We have a wide variety of checking accounts to suit your needs. All personal checking accounts at Pioneer Bank include:
- Free Instant Issue Visa® Debit Card
- Free Pioneer Card Control
- Free Zelle® Payments
- Direct Deposit & Automatic Payments
- Free Internet Banking
- Free Bill Pay
- Free eStatements1 or
- Free Paper Statements1
- Free Mobile Banking with Mobile Deposit2
- Free Thank you Gift3
- Free Unlimited Check Writing
- Free Buy Back of Your Old Checks and Debit Cards4
- No Per Check Charge
Download our Personal Checking brochure
If you are interested in opening an account, we are happy to help. Please stop by any one of our locations and bring these items:
- $50.00 (after depositing, this is yours as there is no minimum balance)
- Two forms of valid United States identification
PRIMARY
• Driver’s license
• Passport
• US Government
• US Military
• Alien registration card
SECONDARY
• Social Security card
• Voter registration
• Birth certificate
• State or local government
• Company ID
• Police ID
• Medical Insurance Card - Social Security Number
- Proof of address if your driver’s license does not match the address you provide.
Don’t forget to choose your FREE gift!
Pioneer Bank does our best to provide our customers with the service and support they need. Get the banking services help you need with our Online Chat or Call Center representatives.
Our support hours are 7 a.m. – 6:00 p.m. Monday-Friday and 9:00 a.m. – 1:00 p.m. Saturday. Call 575-624-5200 or click the button below to chat.
Everything you need in one convenient card.
- Flexible Rewards
- Low Introductory Rate
- Exceptional Features and Benefits
- No Annual Fee
Using your debit card is just like writing a check — the money is withdrawn from your account. But, it is faster and more convenient than a check, because you use your debit card just like a credit card! Faster than a check, more convenient than a visit to the ATM, and safer than cash — your debit card is a great way to make purchases.
The advantages of a Debit Card:
- Fast as cash
- Use like a credit card
- Eliminates the inconvenience of writing a check
- Money is deducted out of your account
Introducing Pioneer Card Control.
Your card, on your terms.
Pioneer Card Control allows you to turn your debit card “on” or “off” anytime. When they’re “off”…no one can use your cards. Turn them “on” when you’re ready to use them:
- Helps safeguard your cards from fraud
- Lets you define areas where your card can be used
- Limit purchase by the type of merchant
- Set limits on the dollar amount
Instantly change your settings, giving you complete control over your debit card.
Now, you can enjoy a simple, convenient and easy way to manage your money — anytime of the day or night. It delivers a highly intuitive user interface, responsive screens and great tools that simplify your financial life.
- Check all your account balances, pay bills and make transfers right from the Home Page
- View real-time account balances, check images and history
- 24-hour access to checking, loans and CDs
- Export history to financial software or spreadsheets
- Transfer funds between accounts
- Pay bills online
- Safe and secure
Simply the best way to manage your payments.
- Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.
- Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
- Receive eBills. Green, more convenient, more secure and easier to manage.
- Reminders. Receive updates through email when you receive a bill, or when it’s due.
- Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
- Message Center. Get quick answers to questions you might have.
- Completely safe. More secure than mailing paper checks.
E-Statements — Everything I Like!
GREEN…
E-Statements are good for the environment. They literally save tons of paper. Which means fewer trees need to be harvested and less energy needs to be used to make the paper. Choosing E-Statements is something easy you can do, that really is Earth-friendly.
FAST…
You get your statement sooner, because online delivery eliminates delays sometimes found with postal mail delivery.
SIMPLE...
E-Statements eliminate the clutter of paper statements and allow you to store and retrieve past statements right on your hard drive.
SECURE…
Identity Theft experts actually recommend electronic statements. Why? Because most identity theft occurs through the mail or improperly discarded paper documents containing sensitive information. E-Statements simply protect your information better than paper statements.
