Why Choose Pioneer?

Make the switch to better banking.


When banks change through mergers or branch closures, customers are often left with fewer choices and less personal service. At Pioneer, we believe you deserve a local bank that’s accessible, supportive, and built around real relationships.











What makes Pioneer
different?

Local branches. Local people.

You’ll work with bankers who live and work in your community, and who are easy to reach when you need them. 

We make switching simple.

From direct deposits to automatic payments, our team helps you move your accounts smoothly and confidently.

Modern banking without losing the human side.

Use digital tools, extended ITM access, and in-branch support, on your terms.

Quick solutions when things go wrong.

Lost, stolen, damaged—you need a new card, and you need it fast. With our Instant Issue debit cards, you can walk into a branch and leave with a replacement in minutes.

More than everyday banking.

Access personal banking, insurance, and financial guidance, all in one relationship.

Ready to make the switch?

We’ll help you get started, online or at your local branch.

open an account FIND YOUR BRANCH

Frequently Asked Questions About Switching Banks

It’s easier than most people expect. Our team helps you move direct deposits, automatic payments, and recurring transfers so nothing gets missed.

You can open an account in one visit or online in minutes. Most customers are fully transitioned within about a week, depending on payment schedules.

No. Opening a checking or savings account does not affect your credit score. Some account types may require additional verification, but switching banks itself won’t impact your credit.

No. Many customers keep their old account open briefly while they transition. We’ll help you time the switch so you avoid fees and overlap.

Very. Pioneer offers strong security features, including Card Controls & Alerts, so you can stay informed of your accounts.

You’ll always have access to in-branch support, or you can call our local, Customer Care team at 518.730.3000 to speak with someone who’s here to help.




Insurance & Benefits services are offered through Pioneer Insurance Agency Inc., a wholly-owned subsidiary of Pioneer Bank, National Association. 
Not FDIC Insured. Not Bank Guaranteed. Not a Bank Deposit. Not Insured by any Government Agency. May Go Down in Value.