Go Touch-Free With Your Banking
Consider some of the surfaces you use for transactions or banking, including your debit or credit card, pin pads, or even touch screens. At Pioneer, we have a few options to help you reduce your contact with frequently used surfaces and make your banking easier.
The 50/30/20 Rule
The 50/30/20 rule (also referred to as the 50/20/30 rule) is a simple approach to budgeting that can keep your spending in alignment with your savings goals.
What are the Benefits of Using an ITM?
With our Interactive Teller Machines (ITM), you can do more than just withdraw cash and make deposits.
Most Popular Home Improvements (Infographic)
Home improvement spending has grown more than 50 percent in the United States over the last ten years. What home improvements are people spending their money on? Here are 10 categories that were the most popular.
Kids Financial Worksheets
Looking for fun, yet educational activities to do with your kids? We’ve put together another set of money worksheets for kids of all ages.
How Can I Minimize the Impact of the Coronavirus On My Credit Score?
While your health is a top priority, you may also be concerned about how the current economic conditions may affect your financial situation. Here are a few tips on how you can minimize the impact of the coronavirus on your credit score.
Tackle Your Financial & Legal Checklist
Use this extra time at home to tackle your financial to-do list that you’ve been putting off for quite a while, like updating several financial and legal matters that tend to fall through the cracks. Here are a few items to jump-start your checklist.
Take Control of Your Financial Future with Personal Finance
While there are many apps you can use to budget, track your spending, and eliminate your debt, Pioneer offers our Personal Finance tool through Online Banking or our Mobile App. We bring together all of your accounts, bills, and more, so you can conveniently manage your finances from one, easy-to-use dashboard.
Should I Buy A House During A Pandemic?
Homebuyer demand may have decreased in recent weeks as the COVID-19 outbreak has continued, but that doesn’t mean it’s gone entirely. Here are some things to consider if you’re thinking of buying a home right now.
Should I Dip Into My Retirement Funds Due to COVID-19?
Under the CARES Act, you can now take an early retirement plan withdrawal without penalty - but that doesn't necessarily mean you should.
Should You Continue Your Renovation Projects This Year?
With everything that has happened in recent weeks, is it still the right time to continue your home renovation plans? Everyone's situation is different. Here are a few things you should consider.
What Should You Do With Your Share of the Stimulus Money?
The historic $2 trillion stimulus package was proposed to help the American people survive financially as the economy shuts down in the wake of the COVID-19 outbreak. How should you spend or save your stimulus money?
5 Questions to Ask Yourself As You Approach Retirement
Being able to retire comfortably is a dream for many. The thought of leisurely getting ready for the day and making your own schedule to incorporate your hobbies and some much deserved relaxation is something to look forward to.
What To Do With Your 401(k) When You Leave Your Job
It’s not uncommon to have more than one, if not ten, jobs in your lifetime. Sooner or later you may be on the search for a new job.
How To Budget On A Variable Income
If you are self-employed or work on commission, you may be faced with a variable income, which is not always easy to budget. This variable income can make navigating expenses, especially in times of uncertainty and upheaval, as many of us are facing today, extremely difficult.
Manage Your Money From Home
Just a few years ago, managing your money required trips to the bank, but you no longer need to go out of your way.
The Importance of Having a Global View of Your Finances
Do you have more than one credit card, loan, or an account at more than one bank? Chances are you do. The average American has 2.6 credit cards, with 28% of Americans having an account at two banks and 7% having an account at more than five banks.
Refinancing Your Home - Should You Do It?
A mortgage payment is normally the largest household payment, and interest rate contributes greatly to that. But interestingly enough, a study conducted by Bankrate found that nearly 27% of Americans do not know their interest rate.
Car Buying 101: Lease or Buy?
Has a new vehicle been on your radar, but you’re unsure if you should buy or lease? Other than a home mortgage, an acquisition of a vehicle is one of the biggest financial commitments you can make.
Secured or Unsecured Loan: What You Need to Know Before Selection
Is it time to finally update your bathroom, buy a new car, or go on that vacation you’ve been talking about for years now, but when you look at your bank account, you’re not sure how you are going to afford it? You may consider taking out a loan.
How to Save on School Supplies for Back-to-School
It's almost time for school to start up again, which means restocking your child's school supplies.
Fall Back Into a Savings Routine
Summer is all about having fun, exploring, and spending time with family and friends. But at the end of the summer, do you ever look at your bank account and think “oh no, where did all my money go?” It’s not uncommon.
Your Fall Financial Checkup
The leaves are changing color and the warm morning air has transitioned to cool and crisp. Fall is here, with winter right around the corner.
Money Saving Hacks for Halloween
Halloween is right around the corner! Don’t have time to get out to the store to get decorations? Not to worry – we have you covered. Check out our DIY videos on how to make fun Halloween decorations with everyday items that you may have lying around your house.