FREE…
It costs you nothing to switch to E-Statements — and to have access to every transaction in your account, including check images, right at your fingertips.
A secure way to pay
Apple Pay™ transactions are authorized with Touch ID™ thumbprint security or your passcode and transactions never use your card number. Samsung Pay works in a very similar way with your fingerprint or pin. Your debit card number won’t be shared with the retailer. It also won’t be stored on your device or servers. If your phone is lost or stolen, the electronic representation of your account cannot be activated without a Touch ID™ fingerprint, so there is no need to cancel your account.
Simple to use
Add your card simply by using your iPhone 6 or above or any Samsung device. Your card will appear in the app and you can simply point your device at any payment terminal that accepts mobile payments.
Pioneer Bank – exceeding customer experience by staying on the leading edge of technology.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.
Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.
1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
Mobile Banking (Mobiliti) Delivers
Mobiliti is the ultimate in on-demand service. With it, you can receive alerts about your account activity delivered right to your cell phone.
Imagine getting a text message if your account falls below $100. Or, receive an alert so you’ll know as soon as a deposit has been made, or a check has cleared. Mobiliti delivers the information you need, when you need it.
From a cell phone with Internet access, you can also securely log on to:
- View your current account balances
- View the most recent transactions
- Transfer funds between accounts
Fully secure.
Use Mobiliti with complete confidence. It delivers the highest level of security thanks to multiple layers of authentication.
Internet Banking solutions require a strong, multi-layer security to log in. This will protect your accounts by confirming your credentials and the device you access your accounts with.
Our Tell-A-Friend program is easy. Bring a friend in, fill out a flyer or refer someone online – when they open their account you both earn a great thank-you gift. You can refer as many people as you like.
Earn gift cards or other great gifts just for letting people know about Pioneer Bank’s great products!
What’s better than a FREE checking account? A FREE gift with the account. That’s right, open a checking account at Pioneer Bank and to thank you we will give you a free gift. Not only do you get all the convenient features of our checking account products, but you get a little bonus as well.
Don’t miss our Tell-A-Friend promotion as well. When you refer someone to Pioneer Bank and they open an account, you both earn a FREE gift.
- Current balance information
- Interest information
- Most recent deposits
- Most recent withdrawals
- Last five (5) checks to clear your checking or money market account
- Maturity information on your Certificate of Deposit or IRA
- Transfer funds
- Privacy and convenience, call from anywhere
- Free service, absolutely no charge, not matter how often you use it
- No waiting, your call immediately goes to the information you request
Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language — Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.
MANAGE YOUR OVERDRAFT FEES (pdf)
| Account Closeout (within 1 year of opening) | $30.00 |
| Auto Overdraft Transfer (per transfer) | $5.00 |
| ATM/Debit Card or PIN # Replacement
Rush replacement |
$10.00 $50.00 |
| Bank Credit Reference Letter | $25.00 |
| Bill Pay Services (consumer)
Account to Account Transfers (each) Same Day Bill Payment |
no charge
$2.00 $9.95 |
| Cashier’s Check | $8.00 |
| Check Copies | $3.00 |
| Check Printing (prices vary depending on style) | |
| Coin Counting
• Customer 1% of coin (or minimum of) |
$3.00 |
| Collections Domestic (incoming and outgoing) | $25.00 |
| Collections Foreign (incoming and outgoing)
Domestic Foreign (Additional foreign bank fees may apply) |
$25.00
$30.00 |
| Dormant Account Fee (Per month after 12 months of inactivity) | $10.00 |
