Prospera is a member-owned credit union, which means we’re focused on people, not shareholders. Profits are reinvested into better products, services, and the communities we serve.
Member notice: Due to ongoing political tension between Cuba and the United States, effective June 6, Visa and Mastercard credit cards and bank or credit union issued debit cards will not be accepted as payment in Cuba. If you are visiting Cuba and require assistance, please contact the Canadian government’s Emergency Watch and Response Centre for consular assistance.
Skip to main content
-
PERSONAL
Accounts
Accounts- Compare chequing accounts
- Unlimited
- Basic
- Unlimited Senior
- Unlimited Young Adult
- Personal US Account
- Compare savings accounts
- Personal high growth savings account
- Personal savings account
- Additional services
- OFX money transfers
- Money and wire transfers
- Safety deposit boxes
- Cheque ordering
- Foreign currency
- eStatements
- Ways to bank
Credit Cards
Credit Cards- Compare all credit cards
- Premium cash rewards
- Premium rewards
- No fee & rewards
- Low fee & low interest
- Low interest & rewards
- US Dollar
- Offers
- Young adult $100 credit offer
- Pay 0% credit card interest with a balance transfer
- Explore all credit card offers
- Credit card advice
- New to Canada
- How to do a balance transfer
- How to improve my credit score
Mortgages
Loans & Lines of Credit
Loans & Lines of Credit -
BUSINESS
Business homepage
Accounts
Accounts- Chequing accounts
- Compare daily accounts
- Business pay-as-you-go account
- Business e-chequing account
- Business plan 35 account
- Business plan 75 account
- Local community account
- Business US account
- Compare savings accounts
- Business high growth savings account
- Business savings account
- Ways to bank
- Business Online Banking
- Advanced Business Online
Credit Cards
Cash Management
Cash ManagementBorrowing
Advisors & Resources
-
WEALTH
Wealth homepage
Our Approach
Work With An Advisor
- Work with an advisor
- Lower Mainland
- Investment specialists
- Investment advisors
- Fraser Valley
- Investment specialists
- Investment advisors
- Okanagan
- Investment specialists
- Investment advisors
Personal investing
Insurance
- Compare insurance
- Annuities
- Critical illness insurance
- Disability insurance
- Life insurance
- Long-term care insurance
- Work with an insurance expert
- Insurance specialists
Offers
-
COMMUNITY
COMMUNITYDoing good
Giving back
Events and programs
Grants, sponsorships and donations
Education bursaries and grants
Prospera Foundation charitable grants
PERSONAL
Accounts
Credit Cards
Mortgages
Loans & Lines of credit
Investing
BUSINESS
Accounts
Credit Cards
Cash Management
Borrowing
Advisors & Resources
Credit card advice
WEALTH
How we help
Work with an advisor
Personal investing
Personalized financial advice
Offers
Lower Mainland
Fraser Valley
Investment goals
Investment advice
Investment calculators
COMMUNITY
In the community
Open an account online and get rewarded. BAM!
Fast, simple, and secure banking, with a welcome offer worth up to $400* when criteria is met.
Open an account. Get rewarded. BAM!
It pays to become a Prospera member
Open your account easily online and enjoy some extra cash when you follow the steps below. From day-to-day banking to long-term saving, we have the right account to help you reach your goals—whatever they may be.
High usage
Unlimited chequing
Just like the name says, our unlimited option gives you unlimited transactions each month—perfect for all your taps and transfers.
Monthly features
- Unlimited transactions
- Unlimited free Interac® e-Transfers
- $10/month
Low usage
Basic chequing
More of a minimalist? Our basic option is ideal if you only need to make a few transactions per month.
Monthly features
- Up to 10 transactions
- 2 free Interac® e-Transfers
- $3.50/month
High usage
Unlimited chequing
Just like the name says, our unlimited option gives you unlimited transactions each month—perfect for all your taps and transfers.
Monthly features
- Unlimited transactions
- Unlimited free Interac® e-Transfers
- $10/month
*Terms and conditions apply
Low usage
Basic chequing
More of a minimalist? Our basic option is ideal if you only need to make a few transactions per month.
Monthly features
- Up to 10 transactions
- 2 free Interac® e-Transfers
- $3.50/month
*Terms and conditions apply
New members who are under 25 or over 59 will automatically be set up with our Young Adult or Senior Chequing account. These accounts include the same features as our Unlimited account with no monthly fee.
*Cash bonus will be paid 30-90 days after qualifying criteria are met. Terms and conditions apply.
How to claim your cash bonus
Simply follow the steps below and enjoy up to $400* in cash deposited into your new account once the criteria has been met.
Become a member
Open the chequing account above that’s right for you
Apply online in minutes
Complete your application from your computer or smartphone in just a few clicks
Add direct deposit or two recurring bill payments
Set up a direct deposit or recurring bill payment within 60 days of opening your account and maintain it for 90 consecutive days (at least 1x deposit/month or 2x bill payments/month)
How to claim your cash bonus
Simply follow the steps below and enjoy up to $400* in cash deposited into your new account when criteria is met.
Become a member
Open the chequing account above that’s right for you
Apply online in minutes
Complete your application from your tablet or smartphone in just a few clicks
Add direct deposit or two recurring bill payments
Set up a direct deposit or recurring bill payment within 60 days of opening your account and maintain it for 90 consecutive days (at least 1x deposit/month or 2x bill payments/month).
Score more with a Prospera credit card
Get approved for a Prospera credit card and enjoy extra bonuses worth up to $220. No matter what you need—lower interest rates, no annual fees, cashback or reward points—we have a card with the perks you need to tap and go.
Cash Back Visa* Infinite = Infinite Possibilities
- Get up to 10,000 bonus Flex Rewards points (a $100 value)1
- 0% interest for 12 months on balance transfers
- Annual fee rebate ($120 value)2
Why choose Prospera?
You deserve more from your financial institution—more choice, more perks, and more support on your unique financial journey. That’s why, at Prospera, you’re a member, not a customer. We’re all about giving you straightforward options that fit real life—and a few great extras along the way.
Member-owned and people-first with a focus on our local communities
Free, expert financial advice tailored to you
No minimum account balances and free Interac e-Transfers with an Unlimited account
Competitive interest rates and a full range of financial products for every stage of life
Access to 4,000+ ding free ATMs across Canada
Invitations to exclusive members-only events and additional perks and discounts
Want to learn more?
Check out our interactive account opening demo and our Online Advice Centre where we have a host of tips for your financial journey.
Frequently asked questions
How is Prospera different from a bank?
How do I open an account online?
The process is fully online and easy to follow. Just follow the prompts and enter your information as indicated on our account application form. Click here to view a demo.
How do I qualify for the cash bonus?
Open a qualifying chequing account and set up a qualifying direct deposit or two recurring bill payments, which must remain active for a minimum of 90 consecutive days. Once the requirements are met, your bonus will be paid to your new account within 30-90 days.
Is there a monthly fee?
Yes. Monthly fees vary by account type and are clearly shown so you can choose what fits your needs.
Can I bank with confidence at Prospera?
Prospera is an established and regulated financial institution with a strong track record, secure digital banking tools, and personal support available when you need it. We're here to help.
How does Prospera support the community?
We invest back into the communities we serve through local initiatives, events, sponsorships and grants, and member support. Check out our foundation and community pages to learn more.
How to reach us
Visit us in person at your local branch, give us a call, or send us an email — we're always happy to help.
Give us a call
24/7 tech support
Send us a message
Virtual or in person
Terms and conditions
*Terms and conditions apply. Offer subject to change. Click here to view.