We have a wide variety of checking accounts to suit your needs. All personal checking accounts at Pioneer Bank include:

  • Free Instant Issue Visa® Debit Card
  • Free Pioneer Card Control
  • Free Zelle® Payments
  • Direct Deposit & Automatic Payments
  • Free Internet Banking
  • Free Bill Pay
  • Free eStatements1 or
  • Free Paper Statements1
  • Free Mobile Banking with Mobile Deposit2
  • Free Thank you Gift3
  • Free Unlimited Check Writing
  • Free Buy Back of Your Old Checks and Debit Cards4
  • No Per Check Charge

Download our Personal Checking brochure
Completely Free Checking

1Customer will choose between paper statements without images or eStatements with images. 2Additional data rates and text charges from your carrier might apply. All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft, sustained overdraft fees, etc. may apply.3Minimum opening deposit is $50. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details4Up to $10.

If you are interested in opening an account, we are happy to help.  Please stop by any one of our locations and bring these items:

  • $50.00 (after depositing, this is yours as there is no minimum balance)
  • Two forms of  valid United States identification
    • Driver’s license
    • Passport
    • US Government
    • US Military
    • Alien registration card
    • Social Security card
    • Voter registration
    • Birth certificate
    • State or local government
    • Company ID
    • Police ID
    • Medical Insurance Card
  • Social Security Number
  • Proof of address if your driver’s license does not match the address  you provide.

Don’t forget to choose your FREE gift!

Pioneer Bank does our best to provide our customers with the service and support they need.  Get the banking services help you need with our Online Chat or Call Center representatives.

Our support hours are 7 a.m. – 6:00 p.m. Monday-Friday and 9:00 a.m. – 1:00 p.m. Saturday.  Call 575-624-5200 or click the button below to chat.

We are excited to announce that Pioneer Bank now offers credit cards!

Everything you need in one convenient card.

  • Flexible Rewards
  • Low Introductory Rate
  • Exceptional Features and Benefits
  • No Annual Fee

Pioneer Bank’s instant issue debit cards are a simple, convenient way to make purchases in stores or even online.

Using your debit card is just like writing a check — the money is withdrawn from your account. But, it is faster and more convenient than a check, because you use your debit card just like a credit card! Faster than a check, more convenient than a visit to the ATM, and safer than cash — your debit card is a great way to make purchases.

The advantages of a Debit Card:

  • Fast as cash
  • Use like a credit card
  • Eliminates the inconvenience of writing a check
  • Money is deducted out of your account

Introducing Pioneer Card Control.
Your card, on your terms.

Pioneer Card Control allows you to turn your debit card “on” or “off” anytime. When they’re “off”…no one can use your cards. Turn them “on” when you’re ready to use them:

  • Helps safeguard your cards from fraud
  • Lets you define areas where your card can be used
  • Limit purchase by the type of merchant
  • Set limits on the dollar amount

Instantly change your settings, giving you complete control over your debit card.

Now, you can enjoy a simple, convenient and easy way to manage your money — anytime of the day or night. It delivers a highly intuitive user interface, responsive screens and great tools that simplify your financial life.

  • Check all your account balances, pay bills and make transfers right from the Home Page
  • View real-time account balances, check images and history
  • 24-hour access to checking, loans and CDs
  • Export history to financial software or spreadsheets
  • Transfer funds between accounts
  • Pay bills online
  • Safe and secure

bill pay

Simply the best way to manage your payments.

  • Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.
  • Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
  • Receive eBills. Green, more convenient, more secure and easier to manage.
  • Reminders. Receive updates through email when you receive a bill, or when it’s due.
  • Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
  • Message Center. Get quick answers to questions you might have.
  • Completely safe. More secure than mailing paper checks.

E-Statements — Everything I Like!

E-Statements are good for the environment. They literally save tons of paper. Which means fewer trees need to be harvested and less energy needs to be used to make the paper. Choosing E-Statements is something easy you can do, that really is Earth-friendly.

