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Checking

Accounts designed with you in mind.

We offer a range of accounts to fit your unique needs, with features and special benefits to suit every individual. Find the one that's right for you, or ask us and we'll help make your decision a little bit easier.

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Essential Banking

Essentially all you need

Building your financial future starts here with Essential Banking - the account that gives you all the basics: a standard 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. Essential Banking helps your money work for you!

  • $5 minimum deposit to open
  • Monthly service charge of $3.00
    • To waive the monthly fee, maintain an average $250 daily balance or set up a recurring direct deposit
  • Pioneer Perks trial coupons on local and national retailers*
  • Free Online Banking, Mobile Banking1 & Bill Pay2 available

*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.

Signature Banking

The account with all the perks

Do you want more from your account? Pioneer's Signature Banking account delivers built-in security with all the extras. It provides you with convenient banking solutions along with the value of Pioneer Perks. Signature Banking has no monthly balance requirement and is just $7 per month.

Perks of Banking
  • $5 minimum deposit to open
  • No minimum monthly balance required
  • Free Online Banking, Mobile Banking1 & Bill Pay2
  • Access to Mobile Wallets, Card Controls & Alerts, Virtual StrongBox
  • Eligible for local discounts & national retailer deals through Pioneer Perks powered by BaZing®

Once your account has been opened, download the Pioneer Perks app and start saving today!

Learn more about Pioneer Perks

Premier Banking

A relationship that rewards you

Customers who achieve Premier status enjoy exclusive access to enhanced benefits and rewards. Visit our Premier Banking page to learn more.

Learn more

Jump$tart Checking®

Jump-start your financial future

Jump$tart Checking® is the low-cost checking solution for those who may not qualify for other checking account products. Featuring an easy-to-read monthly statement, low opening balance, and no minimum balance required, Jump$tart Checking® gives you the tools you need to manage your money, pay bills, and make transactions. You'll have access to free Mobile Banking**, Online Banking, and Bill Pay*, for banking on your terms, and the standard debit card that works just like cash anywhere that accepts debit cards. Jump$tart Checking® customers may qualify for a full-feature checking account after 18 months.

Jump$tart Checking® features:
  • $50 minimum deposit to open
  • Non-interest bearing
  • No minimum balance requirement
  • Monthly service charge of $9.95 with a $3.00 credit for recurring direct deposit
  • Eligible for checks
  • Mobile Banking, Online Banking, and Bill Pay* included at no additional charge
  • No external transfers allowed online
  • Debit Card available with $300 daily PIN/cash limit; $750 daily POS limit
  • May qualify for a full-featured checking account after 18 months

Jump$tart Basic®

The simple way to jump-start your finances

Jump$tart Basic® is the banking solution for those who may not qualify for other checking account products. With an easy-to-read monthly statement, low opening balance, and no minimum balance required, Jump$tart Basic® gives you the tools you need to manage your money, pay bills, and conduct transactions. You'll have access to free Mobile Banking**, Online Banking & Bill Pay* for banking on the go, and the standard debit card that works just like cash anywhere that accepts debit cards. Jump$tart Basic® customers may qualify for a full-feature checking account in 18 months.

Jump$tart Basic® features:
  • $50 minimum deposit to open
  • Non-interest bearing
  • No minimum balance requirement
  • No checks available for this account
  • Monthly service charge of $9.95 with a $3.00 credit for recurring direct deposit
  • Mobile Banking, Online Banking & Bill Pay are included at no additional charge
  • No external transfers allowed online
  • Bill Pay daily limit set at $1,000
  • Debit Card available with $300 daily PIN/cash limit; $500 daily POS limit
  • Qualify for full-feature checking after 18 months

 

 

Pioneer Debit Cards

Access funds without writing a check.

Pioneer debit cards give you fast, convenient access to the money in your Pioneer checking account. Just swipe or insert your debit card and you can make purchases or get cash directly from your checking account – without writing a check. You can also personalize your card with your favorite photo or select from one of our unique designs.

Questions: Call 518.730.3000

Lost or Stolen Card: Call 800.500.1044

Instant Issue Debit Card

Pioneer's Instant Issue debit card lets you walk out of the branch with your card the same day! Just open a checking account, and we'll create your debit card while you wait. It's fast, easy, and fun!

Instant Issue debit cards offer these convenient benefits:
  • Use your debit card the same day you open your account
  • No waiting for your debit card to come in the mail
  • Personalize your card using our Pioneer design gallery

MyCard Debit Card

MyCardSM makes debit card convenience personal:
  • Select an image of your choosing to be applied to your card
  • Choose an image for each of your cards to match your interests
  • Personalize your banking experience

There is a $9.95 fee for each MyCardSM customized debit card issued.

Ready to order? Click Here!

Upload your favorite photo or select one from our image gallery. There is a $9.95 fee for each MyCardSM customized debit card issued.

Find a branch near you to open your Pioneer checking account.

Sign-up for Pioneer Perks Trial to try some of the great features such as Payment Card Protection, Identity Restoration Services, and 3 discounts. Click here to sign-up.

  1. You must be registered to use Pioneer Bank's free Online Banking Service and Mobile Banking. Sign up here!

  2. 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.

  3. When the bill is paid through your account. With $50 copayment per claim – a maximum of two claims per year per account. Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. See a bank representative for more details.

Personal Finance

Easily Control Your Money

With Pioneer's Personal Finance tool, you can take control of your money by setting goals, creating budgets, and tracking spending and savings. Organize and visualize your finances with this free tool from Pioneer.

Learn More

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