Personal Checking

CHECK-CHING! CHECKING ACCOUNTS
CHECK-CHING!
CHECKING PLUS INTEREST
iCHECKING
CHECK-CHING!
CHECKING
eCHECKING
OPENING DEPOSIT
$100 $100
MINIMUM BALANCE
$0 $0
INTEREST

Bonus rate of interest if requirements are met:

  • 1.10% APY* on balances up to $25,000
  • 0.10% APY* on balances over $25,000
  • If account requirements are not achieved: 0.10% APY* on all balances

*Annual Percentage Yield; subject to change without notice

Non-interest earning
FEES AND TRANSACTION LIMITATIONS
No per check charge A maximum of 5 checks to clear the account per statement cycle; $1.00† per check charge after 5
  $10 cash back reward; an account credit of $10 will post to the account by the fifth business day of the month preceeding the periodic statement where the requirements are achieved
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 month for paper statements
Log into Mobile Banking or Online Banking at least once per statement cycle
ADDITIONAL BENEFITS AND 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 including: Free eStatements, Free Bill Pay
 

To receive the bonus you must open a new Pioneer Bank Check-Ching Checking account prior to February 28, 2018 with a deposit of $100 or more and have a regular recurring direct deposit into your account. Only one bonus earned per account. Bonus is considered interest and will be reported to the IRS. If the account is closed within six months after opening, the bonus amount will be deducted at closing.

** 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

 

PERSONAL CHECKING
FREE CHECKING REGULAR CHECKING DIRECT DEPOSIT CHECKING INTEREST CHECKING
OPENING DEPOSIT
$100 $100 $100 $100
 
MINIMUM BALANCE
$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. The interest rate and annual percentage yield for these tiers may change. At our discretion, we may change the interest rate on your account. 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 AND TRANSACTION LIMITATIONS
No monthly service charge 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. No monthly service charge with monthly direct deposit 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†
$10 Debit card
issuance fee†
$10 Debit card
issuance fee†
$10 Debit card
issuance fee†
$15 annual charge
for Debit card†
$15 annual charge
for Debit card†
$15 annual charge
for Debit card†
$15 annual charge
for Debit card†
$2 foreign ATM
transaction fee†*
Optional: check
images returned – $2.50†
monthly fee
  Optional: check images
returned with statement –
no fee
 
ADDITIONAL BENEFITS AND ACCOUNT DETAIL
Free online banking including: Free eStatements, Free check images, Free Bill Pay Free online banking including: Free eStatements, Free check images, Free Bill Pay Free online banking including: Free eStatements, Free check images, Free Bill Pay Free online banking including: Free eStatements, Free check images, Free Bill Pay
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.