You get your statement sooner, because online delivery eliminates delays sometimes found with postal mail delivery.

E-Statements eliminate the clutter of paper statements and allow you to store and retrieve past statements right on your hard drive.

Identity Theft experts actually recommend electronic statements. Why? Because most identity theft occurs through the mail or improperly discarded paper documents containing sensitive information. E-Statements simply protect your information better than paper statements.

It costs you nothing to switch to E-Statements — and to have access to every transaction in your account, including check images, right at your fingertips.

Mobile payments

A secure way to pay
Apple Pay™ transactions are authorized with Touch ID™ thumbprint security or your passcode and transactions never use your card number. Samsung Pay works in a very similar way with your fingerprint or pin.  Your debit card number won’t be shared with the retailer.  It also won’t be stored on your device or servers. If your phone is lost or stolen, the electronic representation of your account cannot be activated without a Touch ID™ fingerprint, so there is no need to cancel your account.

Simple to use
Add your card simply by using your iPhone 6 or above or any Samsung device.  Your card will appear in the app and you can simply point your device at any payment terminal that accepts mobile payments.

Pioneer Bank – exceeding customer experience by staying on the leading edge of technology.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd.

Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

Mobile Banking (Mobiliti) Delivers

Mobiliti is the ultimate in on-demand service. With it, you can receive alerts about your account activity delivered right to your cell phone.

Imagine getting a text message if your account falls below $100. Or, receive an alert so you’ll know as soon as a deposit has been made, or a check has cleared. Mobiliti delivers the information you need, when you need it.

From a cell phone with Internet access, you can also securely log on to:

  • Effortlessly see your debit card purchases by date, merchant category or even by a location on the map — taking the guesswork out and putting you in control of where your money goes.
  • View your current account balances
  • View the most recent transactions
  • Transfer funds between accounts

Fully secure.
Use Mobiliti with complete confidence. It delivers the highest level of security thanks to multiple layers of authentication.

Internet Banking solutions require a strong, multi-layer security to log in. This will protect your accounts by confirming your credentials and the device you access your accounts with.

When someone you refer opens a new checking account, you both earn a FREE gift!

Our Tell-A-Friend program is easy.  Bring a friend in, fill out a flyer or refer someone online – when they open their account you both earn a great thank-you gift.  You can refer as many people as you like.

Earn gift cards or other great gifts just for letting people know about Pioneer Bank’s great products!

Customer pays for checks. We reserve the right to substitute a gift of similar value. $50 minimum balance to open.

free gift

What’s better than a FREE checking account?  A FREE gift with the account.  That’s right, open a checking account at Pioneer Bank and to thank you we will give you a free gift.  Not only do you get all the convenient features of our checking account products, but you get a little bonus as well.

Don’t miss our Tell-A-Friend promotion as well. When you refer someone to Pioneer Bank and they open an account, you both earn a FREE gift.

Customer pays for checks. We reserve the right to substitute a gift of similar value. $50 minimum balance to open.
Around the clock access, every day of the year

  • Current balance information
  • Interest information
  • Most recent deposits
  • Most recent withdrawals
  • Last five (5) checks to clear your checking or money market account
  • Maturity information on your Certificate of Deposit or IRA
  • Transfer funds
  • Privacy and convenience, call from anywhere
  • Free service, absolutely no charge, not matter how often you use it
  • No waiting, your call immediately goes to the information you request

Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language — Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.

Get closer to your savings goals by opening a savings or money market account at Pioneer Bank.  With competitive rates and convenient options, you are sure to find a product that works for you.


