file, you will need to contact their software support.

I USE QUICKEN TO RECONCILE MY ACCOUNTS. CAN I DOWNLOAD STATEMENT HISTORY DIRECTLY INTO QUICKEN?
Prosperity Online Banking can create the required .QIF file to import into Quicken. To create the .QIF file, log on to Prosperity Online Banking. Under the “Accounts” drop-down, select the “WebConnect” option. Follow the prompts. *Special Note - Prosperity Bank does not support third-party money management programs. If you need assistance with Quicken, please contact their support center. Prosperity can assist with creating the download file in Prosperity Online Banking.

I USE QUICKBOOKS TO RECONCILE MY ACCOUNTS. CAN I DOWNLOAD STATEMENT HISTORY DIRECTLY INTO QUICKBOOKS?
Prosperity Online Banking can create the required .IIF file to import into QuickBooks. To create the .IIF file, log on to Prosperity Online Banking. Under the “Accounts” drop-down, select the “WebConnect” option. Follow the prompts. *Special Note - Prosperity Bank does not support third-party money management programs. If you need assistance with QuickBooks, please contact their support center. Prosperity can assist with creating the download file in Prosperity Online Banking.

I USE ANOTHER MONEY MANAGEMENT PROGRAM INSTEAD OF QUICKEN OR QUICKBOOKS. HOW CAN I CREATE A DOWNLOAD FILE?
Other download file options are .CSV (comma delimited). If you are familiar with working with databases, these file types may satisfy your needs. For example, .CSV files can be opened in both Excel and Lotus. *Special Note - Prosperity Bank does not support third-party money management programs. If you need assistance with a third-party program, please contact their support center. Prosperity can assist in creating the download .CSV files in Prosperity Online Banking.

Using Prosperity Online Banking

HOW DO I LOG ON TO PROSPERITY ONLINE BANKING?
Go to our web site, prosperitybankusa.com. At the home page, click Make a Selection in the "Online Banking Sign-In” section. Select “Online Banking” and enter your Username and Password to access your online banking session.

CAN I CHANGE MY ONLINE BANKING USER NAME?
Yes. Once logged in to an Online Banking session, go to “Profile" and select “Profile Updates” then “Change User ID”. Enter and confirm your new user name following these requirements. Your user ID must be between 5 and 26 characters in length and may be made up of letters, numbers, or special characters. Your user ID is not case sensitive.

CAN I CHANGE MY PASSWORD?
Yes. Once logged in to an Online Banking session, go to “Profile" and select “Profile Updates” then “Change Password”. After entering your current password select and confirm a new password following these requirements. Passwords must be 8 to 32 characters long and should contain 3 of the following: a lowercase letter (a-z), an uppercase letter (A-Z), a digit (0-9), and a special character (~!@#$%^&*()+-|:;?,.<>{}/).

CAN I CHANGE MY ACCOUNT NICKNAMES?
Yes, you may change your account nicknames at any time within 2 areas of online banking. Once logged in to an Online Banking session, go to the "Home” tab. Select your account from the Accounts tile and click “Show More Details”. Then click “Edit” to change the nickname. You can also change your nickname in the Account tab in the Account Details section.

DO I NEED A SEPARATE ID AND PIN FOR BILL PAY?
No, you can access bill pay from the “Payment” tab within your Online Banking session. If you currently do not have bill pay, you can request the bill pay feature by selecting the “Profile” drop-down menu and selection “Secure Forms”. Then select “Bill Pay Request” and complete and submit the form for processing. You may also contact your local banking center to enroll. Some fees may apply for Bill Pay.

HELP, I'VE BEEN LOCKED OUT. HOW DO I GET SIGNED ON?
After three invalid attempts, an Online Banking user is locked out. This is an added security feature to prevent an unauthorized person from accessing your account information. If you are locked out, please contact Customer Service at 800-531-1401 to have your password reset. You can also contact your local banking center for assistance. 

Please Note: Internet Explorer has the ability to remember passwords and PINs as you surf the net. If this feature is turned on in your Explorer browser, you may experience lockout problems.

WHEN I MAKE A TRANSFER OR STOP PAYMENT, HOW DO I KNOW IT WILL BE PROCESSED?
Whenever you make a transfer or place a stop payment order online, you will receive a confirmation number. Record this number. In the event you have a question about a transfer or stop payment, you will need to provide the reference number. In addition, because Online Banking is on-line, real-time, if you make a transfer to your account during regular banking hours up to 8:00 PM, it will be reflected in your Available Balance. You may then access this with your Prosperity Bank ATM or Debit Card. Transfers made after 8:00 PM, or on non-business days, will be scheduled to process the next business day after the transfer request is made.

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