Prosperity Bank

Banked here several years. It’s went downhill the past 3 years. Probably due to the terrible management and banking practices. They play a game “holding deposits” to purposely try and cause overdrafts and nsf for fees. Each time I ask why in the drive thru I’m given a different reason. I asked manager and she was rude and unpleasant. Even checks written to me on their own bank! They should simply put signs up saying “all deposits will be held for 2days for any reason we choose” that would clear it up for me. One day I put a check in for $1200. They held it. The same day I put an out town check for $21,000 in and it posted immediately lol. Nothing makes sense. I’ve banked here many years and I now see a pattern of policies that are hostile to small businesses and habitual to gain fees! I’ve opened accounts elsewhere and they don’t do that at all. Don’t consider this bank. Run!

My husband's debit card # was stolen while he was out of state and they didn't even alert us to the fraudulent charges, we had to notify them! Then my husband has had to make multiple trips to the bank to alert them to additional fraudulent charges and get them credited. We are on day 15 of still waiting for his replacement debit card to arrive after they said if would be 7 to 10 days. Now they're saying it's more like 3 weeks and they can give you a replacement debit card at the bank but they're out of them. Seriously?? How are we supposed to function like that??

Prosperity Bank is so antiquated in their business practices, it's just unreal. I don't know who is running that branch in Edna, Texas, but they should be FIRED! Stay away from this bank and go bank with one who is actually interested in helping their customers. Employees are so rude and condescending. Maybe if they hadn't built that ridiculously large new building in Edna, Texas, they could afford to have plenty of replacement debit cards on hand for their customers.

The only people Prosperity in Edna is interested in serving is whatever is in the best interest of Prosperity in Edna.

Prosperity Bank is a small bank that just hasn't adapted to the times. They out source everything because they can't handle it in house. They have a poor ACH department, fraud department and just support in general for the banking center employees. As a customer I've seen the lack of help for the banking centers and the amount of negligence on the fraud department. You get a phone call saying they locked the card due to fraud yet they won't dispute charges or anything over the phone. You have to go in person to the banking center. It's crazy they are so far behind so many other banks.

About 4 years ago I opened a “free” checking account with Prosperity Bank. I asked several times if it was indeed free. I was assured that I would never be charged unless I had an NSF. Fast forward to September 2022 I had received some bad checks from someone and I was charged $12. Twice. I have no idea if the checks are good, that’s the bank’s department. This is a predatory practice and I want my $24 back.

I would give this bank zero stars if possible. They regularly juggle my transactions to capitalize on overdraft charges which are $70 per transaction!! Their overdraft protection is non-existent, allowing transactions to clear regardless of amount in account. I have personally fallen on hard times & my account is always close to zero and would be fine if Prosperity didn't juggle transactions. Prosperity steals and makes a profit off of people's hardships!!

This bank is the worst bank ever!! I was only under-75 cents and all of a sudden I get a $35 return fee. Does that mean my rent doesn't get paid and I get a $35 charge on top of it! I've had it with this horrible bank, as soon as my paycheck comes through, I'm taking my business elsewhere! RUN from this bank!

After $800 in inspection and $700 appraisal and already have pre-approval and weeks within closing they told me I couldn't get loan. Don't waste your time and money go somewhere else.

Awesome company to work with they made the refinancing procedure easy and it was a great experience. Will def keep doing business with them.

Legacy Bank was awesome all of a sudden
I get a notification that I am now with Prosperity Bank. It has been h e double hockey stick on wheels since that notification, changed all the rules but you don’t get any notification. My account can’t go into negative but since this bank took over I stay in the negative. My account is recalculated In the middle of the night two to three times all different balances. Then the bank blames you saying you have something on auto. We in a pandemic still trust me nothing is on auto. I hate this bank with everything in me. I’m in the process of changing banks now and guess what notification I got this morning at 1am. Yes I’m negative but how when I don’t have anything coming to the account. Can’t wait to get away from this nightmare. Never recommend and people ask all the time and I say RUN .