Account Closeout (within 1 year of opening) $30.00
Auto Overdraft Transfer (per transfer) $5.00
ATM/Debit Card or PIN # Replacement

Rush replacement

Bank Credit Reference Letter $25.00
Bill Pay Services (consumer)

Account to Account Transfers (each)

Same Day Bill Payment

no charge



Cashier’s Check $8.00
Check Copies $3.00
Check Printing (prices vary depending on style)
Coin Counting

• Customer 1% of coin (or minimum of)

Collections Domestic (incoming and outgoing) $25.00
Collections Foreign (incoming and outgoing)


Foreign (Additional foreign bank fees may apply)



Dormant Account Fee (Per month after 12 months of inactivity) $10.00
Excess Activity in Savings (Per item presented over limit; limit of 6 withdrawals/mo) $15.00
Excess Activity in Money Market (Per item presented over limit; limit of 6 withdrawals/mo) $15.00
Faxes (incoming and outgoing per page) $1.00
IRA Transfer/Closeout $50.00
MoneyPass ATM Transactions No Charge
Night Deposit Bag (with lock) $30.00
Non-Pioneer ATM Transaction $3.00
Non-Sufficient Funds Fee (per presented item) $35.00
Notary (non-customer) $5.00
Overdraft Fee (per presented item) $35.00
Person to Person Transfer (P2P) no charge
P2P Stop Payment $25.00
Photocopies (per page) $0.50
Research/Account Balancing (per hour/1 hour minimum) $25.00
Returned Deposit Item (per item) $8.50
Returned Mail (without forwarding address) $5.00
Safe Deposit Boxes (where available)
3×5 $20.00
3×10 $30.00
5×5 $40.00
5×10 $45.00
10×10 $70.00
Vault $125.00
Key Deposit $25.00
Safe Box Drill (other fees may apply) $175.00
Safe Box Late Payment (per month) $5.00
Statements no charge
eStatements no charge
Images with eStatements no charge
Mailed without images no charge
Images in Mailed Statements – Personal $5.00
Images in Mailed Statements – Business $10.00
Stop Payment Fee $25.00
Sustained Overdraft Fee (Personal accounts per day starting on the 15th business day. Business accounts per day starting on the 5th business day.) $5.00
Tax Levy/Garnishment & Subpoenas $125.00
Telephone Transfers $3.00
Temporary Check/Deposit Slips (maximum 9) $5.00/3
Visa Gift Card $5.00
Wire Transfers
• Incoming $8.00
• Outgoing $30.00
• Foreign $60.00
• $1,000 minimum to open
• Competitive interest paid on balances
over $500
• 3 month to 60 month terms available
• Fixed rate guaranteed for term of deposit
• Automatic renewals (except Jumbos)
• Quarterly compounding available unless
interest is withdrawn (except Jumbos)
• IRAs (Individual Retirement Accounts)
Account subject to penalty for early withdrawal
• $1,000 minimum to open
• Withdrawals NOT subject to penalty after
first six days from the date after the
account is opened
• Rate guaranteed for six months
• Unlimited deposits of $500 or more
• Up to six teller-conducted withdrawals per month of $500 or more
• Rate reverts to savings rate for balances of less than $1,000
• Monthly compounding
• Monthly statements provided
Account subject to penalty for early withdrawal
• $50 minimum to open
• Interest paid on entire balance, unless
balance falls below $100
• Six free withdrawals per month, $15 each
• Free ATM card3
• 24-hour account access through our phone,
mobile and on line banking systems
• The following service charges will apply:

Account Balance Monthly Charge
$100 & Over None
$99 & Under $3.00
• $50 minimum to open
• Competitive interest rate paid on entire balance
• Limited to three check withdrawals per
• Six free withdrawals per month, $15 each
• If balance falls below $750 on any day, the
following service charges will apply:
Account Balance Monthly Charge
$750 & Over None
$500-$749 $8.00
$250-$499 $9.00
$249 & Under $10.00

Plus applicable sales tax
See “Transaction Limitation for Savings Accounts”
Withdrawal fee may apply

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We offer several click-thru training or videos that will help you learn to use our products.

Round-Up Savings takes the guesswork out of saving by automatically depositing into your savings account each time you make a purchase with your debit card.  Choose to round up your purchases to the nearest dollar and send the remaining change to your savings account.

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Mobile Banking
Instant Issue Debit Card
Free Bill Pay