Personal Checking

It’s your money—decide how you want to manage it!

Pioneer Bank offers a variety of checking options to fit your needs, delivered with local, personalized service from our team. All accounts offer secure access, convenient features, and 24/7 online and mobile services. Choose the checking account that works best for you, with a bank that knows you by name.

Pioneer Consumer Checking Accounts

Every personal checking account gives you free access to a VISA™ debit card, mobile and online banking, bill pay, and telephone banking - offering convenient access backed by local support you can trust.

	Everyday	Student	Elite	Elite Plus (PEP)
Description	Easy and economical	For ages 15 to 18	For ages 55+	The gold standard
Opening Deposit	$10	$10	$10	$10
Minimum Balance	$0	$0	$300 or one ACH deposit monthly (or $5 fee)	$500 or one ACH Deposit per cycle (or $10 fee)
Checks	Available to purchase	Not available	Free Checks (one box per year)	Free Checks (one box per year)
Statements	Free E-Statements (or paper statements for a fee)	E-statements only	Free E-Statements (or paper statements for a fee)	E-statements only
Interest	No Interest	No Interest	No Interest	Premium interest rate available *

* Elite Plus (PEP) Interest Rates

To obtain the Premium interest rate, must meet the following monthly requirements:

10 POS Debit Card transactions (ATM excluded), will need to clear during each statement period
1 ACH deposit or greater per monthly cycle
E-Statements required

Premium rate on balances up to $15,000.

Simplify your finances with online bill pay.

Pay all your bills and credit cards, make a gift, and monitor transactions with online bill pay. You can set up e-bill accounts for utilities, taxes, a mortgage or any other regularly scheduled payments. With bill alerts or by scheduling payments, you can be sure to pay on time and avoid unnecessary late fees.

Fee-free E-Statements are at the ready.

Go green by checking statements electronically. Check on the status of a loan. Track payments and access documents for tax time. You can access, save, and print at your convenience.

Visit our FAQs page for instructions on signing up for E-Statements online.