| Excess Activity in Savings (Per item presented over limit; limit of 6 withdrawals/mo) | $15.00 |
| Excess Activity in Money Market (Per item presented over limit; limit of 6 withdrawals/mo) | $15.00 |
| Faxes (incoming and outgoing per page) | $1.00 |
| IRA Transfer/Closeout | $50.00 |
| MoneyPass ATM Transactions | No Charge |
| Night Deposit Bag (with lock) | $30.00 |
| Non-Pioneer ATM Transaction | $3.00 |
| Non-Sufficient Funds Fee (per presented item) | $35.00 |
| Notary (non-customer) | $5.00 |
| Overdraft Fee (per presented item) | $35.00 |
| Person to Person Transfer (P2P) | no charge |
| P2P Stop Payment | $25.00 |
| Photocopies (per page) | $0.50 |
| Research/Account Balancing (per hour/1 hour minimum) | $25.00 |
| Returned Deposit Item (per item) | $8.50 |
| Returned Mail (without forwarding address) | $5.00 |
| Safe Deposit Boxes (where available) | |
| 3×5 | $20.00 |
| 3×10 | $30.00 |
| 5×5 | $40.00 |
| 5×10 | $45.00 |
| 10×10 | $70.00 |
| Vault | $125.00 |
| Key Deposit | $25.00 |
| Safe Box Drill (other fees may apply) | $175.00 |
| Safe Box Late Payment (per month) | $5.00 |
| Statements | no charge |
| eStatements | no charge |
| Images with eStatements | no charge |
| Mailed without images | no charge |
| Images in Mailed Statements – Personal | $5.00 |
| Images in Mailed Statements – Business | $10.00 |
| Stop Payment Fee | $25.00 |
| Sustained Overdraft Fee (Personal accounts per day starting on the 15th business day. Business accounts per day starting on the 5th business day.) | $5.00 |
| Tax Levy/Garnishment & Subpoenas | $125.00 |
| Telephone Transfers | $3.00 |
| Temporary Check/Deposit Slips (maximum 9) | $5.00/3 |
| Visa Gift Card | $5.00 |
| Wire Transfers | |
| • Incoming | $8.00 |
| • Outgoing | $30.00 |
| • Foreign | $60.00 |
| CERTIFICATES OF DEPOSIT | ||||||
| • $1,000 minimum to open | ||||||
| • Competitive interest paid on balances over $500 |
||||||
| • 3 month to 60 month terms available | ||||||
| • Fixed rate guaranteed for term of deposit | ||||||
| • Automatic renewals (except Jumbos) | ||||||
| • Quarterly compounding available unless interest is withdrawn (except Jumbos) |
||||||
| • IRAs (Individual Retirement Accounts) available |
||||||
| Account subject to penalty for early withdrawal | ||||||
| EASY ACCESS CD | ||||||
| • $1,000 minimum to open | ||||||
| • Withdrawals NOT subject to penalty after first six days from the date after the account is opened |
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| • Rate guaranteed for six months | ||||||
| • Unlimited deposits of $500 or more | ||||||
| • Up to six teller-conducted withdrawals per month of $500 or more | ||||||
| • Rate reverts to savings rate for balances of less than $1,000 | ||||||
| • Monthly compounding | ||||||
| • Monthly statements provided | ||||||
| Account subject to penalty for early withdrawal | ||||||
| PIONEER SAVINGS | ||||||
| • $50 minimum to open | ||||||
| • Interest paid on entire balance, unless balance falls below $100 |
||||||
| • Six free withdrawals per month, $15 each thereafter |
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| • Free ATM card3 | ||||||
| • 24-hour account access through our phone, mobile and on line banking systems |
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• The following service charges will apply:
|
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| MONEY MARKET ACCOUNT | ||||||
| • $50 minimum to open | ||||||
| • Competitive interest rate paid on entire balance | ||||||
| • Limited to three check withdrawals per statement |
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| • Six free withdrawals per month, $15 each thereafter1 |
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| • If balance falls below $750 on any day, the following service charges will apply: |
| Account Balance | Monthly Charge |
| $750 & Over | None |
| $500-$749 | $8.00 |
| $250-$499 | $9.00 |
| $249 & Under | $10.00 |
Plus applicable sales tax
See “Transaction Limitation for Savings Accounts”
Withdrawal fee may apply
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