Pioneer Bank
 
 

 

Personal Savings Accounts & Certificates of Deposit

  Personal Value Plus Savings
Personal Statement Savings Youth Savings Christmas Club Savings
Your Goal
Earn interest without an early withdrawal penalty Start with a basic savings Teach your child the importance of saving for the future Save for the holidays all year
Earns Interest
Yes Yes Yes Yes - See (*C)
Minimum Opening Balance
$5,000 $10 $20 $10
Minimum Daily Balance
$5,000 to avoid Minimum Balance Fee;
$0 to obtain APY
$200 to avoid Minimum Balance Fee;
$100 to obtain APY
$20 to avoid Minimum Balance Fee;
$100 to obtain APY
$0 to obtain APY
Minimum Balance Fee
$10 or See (*A) to avoid Minimum Balance Fee $5 or See (*A) to avoid Minimum Balance Fee $3 or See (*A) to avoid Minimum Balance Fee Non-applicable
Compounded and Credited Interest
Monthly Monthly Monthly - Compounded annually
- Credited annually
Transfer Limits
Yes - See (*B) Yes - See (*B) Yes - See (*B) Non-applicable
Monthly Statement
By Postal Service or
E-Statement
By Postal Service or
E-Statement
Quarterly By Postal Service or E-Statement - See (*D) By Postal Service or
E-Statement
Online Banking and Telephone Banking
Available Available Available Available
Terms and Conditions:
APY = Annual Percentage Yield

(All Savings Accounts) There may be no payment of accrued interest if, at time of closing, accrued interest is less than $5.

(*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) 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

(*C) If the account is closed before interest is credited, no accrued interest is paid.

(*D) In the statement period the minor becomes 18 years old, the account will convert to a Personal Statement Savings Account and will follow the terms and conditions of that account type.

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Certificates of Deposit

Various rates and terms available. Call 1-800-326-4424 for rate quotes.

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