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Prosperity Bank routing number

Complete guide to Prosperity Bank routing number for ACH transfers, wire transfers, and direct deposit setup across Texas and Oklahoma.

Last verified June 2026

Prosperity Bank routing number

Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.

ACH routing number
Domestic Wire
International Wire
SWIFT / BIC

More about Prosperity Bank

Prosperity Bank's ACH routing number is 113122655, used for direct deposits, ACH transfers, and domestic wires. SWIFT/BIC: PROYUS44.

Important Note About Legacy Routing Numbers

Due to Prosperity Bank's extensive history of acquisitions, some customers may have accounts with legacy routing numbers from previously acquired banks. If you opened your account at a bank that was later acquired by Prosperity Bank (such as FirstCapital Bank, LegacyTexas Bank, or American State Bank), your original routing number may still be active.

Legacy Routing Numbers:

While Prosperity Bank has consolidated most operations under routing number 113122655, the following legacy routing numbers remain active for customers of acquired institutions:

  • Various legacy numbers from acquired banks
  • FirstCapital Bank accounts (transitioned to 113122655 in May 2023)
  • Former bank acquisitions throughout Texas and Oklahoma

If your checks show a routing number different from 113122655, that number will continue to work for your existing automatic payments and direct deposits. However, for new transactions, Prosperity Bank recommends using the primary routing number 113122655.

Prosperity Bank's Growth Through Acquisitions

Prosperity Bank has one of the most aggressive acquisition strategies in Texas banking. Founded in 1949 as First National Bank of Edna, the bank relocated to El Campo in 1992 and adopted the Prosperity Bank name in 2001. Since then, the bank has grown exponentially through strategic acquisitions:

Major Acquisitions:

  • Union State Bank (1998)
  • Franklin Bank (2008)
  • American State Bank (2012) - Added 37 branches and first West Texas locations
  • First Federal Bank Texas (2013)
  • First Victoria National Bank (2013) - Added 34 branches
  • F&M Bancorporation (2014) - First Oklahoma expansion
  • LegacyTexas Bank (2019) - Massive $10+ billion acquisition
  • FirstCapital Bank (2023)
  • Lone Star State Bank of West Texas (2024)

Despite this rapid growth, Prosperity Bank has worked to consolidate routing numbers to simplify banking operations. The primary routing number 113122655 serves as the unified routing number for most customer transactions.

Wire Transfer Cutoff Times

Prosperity Bank has specific cutoff times for wire transfers to ensure same-day processing:

  • Business International Wires: 4:00 PM CST
  • Treasury Management Wires (Foreign Currency): 4:00 PM CST
  • Treasury Management Wires (USD): 4:30 PM CST

Wire transfer requests received after these cutoff times will be processed the next business day.

Get it right the first time

A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.

Avoid the common mistakes
  • Using the wire number for an ACH transfer (or vice-versa)
  • Transposing a digit; always copy, don’t retype
  • Forgetting the SWIFT code on incoming international wires
Keep transfers secure
  • Routing numbers are public — your account number is what to protect
  • Only share account details over channels you initiated
  • Verify new payees by phone before the first transfer
  • Watch for invoice-swap scams that change banking details

How to find your account number

Bottom of a check

The 9-digit number in the lower-left, before your account number.

Online banking

Sign in, open the account, and view account & routing details.

Monthly statement

Printed near your account number in the statement header.

Call or visit Prosperity Bank

1-800-531-1401, or ask at any Prosperity Bank branch.

FAQs

Common questions about ACH and wires through Prosperity Bank

Why does Prosperity Bank use one primary routing number despite having acquired so many banks?

Prosperity Bank has actively consolidated routing numbers following its numerous acquisitions to streamline operations and simplify banking for customers. When the bank acquires another institution, it works to migrate accounts to the primary routing number 113122655 over time. This consolidation process typically happens within 6-12 months of an acquisition. For example, when Prosperity acquired FirstCapital Bank in 2023, customer accounts transitioned to routing number 113122655 by May 15, 2023. While some legacy routing numbers remain active for existing automatic payments, new transactions should use 113122655 for optimal processing.

I was a customer of LegacyTexas Bank before Prosperity acquired it. Do I need a new routing number?

Following the November 2019 acquisition of LegacyTexas Bank, most accounts were eventually migrated to Prosperity Bank's primary routing number 113122655. However, if your existing automatic payments and direct deposits are working correctly with your original LegacyTexas routing number, those transactions will continue to process without interruption. For setting up new payments, direct deposits, or wire transfers, you should use Prosperity Bank's primary routing number 113122655. Contact Prosperity Bank at 1-800-531-1401 to confirm which routing number applies to your specific account.

Does Prosperity Bank charge fees for wire transfers?

Yes, Prosperity Bank charges fees for wire transfers, though specific amounts vary by account type and transfer method. Typical wire transfer fees range from $25-50 for domestic outgoing wires and may be higher for international transfers. Incoming domestic wire transfers may also incur fees. The exact fee schedule depends on your account type and relationship with the bank. For current wire transfer fees specific to your account, contact Prosperity Bank customer service at 1-800-531-1401 or check your account agreement. Business customers using Treasury Management services may have different fee structures.

Can I use Prosperity Bank's routing number for international wire transfers?

For domestic wire transfers within the United States, use routing number 113122655. However, for international wire transfers, you'll need Prosperity Bank's SWIFT code PROYUS44 in addition to the routing number. When receiving international wires, provide your sender with SWIFT code PROYUS44, routing number 113122655, your account number, and Prosperity Bank's full name and address. International wire transfers typically take 1-5 business days to process and may involve additional correspondent bank fees beyond Prosperity Bank's own wire transfer fees.

What should I do if my employer's payroll system rejects my Prosperity Bank routing number?

If you're experiencing issues setting up direct deposit and your routing number is being rejected, first verify you're using the correct routing number 113122655. If you recently became a Prosperity Bank customer through an acquisition and are still using a legacy routing number, try updating to the primary routing number 113122655. Some payroll systems may have outdated banking information and need time to update their databases after bank acquisitions. If problems persist, contact Prosperity Bank at 1-800-531-1401 for assistance. The bank can verify your routing number and may be able to contact your employer's payroll provider directly to resolve the issue.

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