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Routing # 324173383

Checking Accounts

With a variety of options, Pioneer has the checking account to best match how you spend your money. Looking for an account that rewards you for shopping online or for keeping a high balance in checking? Interested in a simple and easy to manage checking account? Pioneer has options to match what you are looking for! 

Open a Checking Account!  Schedule an Appointment

black woman driving a carLeave your old checking account in the dust and switch to one that earns you 3.70% APY*. The Reward U Checking Account is one of the few around that earns you dividends on your average daily balance and wrangles in Rewards points on your debit card. 

Open your account at your local branch, with the myPioneer Personal Assistant app, or online today!

Benefits

  • 3.70% APY* paid on the average daily balance, up to $10,000
  • Earn Rewards points, 1 point for every $3 spent using your debit card using a signature, 1 point for every $4 spent using your PIN
  • Five (5) non-Pioneer ATM fee refunds up to $7.50

Monthly Qualifications

  • 15 PIN or signature debit card transactions must post and clear from the checking account
  • Must receive eStatements
  • ID Theft Protection must be on the account**

All requirements must be met each month in order for benefits to be earned.

Compare this checking account with the others to find the perfect one for you!

Members as young as 15 years old can open a Reward U Checking Account with their parents/guardians as co-signers.

Open One Now!

*APY = Annual Percentage Yield. All rates are subject to change as a result of Board of Directors' action. Rates on variable accounts could change after account opening. Fees associated with this account could reduce earnings. See Service Charges & Fee Disclosure for current rates.

**All checking accounts are assessed a monthly service charge of $1.99 to cover valuable identity theft and fraud protection for all Pioneer members. Learn more about these services provided with your account.

woman happy about shoppingNo more panning for gold, start accruing wealth the easy way. Earn 1% cash back with your debit card purchases up to $15 per month. The Pioneer WOW Cash Back Checking Account puts extra cash in your wallet just for doing your regular shopping.

Open your account today at your local branch, with the myPioneer Personal Assistant app, or online! 

Benefits

  • 1.00% cash back on all debit card purchases up to $15 a month maximum
  • No interest earned, simply cash back on what you spend
  • Five (5) non-Pioneer ATM fee refunds up to $7.50 a month

Monthly Qualifications

  • 15 PIN or signature debit card transactions must post and clear from the checking account
  • Must receive eStatements
  • ID Theft Protection must be on the account**

All requirements must be met each month in order for benefits to be earned.

Compare this checking account with the others to find the perfect one for you!

Members as young as 15 years old can open a "WOW" Checking Account with their parents/guardians as co-signers.

Open One Now!

*APY = Annual Percentage Yield. All rates are subject to change as a result of Board of Directors' action. Rates on variable accounts could change after account opening. Fees associated with this account could reduce earnings. See Service Charges & Fee Disclosure for current rates.

**All checking accounts are assessed a monthly service charge of $1.99 to cover valuable identity theft and fraud protection for all Pioneer members. Learn more about these services provided with your account.

teenage girl riding a bikeThis is the financial trailhead. The Classic Checking Account is our option for members who want a basic account without any rewards or perks.

Open your account today by stopping by a local branch, using the myPioneer Personal Assistant app, or applying online!

Compare this checking account with the others to find the perfect one for you!

Members as young as 15 years old can open a Reward U Checking Account with their parents/guardians as co-signers.

Open One Now!

**All checking accounts are assessed a monthly service charge of $1.99 to cover valuable identity theft and fraud protection for all Pioneer members. Learn more about these services provided with your account.

group of friends talkingToss a lasso and rope in a friend to open a Pioneer Checking Account. Every time you refer someone and they open a new checking account at Pioneer, both of you get a certificate redeemable for a $25 gift card or other rewards! Plus, there is no limit on how many people you can refer.

Getting started is simple! Here's what you'll need to do:

  • Sign Up- Visit the Refer-a-Checking page and sign up for a new account
  • Referral Code- Get your multi-use referral code
  • Share- Share your referral code with your friends and family. When they use your code, you get the credit

Refer a Friend Today!

Account Features and Requirements
Type of Account Reward U WOW Cash Back Checking Classic
Dividends 3.70% APY* None None
Dividend Period Monthly NA NA
Cash Back on Purchases None 1.00% on all debit card purchases up to $15 a month None
Rewards Points Earned on Purchases Yes No No
Free myPioneer Online Banking Yes Yes Yes
Free Mobile Banking Yes Yes Yes
Debit Transaction Requirements 15 15 No
eStatement Requirement Yes Yes No
ID Theft Protection Requirement Yes Yes No

 

"WOW" Experiences

"My dad and mom have banked with Pioneer for many years. My dad took me to get an account of my own. I'm so impressed with the way Pioneer conducts business and the way the tellers treat me each time I go."

Jene T

“Friendly, easy to work with, and great checking account options.”

Chad C

“I like that they offer interest on my checking account. I like doing business at the ATM with a virtual teller.”

Tracey D

"I like the good service. The website was easy to navigate, and I was able to quickly complete my transaction."

Jay M

"I changed my banking to Pioneer after having two loans there. I've had better experiences with them, so I moved my checking account to the credit union to make paying my loans easy."

Tieran M