Online Banking FAQs

How do I sign up for Online Banking?
Simply stop by our website at pioneerbanks.com. Click on the "Enroll" link and complete the steps; or, stop into one of our convenient locations and our customer service representatives will assist you. 

Is there a fee for Online Banking?
No, Online Banking is available free of charge to all Pioneer Bank customers.

Is Online Banking safe?
Yes, Pioneer Bank uses state-of-the-art firewalls and security to protect your accounts and identity. We protect your information by:
  • Requiring you to use a browser with 128-bit encryption.
  • Never displaying your social security number or account numbers over the Internet. Instead, we allow you to customize your account names to differentiate accounts.
  • Requiring a unique Online Banking login and password to be entered before you have access to any account information.
  • Instituted a password lockout system; if your password is entered incorrectly three consecutive times, the user is “locked out” of the system.
What can I do to protect my internet security?
While Online Banking works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Online Banking account information is protected including:
  • Don’t reveal your Online Banking login ID or password to anyone else. They are designed to protect your banking information, but it will only work if you keep them to yourself.
  • Change your password frequently.
  • Don’t walk away from your computer if you are in the middle of an Online Banking session.
  • Once you have finished your Online Banking session, sign off before visiting other sites, by clicking the “Exit” button.
  • If you notice suspicious or unusual activity on your Online Banking accounts, call us at 712.943.5511 or 800.332.2396.
  • Do not change your account alias names for your Online Banking accounts to your account numbers.
Can I choose my own Online Banking ID and Password?
Yes, while initially registering for Online Banking you will be asked to assign a unique login ID and password. You may choose any alphanumeric password at least 6 characters in length, for example JohnDoe1. You may change your password as often as you would like, however the system will remember the last ten passwords used.

How do I change my password?
After you log on to Online Banking select the "User Information" option under the "Self Service" menu tab. You will be asked to enter your current password, then to type in your new password twice for verification purposes. To save this change, click on “Submit”.

What can I do if my Online Banking account is locked or blocked?
If you are unable to access your Online Banking account and you have receive the message to contact your administrator, please contact us at 712.943.5511 or Toll Free at 800.332.2396.

My spouse and I have joint accounts and separate accounts. Is there a way we could see all of our accounts together?
Yes. If there are additional accounts (such as a child or spouse’s account) that you would like to access through Online Banking, you will be able to view these accounts as
long as you are listed on the account(s).

Can my spouse and I have separate Online Banking login ID’s?
Yes. Each signer on the account is required to have a different Online Banking login and password that is unique to them.

What should I do if I forget my password?
On the Sign in to Online Banking page enter your username and click on the "Reset Your Password" link. If you need additional assistance, simply call us at 712.943.5511 or Toll Free at 800.332.2396, our customer service representatives will be happy to assist you.

How late in the day can I make a transfer between my Pioneer Bank accounts?
You can transfer funds 24 hours a day. However, if you would like the transfer to post on the same business day, the transfer must be initiated and a confirmation number received before 4:00pm on business days Monday-Friday. All transfers made after 4:00pm, on the weekends, or on holidays will post the next business day.

I signed up for Online Banking, but I am not able to view my past statements?
Only statements produced after you signed up for Online Banking are available online.

How far back can I review my statements?
You can view up to 12 previous statements as well as your current transactions.

When is Online Banking unavailable?
Occasionally, Online Banking will be temporarily unavailable during routine maintenance sessions. 

Can I pay bills or transfer funds using Online Banking?
Yes, you may transfer funds between your checking and savings accounts with Pioneer Bank. You may also make payments to your loan from your accounts with Online Banking. Additionally, you may use our FREE Bill Payment feature within Online Banking to pay bills to electronic or check payees. For more information on Bill Payment, please contact us at 712.943.5511 or 800.332.2396.
 
My account numbers do not appear on Online Banking, how can I differentiate between my accounts?
Online Banking allows you to assign an "alias" name to each of your accounts so you can label them whatever is most convenient for you (i.e., Christmas savings, Expense account, etc.). To assign an alias name to your accounts, log into Online Banking then click on the “Self Service” menu tab. Select "Account Maintenance" and then the account you want to assign a name to. Lastly, enter the title for the account and click on the "Submit" button at the bottom of the page when completed. 

What is the difference between current and available balance?
Your current balance is the total amount of funds currently in your account. Available balance is your current balance plus any available deposits or minus any withdrawals for the current day.