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Simple Checking

Pioneer Bank’s Simple Checking is simple to open and even simpler to maintain. Enjoy free Online Banking, free Mobile Banking* and free eStatements.

  • $100.00 minimum deposit to open
  • $5.00 monthly service charge
  • 15 free debit transactions per month; $0.15 fee each additional debit
  • $1.00 paper statement fee
  • Free Telephone Banking
  • Bill Pay available

*Message and data rates may apply. Check with your phone carrier.

Account Minimum Balance to Obtain APY Minimum Opening Deposit Interest Rate APY
Simple Checking $0.00 $100.00 0% 0%

Checking and Savings Features

  • The average daily balance method is used to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for this period.
  • Interest on non-cash deposits begins to accrue on the business day of deposit—for example, checks.
  • The interest rate and annual percentage yield may change at Pioneer Bank’s discretion as often as daily. Rates may change after account is opened.
  • Fees, penalties, service charges and withdrawal of earned interest may reduce earnings.
  • Overdraft and return check charges may apply to negative balances created by check, in-person withdrawal, automatic payment or other electronic means.
  • A continuous overdraft fee will be charged to your account on the beginning of the third business day after your account goes negative.
  • No account service charge fees will be assessed to individuals under age 18. Service charges will begin automatically on the statement cycle following an individual’s 18th birthday.*
  • No account service charge fees will be assessed to legally formed non-profit entities who elect to hold Simple Checking and/or Regular Savings accounts.
  • Free debit card available for minors until age 18. Automatic annual fee begins July 1st following 18th birthday if applies to account type.*
  • The $1.00 per statement Paper Statement Fee will not be assessed to Kasasa® accounts, Thrift Savings accounts, HSAs or IRAs. The Paper Statement Fee will also not be assessed to individuals under the age of 18 or legally formed non-profit entities who elect to hold Simple Checking and/or Regular Savings accounts. The Paper Statement Fee will begin automatically on the statement cycle following an individual’s 18th birthday.*
  • Fee for closing an account during the first six months does not apply to Thrift Savings and Kasasa® accounts.
  • Accounts closed between statement cycles will not receive accrued interest.

* Minor must be primary account holder.

Online Banking