Business Account Features

Tools to manage your business finances.
Pioneer offers powerful online tools and electronic banking products to help businesses manage their finances. With Pioneer's innovative business banking tools, you can streamline your processes, save time, and do more with your money.

Conduct business confidently knowing these products were selected for advanced functionality, proven security, and user-friendly interfaces. Choose the one that's best for your business goals - or use them all for maximum flexibility and convenience. Pioneer makes it easy to get started and we're always available to help if you need support.

To enable the following features, please contact our Cash Management team at 518.730.3250 or talk to a branch manager today.

The secure, simple way to manage your business finances
  • Track transactions and activity for all accounts
  • View updated account balances and activity
  • View electronic images of checks and statements
  • Transfer funds between accounts and institutions
  • Initiate stop payments and wire transfers
  • Initiate Automated Clearing House (ACH) transactions for payments, transfers, taxes, and payroll
  • View and pay all of your bills with just a few clicks
  • Schedule recurring payments in advance
  • Download transaction activity into accounting software with the click of a button
  • Eligible for free QuickBooks downloads**
Sign up for Online Banking & Bill Pay
  • ACH: Collect funds directly from your clients or make your own payments through the nationwide electronic payment network. Accessible directly through your online banking log on, it’s the most flexible option for handling most any electronic transaction.
  • Remote Deposit Capture***: Save time and increase efficiency with a special scanning device that conveniently enables deposits directly from your place of business. Plus, we’ll come to you to install the machine and provide onsite training.
  • Wire Transfer: Move money quickly and securely across the country or around the globe. Access the fastest way to send money globally right through your online banking profile.
  • ACH Debit Block: Protect your accounts by only allowing authorized ACH transactions and blocking all others to help defend against ACH fraud.
  • Dual Control Options: Add an extra layer of security and reduce the risk of fraudulent activity by requiring two authorized individuals to approve certain transactions prior to the release of funds.
  • Multi-Factor Authentication: Ensure the security of your transactions with a verification code received via text or phone call.
  • Positive Pay: Protect against forged, altered, and counterfeit checks with a service that
    matches issued checks to those presented for payment.
  • Security Token: Provide an added layer of protection with a security token that requires
    authentication on outgoing transactions.
  • Stop Payment: Allows for the cancellation of a payment before it is processed such as a
    paper check or an automatic debit payment.

Take the worry out of employee payroll and taxes
Payroll represents a significant piece of most businesses' financial picture, making it important to have a trusted and reliable provider. Pioneer offers payroll services through a partnership with GTM Payroll Services, a local provider for all of your business payroll and payroll tax needs.

Offering a full spectrum of payroll support:
  • Employee Payroll Service and Taxes
  • Workers' Compensation/Disability Coverage
  • Business HR Services and HCM Solutions
Disclosure Statement:

At GTM, your privacy and security is our top priority. Due to the confidential nature of the services we perform, the cornerstone of our operating procedures is to manage and process your information with the strictest security and privacy possible. Please be advised, that GTM has entered into a formal agreement with Pioneer regarding the disclosure of certain information you provide on the form below. To provide our customers with products or services that we believe may meet your needs, we may exchange such information with Pioneer (under limited circumstances) to the extent permissible under law. The information shared will only be used to better serve the needs of our shared clients. Please refer to GTM Privacy Statement for full disclosure of our privacy practices, the way your information is collected and how that information is used.
Payment processing solutions for every business need
The success of your business depends on the transaction. Simplifying the payment process for your customers and ensuring security and low cost for your business is essential. With Pioneer's merchant services (in partnership with third-party vendors), you can offer credit card convenience with fast, reliable processing, and robust reporting.

Merchant service options:
  • Card Processing Services: capabilities for credit, debit, Electronic Benefits Transfer (EBT), gift and purchasing cards for all major card types and technologies - with quick connections and continuous service. You will also have access to the gross amount of all transactions deposited into your business checking account in as little as 24 hours.
  • Point of Sale (POS) Equipment and Service: Options to meet all of your terminal support needs, including new deployments or conversions, hardware, supplies and emergency replacements.
  • Reporting Services: Web-based reporting capabilities, online merchant statements, special alerts for retrieval requests and chargebacks.
  • Check Solutions to meet every need: One of the industry's best check acceptance programs, with world-class service and support.
  • Extensive product line provides turnkey solutions for quick, easy integration with low initial startup cost.
Securely upload your financial statements directly to your relationship manager
  • View what financials are required for your loan and when they are due
  • Upload through a secure portal
  • Send messages directly to your Relationship Manager

Bill Pay may not be used to pay the IRS, state & local taxing authorities, government agencies or court-ordered payments. Other payments may be excluded.
**Customer must have QuickBooks software.
***Apply to qualify. Requires Pioneer Online Banking