How to Host Thanksgiving on a Budget
The holidays are a time for love and joy with your family and friends. A time to gather around the dinner table and make memories.
5 Reasons to Give on #GivingTuesday (Infographic)
Make a difference this #GivingTuesday.
Budgeting Worksheets to Create a Stress-Free Holiday Season
Financial stress is the last thing you need on your mind this holiday season. Manage your holiday gift spending, and make this year the year you finally come in on (or under) budget.
When Making your Holiday Purchases…Stay Close to Home
If you’re like most people, you’ve been thinking about the holidays for a few months now. What presents you will get your family, when you’ll put up your tree and decorations. But you may not have given much thought on where to buy these items.
How to Recover From Holiday Overspending
The National Retail Federation found that consumers planned on spending a total of $1,048 on average during the 2019 holiday season. Even if you took the time and laid out a detailed holiday spending plan, unexpected costs and travel expenses can add up.
6 Tips for Holiday Budgeting
How do you get through the holidays unscathed if you are on a budget?
How to Avoid Crippling Holiday Debt
Holiday time makes getting into debt easy and you may even find yourself starting off the New Year in the red.
Holiday Financial Prep - How to Save Now to Spend Later (Infographic)
Americans racked up $1,000 in debt during last year's holiday season. Start your planning now to ensure your holidays are filled with happiness and joy, not regret.
It’s the Most Wonderful Time of the Year
Winter is coming, are you prepared? There are many things that you should consider when you are getting your car ready for winter weather.
DIY Holiday Ring Wreath
Decorating for the holidays can be pricey, but we found a DIY holiday wreath that you can make for only a few bucks! A cheaper alternative and you can reuse it for years to come!
Ideas for Your Next Holiday Party that Won’t Break the Bank
The temperature is dropping and snowflakes are falling. Some would argue it’s the best time of the year.
Financial Planning for Your 2020 Goals
Picture yourself sitting in an oversized armchair in front of a roaring fire, with the snow falling softly outside. If this sounds like your dream, then this could be you on your next winter vacation for 2020 if you start planning for your financial goals.
It Takes 21 Days to Build a Habit, or Does It?
When it comes to making a New Year’s Resolution, you may think about how long it takes to achieve it. Have you heard the phrase “it takes 21 days to build a habit?” Sound too good to be true?
Celebrate Valentine's Day Without Breaking the Bank
Still trying to figure out what to do for your Valentine? Don't fret - we have plenty of ideas that won't break the bank.
Breaking Up With Debt
You’ve recently graduated college, bought a home, or a new car, it’s an exciting time for you, but now you are faced with some debt.
Show Yourself Some Love (Infographic)
Do you feel like after your hectic work week, social engagements, and taking care of your home that you are just drained? Listen to your body and take some well-deserved R&R for yourself.
Love Your Money? Find Ways to Help it Grow
Do you think about how much money you have in savings and how you’ll be able to grow it? Not many do, at least not on a regular basis.
Talking Money Before Marriage
Before you get ready to say ‘I do,’ you need to plan how you’re going to handle personal finances as a couple.
Reasons to Save (Or Spend) Your Wedding Money
The sun is shining brightly, you have coffee in your hand, and you are reminiscing about your beautiful and memorable wedding day.
Wedding Bells and Budgeting
It’s one of the biggest days of your life and it’s over in a flash, a whirlwind of guests, celebration, and food. The pure happiness of finding that special someone that you will be spending the rest of your life with.
Spring Cleaning Your Finances (Infographic)
Today is the first day of Spring. Here are 6 easy steps to spring clean your finances.
Spring Cleaning - Cleaning Out and Donating
The time has come once again to take a look in your closets and around the house. It’s the tidying up craze and it can happen anytime during the year, but it mostly takes place during everyone’s ‘Spring Cleaning’ phase.
Going Green & Saving Green (Infographic)
Ways to show your love to the environment and your wallet.
Smart Ways to Use Your Tax Refund
Receiving your tax refund can be exciting. You’re getting back a portion of your hard earned money from Uncle Sam. But now you have a big question to answer. What are you going to do with it?
Keeping It Local
Spring brings warmer weather, sunny blue skies, flowers, and growth. It’s the perfect time to get out of the house again to enjoy what your local town it has to offer.
Ways to Pay It Forward, That Aren’t Hard on Your Wallet
Our lives are hectic to say the least. You have to find the time to juggle work, family, friends, and ‘me time.’ All of these things can be time consuming, however it is important to take a breath, step back, and think about others as we get closer to the season of giving.
Renting vs. Buying a Home: Which Option is Right for You?
When you are looking to get your own place, it’s one of the biggest debates, which is better, renting or buying a home?
9 Additional Costs of Buying a Home (Infographic)
Here are 9 additional costs to consider when buying a home.
Home Equity Line of Credit vs. Home Equity Loan: What’s the Difference?
One of the advantages of owning a home is that you can build up equity that can then be used to borrow money when a financial need arises. Home equity lending uses the equity in your home as collateral.
