Essential Banking

A simple and convenient checking account you can easily get for free!  

Building your financial future starts here with Essential Banking - the account that gives you all the basics: an Instant Issue debit card and access to free Mobile Banking, Online Banking, and Bill Pay to check balances, pay bills, and make transactions anytime and anywhere that's convenient for you.

Pioneer’s Essential Banking gives you the benefits you need to easily manage your money anytime and anywhere. And you can get it for free! *To waive the $3 monthly service fee, simply maintain an average daily balance of $250 or set up a recurring direct deposit.

Visit any location in our branch network to open an account and start banking with confidence today.

Find a Branch Near You

Essential Banking Details:

  • $5 minimum deposit to open
  • $3 monthly service charge1
  • Complete Account Features
  • Complimentary instant issue debit card
  • Free Online & Mobile Banking2 with Mobile Deposit
  • Bill Pay3
  • Pioneer Perks trial coupons on local and national retailers4

1. To waive the monthly fee, maintain an average $250 daily balance or set up a recurring direct deposit.  
2. You must be registered to use Pioneer's free Online Banking Service and Mobile Banking. Third party messaging and data rates may apply. Sign up here!
3. 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.
4. Partial BaZing® requires customers to sign-up for Sample BaZing at no additional cost. Benefits include 3 discounts and ID Theft Aid. See a Pioneer representative for details.