Pioneer Cash Back Checking - Available starting June 11th, 2026

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Checking & Savings Features

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. ^*APY = Annual Percentage Yield

Limit one account per Social Security Number.

*Qualification Information

To earn your rewards, the following enrollments must be in place, and all transactions and activities must post and settle to your Pioneer Cash Back account during each Monthly Qualification Cycle:

-At least one direct deposit, ACH credit, or ACH payment transaction
-At least 15 PIN-based or signature-based debit card purchases
-Be enrolled in and log into online banking
-Be enrolled in and have agreed to receive e-statements rather than paper statements
-Maintain a valid email address on record with bank

Pioneer Cash Back: you will receive 4.00% cash back on up to a total of $200 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back payments may be earned per Monthly Qualification Cycle.

Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

You will receive reimbursements up to an aggregate total of $15 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Pioneer Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Pioneer Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.

See our website at www.bankwithpioneer.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

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.

$2.00 paper statement fee

Accounts closed between statement cycles will not receive accrued interest.

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