Home Improvement Projects That Will Add Value to Your Home
Renovating a home can be an exciting (and stressful) time.
How to Balance a Mortgage and Student Loans
When it comes to balancing your mortgage and student loans (or your child’s student loans), it may be seen as an art.
The Importance of Having an Emergency Fund
It is important to have an emergency set aside...just in case. Find out why.
Make The Most Of Your Time At Home Without Spending Any Money
Staying home and safe with your family can be a time for fun and discovering new things together. Most people are looking for ways to save money while still keeping their children entertained. The best way to save money is to utilize items you already have in your home. Here are some fun and time consuming crafts and science experiments you can do for little to no cost.
Tips on Getting Children Involved in Volunteering Early
When you ask your child “what does volunteering mean?” depending on their age they may not have a clue. That’s okay. It provides parents an opportunity to teach their child about helping others and the importance of giving back.
The Benefits of Providing Your Child with an Allowance
As parents we’ve all been there, your child wants to buy the hot new toy on the market and asks for money. You can agree and take them to the store to buy it, or you can encourage them buy it with funds earned from their allowance. But what’s the benefit of doing so?
Teaching Savings at No Cost
Teaching your kids to save can be fun and provides a learning curve for them.
How to Talk to your Teens About Money
Find tips to talk to your teen about money.
Nine Months of Financial Planning
Adding a new baby to the family means being financially prepared. Learn what steps you can take.
At What Age Should Your Child Receive Their First Debit Card?
Teaching your child the basics of saving at a young age is a great way to prepare them for the future.
Do We Inherit Our Bad Money Habits?
Time to blame your money DNA.
Set Yourself Up to Reach Your Financial Goals
It’s also never too early (or too late) to sit down and consider your present financial situation.
6 Steps to Financial Independence
Here are 6 tips for establishing your financial independence.
5 Reasons to Get a Financial Advisor (Infographic)
Here's why you should consider a financial advisor.
Make Your Money Work Harder for You (Infographic)
Explore some different options on how to make your money work harder for you.
Can I Afford to Invest?
Have you thought about investing your money, but not sure if you can afford it? A seemingly simple question, can result in a complex answer.
How to Start Investing (Infographic)
Let’s first answer the question as to why it’s important to invest? For most of us, simply having your money in a savings account won’t yield the growth needed for retirement and to attain larger financial goals. Investing provides an avenue in which you may grow your money.
What To Discuss With Your Financial Advisor During A Volatile Market
With the Coronavirus (COVID-19) inundating the media, fear among the public has risen. Most people are focused on stocking up on essential groceries and toiletries, but it’s also important to keep in mind your retirement and investments as the market continues to shift drastically.
How Online Banking is Making Managing Money Easier
In today’s society we expect instant access with a tap of a fingertip. As technology continues to evolve, so does the banking experience.
Building a Better Credit Score
Looking to improve your credit score? Check out these tips.
Test your Financial Literacy
The term financial literacy continues to float around media as a highly common term. But do we really understand the true meaning of the term?
Vacationing on a Budget
Still want to plan a vacation this summer? Here are some ideas to help you plan on a budget.
Organizing Your Subscription Services
We live in a subscription society; the ease and convenience of getting just what you want for a small monthly cost, set up once and sometimes forgotten.
Debt Due to Social Media?
Nearly half of millennials say social media has influenced them to spend money they don’t necessarily have, but how?
How to Order *That* Cheese Board AND Pay Next Month's Rent
We all know the temptation that hits when you see a cheese board or charcuterie board on the menu at that hip new spot in town, but how do you manage splurging to get that insta-worthy pic, without breaking the bank?
Money Mistakes to Avoid In Your Twenties
You’re not playing with your parents’ money anymore.
A Millennial's Roadmap to Financial Independence (Infographic)
A millennial’s guide to financial independence.
How to Choose the Right College for You
You have five pieces of mail waiting for you when you arrive home from school. Your parents are anxiously waiting for you to open them. On every letter you read “Congratulations, you’ve been accepted!” What great news, but now comes the hard part.
Establishing a Budget as a New College Graduate
Attaining a goal of any kind is a huge accomplishment, but completing college is always high on the list. But what's next?
Student Loans & Savings Goals: How to Prioritize
Learn how to prioritize your student loan and savings goals.
How to Balance Funds and Fun at College
It’s all fun and games until you’re broke.
Budgeting Tips for College Students
Check out these tips for how to budget if you are a college student.
7 Tips for Back-to-School Meal Prep
It’s that time of the year. School is back in session and your mornings may be a little more hectic now; making sure your child eats breakfast, brushes their teeth, and gets dressed, all while your packing their lunch and getting yourself ready.
Pioneer Gives Back
The Pioneer Bank Foundation is committed to "helping kids be kids" by giving to local charitable organizations in our communities that focus on the health and welfare of children.Learn More