Personal Checking

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

Pioneer Bank offers a variety of personal checking options. All feature secure access, convenience, and ‘round the clock online services. Choose the account that works best for you.

Pioneer Consumer Checking Accounts

	Everyday	Student	Elite	Elite Plus (PEP)
Description	Easy and economical	For ages 15 to 18	For ages 55+	The gold standard
VISA™ Debit Card	Free	Free with school design	Free	Free
Mobile Banking App	Free	Free	Free	Free
Online Banking & Bill Pay	Free	Free	Free	Free
Telephone Banking	Free	Free	Free	Free
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.