Checking

CHECK-CHING! Accounts


Account Feature
iCHECKING
eCHECKING
Minimum to Open $100 $100
Minimum Balance Requirement $0 $0
Interest
When requirements are met, balances up to $25,000 will earn a premium rate.*
  • Non-interest earning
  • $10 cash back reward:  account credit of $10 will post to the account by the fifth business day of the month following the periodic statement where the requirements are achieved. 
Fees No per check charge Clear up to 5 checks free per statement cycle; $1.00† per check after that.
Transaction Limitations
Account Requirements: 
  • Have at least 12 debit card purchases post and clear per statement cycle (ATM withdrawals not included)
  • Have at least one direct deposit into the account per statement cycle**
  • Enroll in monthly eStatements; OR, $5.00† per statement for paper statements
  • Log into Mobile Banking or Online Banking at least once per statement cycle
Account Requirements: 
  • Have at least 12 debit card purchases post and clear per statement cycle (ATM withdrawals not included)
  • Have at least one direct deposit into the account per statement cycle**
  • Enroll in monthly eStatements; OR, $5.00† per statement for paper statements
  • Log into Mobile Banking or Online Banking at least once per statement cycle

Additional Benefits & Account Detail

  • No monthly maintenance fee
  • Debit card (no issuance fee or annual fee)
  • Refund of foreign ATM fees (up to $20 per statement cycle), customer is responsible for bringing in receipts and/or statement for refund
  • Free Online Banking and Mobile Banking App^ including: Free eStatements and Free Bill Pay
* For each statement cycle requirements are met, balances up to $25,000 will earn a premium rate and any portion of the balance over $25,000 will earn interest but at a lower rate. Ask us for today's rates.
** Direct deposit must be a payroll, pension, Social Security, or other regular monthly income, electronically deposited by an employer or an outside agency into the new checking account. This does not include a transfer done via an ATM, online or teller, or a transfer from a bank or brokerage account.
† Plus sales tax
^ Mobile Banking App is available to Online Banking customers. Data plan with your mobile service required, check with your wireless carrier for fees that may apply.
 

More Personal Checking Options

Account Feature Free Checking Regular Checking Direct Deposit Checking Interest Checking
Opening Deposit $100 $100 $100 $100
Minimum Balance Requirement $0 $300 average daily balance; or, $100 minimum daily balance $0 $750 minimum daily balance
Interest Non-interest earning Non-interest earning
Non-interest earning
The interest rate and annual percentage yield for your account depend upon the applicable rate tier and are subject to change. 
Interest will be compounded and credited monthly.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Fees & Transaction Limitations
No monthly service charge

$10 Debit card
issuance fee†

$15 annual charge
for Debit card†

$2.50 foreign ATM
transaction fee†*
A monthly Balance Requirement Fee of $7.00† will be waived if your average daily balance is equal to or greater than $300; OR, your minimum daily balance is equal to or greater than $100.

$10 Debit card
issuance fee†

$15 annual charge
for Debit card†

Optional: check images
returned with statement – $2.50† monthly fee
No monthly service charge with monthly direct deposit

$10 Debit card
issuance fee†

$15 annual charge
for Debit card†
A monthly Balance Requirement Fee of $10† will be waived if your minimum daily balance is equal to or greater than $750.

$10 Debit card
issuance fee†

$15 annual charge
for Debit card†

Optional: check images
returned with statement –
no fee





Additional Benefits & Account Detail

  • Free Online Banking including:  Free eStatements, Free check images and Free Bill Pay.
  • Free Mobile Banking App.^
† Plus sales tax.
* Foreign ATM transaction fee if debit card is tied to a Free Personal Checking account or those savings accounts tied to a Free Checking account and used at ATMs not owned by Pioneer Bank; or ATMs that are not in the Privileged Status® network.
^ Mobile Banking App is available to Online Banking customers. Data plan with your mobile service required, check with your wireless carrier for fees that may apply.
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