Text Banking

Bank on the go with Prosper Bank Text Banking! Whether you have a quick question about your balance, or if a check has cleared yet, or need to make a transfer, don't worry - Prosper Bank is just a text away from your mobile phone.

Text Banking

"Text Message" access to your accounts anywhere, anytime! Our Text Banking service allows you to safely and securely access your Prosper Bank account(s) anywhere, anytime using your text enabled mobile phone.

With Text Banking you can:

  • Access balance information
  • View pending transactions
  • View transactions history
  • Transfer funds

To print out a quick reference guide click here.


  • Prosper Bank will never share or reveal cell phone numbers
  • Prosper Bank is committed to protecting your financial information privacy
  • One phone per Online Banking account can use Text Banking

To use Prosper Bank Text Banking, you need to enroll in our mobile banking services. If you are currently an Online Banking customer you can login to online banking and go to Mobile Banking Preferences to enroll. If you are not already an Online Banking customer, you can click here to register.

*Prosper Bank Text Banking is free of charge; however, check with your mobile provider about message and data rates associated with your phone plan.


Frequently Asked Questions:

Q: How do I start using Prosper Bank Text Banking?

You must be an Online Banking customer first, then you will need to login to Online Banking and navigate to the 'Mobile Banking Preferences' page to register your cell phone for Prosper Bank Text Banking.

Q: How many cell phones can I register for Prosper Bank Text Banking?

You can register only 1 (one) cell phone per Online Banking User account.

Q: Do I have to nickname my accounts for Prosper Bank Text Banking?

You will need to nickname your accounts for access with Text Banking. The nicknames can be up to 4 characters and can contain letters or numbers.

Q: What all Text Prompts are available?

The available text prompts are as follows:

  • BAL - list of all registered account balances
  • BAL <nickname> - balance of specific account
  • HIST <nickname> - account history of specific account
  • XFER <nickname> <nickname> <amount> - transfers amount between accounts
  • HELP - sends website and phone number for support
  • LIST - receive a list of commands
  • STOP - to opt-out of Text Banking

Q: Are Text Prompts case sensitive?

No, Text Prompts are not case sensitive. For example, you can type "bal" or "BAL"

Q: What is the number I should use to send my Text Prompts?

The short code is 226563 "BANKME". This short code will only work if you have activated the Prosper Bank Text Banking service on our Online Banking site.

Q: How long does it take to get a response via text message?

You will normally receive a text message response within approximately a minute. Exact timing will depend on your mobile service carrier.

Q: How secure is Prosper Bank Text Banking?

Prosper Bank Text Banking is secure. You can activate the service only after logging into our Online Banking site. Prosper Bank Text Banking is as secure as online banking, so rest assured that your information is protected.

Q: Will I be charged for Prosper Bank Text Banking?

Prosper Bank does not charge for Text Banking. However, standard text messaging fees from your wireless carrier may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Q: Will Prosper Bank Text Banking work on my phone?

Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

Q: Which carriers do you support?

Prosper Bank Text Banking works on all major mobile providers in the U.S., including: Alltel, AT&T, Nextel, Sprint, T-Mobile, US Cellular, Verizon Wireless, Virgin Mobile.

Q: How do I deactivate Prosper Bank Text Banking?

You can text bank "STOP" to 226563 on your activated cell phone, or you can return to online banking, under Mobile Banking Preferences and click opt out and disable text banking, then submit. Your phone will no longer receive any text messages from Prosper Bank Text Banking. You can add a new phone at any time if you change your mind later. You can reactivate Text Banking under Mobile Banking Preferences.

Q: What if my cell phone number changes?

If your cell phone number changes you will need to login to your Online Banking and update the cell phone number under the 'Mobile Banking Preferences' page.