Pioneer Bank
 
 

 

Personal Checking Accounts

Personal Value Plus Checking Personal Money Market Checking Personal NOW Checking Personal Checking Personal Choice Checking Health Savings Account (HSA)
Your Goal
Avoid all monthly fees with $5,000 in related savings, CD or loan balance Get the best interest rate for a checking Find a checking that earns interest but doesn't have any transfer limits Start with basic checking Enjoy no monthly fees or minimum balance requirements Pay for your family's qualified* medical and health expenses
Earns Interest
Non-applicable Yes Yes Non-applicable Non-applicable Yes
Minimum Opening Balance
$10 $2,500 $750 $10 Non-applicable $10
Minimum Daily Balance
$5,000 in related savings, CD or loan balance to avoid Maintenance Fee $2,500 to avoid Minimum Balance Fee; $0 to obtain APY $750 to avoid Minimum Balance Fee; $0 to obtain APY $350 to avoid Minimum Balance Fee Non-applicable $1,000 to avoid Minimum Balance Fee; $100 to obtain APY
Minimum Balance Fee
Non-applicable $10 or See (*A) to avoid Minimum Balance Fee $10 or See (*A) to avoid Minimum Balance Fee $8 or See (*A) to avoid Minimum Balance Fee Non-applicable $2.50 or See (*A) to avoid Minimum Balance Fee
Maintenance Fee
$10 or See (*B) to avoid Maintenance Fee Non-applicable Non-applicable Non-applicable Non-applicable Non-applicable
Compounded and Credited Interest
Non-applicable Monthly Monthly Non-applicable Non-applicable Monthly
Transfer Limits
Non-applicable Yes - See (*C) Non-applicable Non-applicable Non-applicable Non-applicable
Monthly Statement
By Postal Service or E-Statement By Postal Service or E-Statement By Postal Service or E-Statement By Postal Service or E-Statement By Postal Service or E-Statement By Postal Service or E-Statement
Online Banking and Telephone Banking
Available Available Available Available Available Available
Terms and Conditions:
APY = Annual Percentage Yield

(*A) A Minimum Balance Fee will be imposed every statement period if the daily balance in the account falls below the minimum daily balance any day of the statement period. Fees may reduce earnings.

(*B) A Maintenance Fee of $10.00 will be charged each statement period; however, fees may be avoided if a minimum daily balance of $5,000.00 is maintained in a related savings account, certificate of deposit or loan.

(*C) You may not make more than six (6) transfers and withdrawals from your account per statement period by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.
Excess Transaction Fee (over six items per statement period): $15 per item after six

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Health Savings Accounts (HSA)

Want to write a check for your family's qualified* medical and health expenses using money that earns interest, tax deferred with contributions that are excluded from income? Open a Health Savings Account (HSA) with the help of your customer service representative today. You must have a high deductible health plan to be eligible. In addition unused contributions carry from year to year, and your account is portable.

* Consult a tax advisor for a list of qualified medical expenses. For qualifying customers only.

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