Essential Banking

A simple and convenient checking account you can easily get for free!1 

Essential Banking gives you everything you need for day-to-day money management: a debit card and free access to Online & Mobile Banking so you can check balances, pay bills, and move money whenever it works for you. Open your Essential Banking account today and keep your everyday banking easy.



Ready to Open?

OPEN AN ACCOUNT FIND A BRANCH near you




Essential Banking Details:

  • $5 minimum deposit to open
  • $3 monthly service charge1
  • Complete Account Features
  • Debit card with built-in security
  • Free Online & Mobile Banking2 with Mobile Deposit
  • Bill Pay3
  • Pioneer Perks trial coupons on local and national retailers4
  • Pocket Change available — Debit card purchase round-ups automatically transferred to a Pioneer Statement Savings account





















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.