Business Deposit & Operating Accounts

Financial products for the success of your business.

As a local bank, Pioneer understands the unique needs of our business community. We've developed a comprehensive offering of commercial and small business accounts designed to grow with your business, and our dedicated team of business banking experts are always available to offer guidance and support.

Pioneer has built our reputation on outstanding relationships with each of our clients, and we understand that your success is our success. When you choose Pioneer, you're not just getting a bank account; you're building a relationship with a trusted, local organization that is committed to helping you prosper.

Business Basic Checking Features:
  • $100 minimum opening deposit required
  • $10 monthly fee
    • First 2 statement cycles are free if the service charge waiver limits are not met
    • To waive the monthly fee, maintain an average monthly Business Basic Checking relationship balance of $2,500, or maintain a business loan1 of $25,000 or more
  • 100 transaction limit per month
    • $0.25/transaction over transaction limit
  • Complete Account Features
  • Free Instant Issue Business Debit Card
You must be registered to use Pioneer Online Banking & Bill Pay. Sign up for Online Banking & Bill Pay here(Opens in a new Window).

1 -If using a business line of credit (excludes business checking line of credit) to waive fee, the current outstanding balance will be used to calculate total.
Business Analyzed Checking Features:
  • $5 minimum opening deposit required
  • $20 monthly fee
    • First 2 statement cycles are free
  • No monthly transaction limit
  • Complete Account Features
Additional Benefits:
  • Up to 3 free Personal Signature Banking accounts with Pioneer Perks ($21/month value)
  • No annual fee on Business Checking Overdraft Line of Credit (up to $150 value)
  • Free Instant Issue Business Debit Card
You must be registered to use Pioneer Online Banking & Bill Pay. Sign up for Online Banking & Bill Pay here(Opens in a new Window).
Business Premier Features:

  • $5 minimum opening deposit required
  • $20 monthly service charge
    • First two statement cycles are free if the service charge waiver limits are not met
    • Maintain an average monthly Business Premier Checking relationship balance between all accounts of $7,500 or maintain a business loan of $25,000 or more to avoid a service charge.1
  • Up to 500 transactions per month
    • $0.25 per transaction fee over transaction limit
  • Complete Account Features
Additional Benefits2:
  • 3 Fee Rebates for Stop Payment Requests each month (up to $105/month value)
  • Up to 3 free Personal Signature Banking accounts with Pioneer Perks ($21/month value)
  • No annual fee on Business Checking Overdraft Line of Credit (up to $150 value)
  • Free Instant Issue Business Debit Card
  • Discounted outgoing wire transfer fees, if initiated via Online Banking (domestic $15, and international $30)
  • Access to Mobile Wallets
You must be registered to use Pioneer Online Banking & Bill Pay. Sign up for Online Banking & Bill Pay here(Opens in a new Window).

1. If using a business line of credit (excludes business checking line of credit) to waive the fee, the current outstanding balance will be used to calculate the total.
2. Eligibility requirements must be met to qualify for some benefits.
Earn interest and maintain easy access to balances.

Earn a high yield and maximize your return on excess balances with a Business Money Market account from Pioneer. Business Money Market accounts let you maintain easy access to funds and earn interest, too.

Pioneer's Business Money Market account features:
  • Competitive interest rates
  • Low minimum opening requirements
  • No service charge when you maintain a minimum balance
The deposit vehicle with flexible terms and interest options.

Find the CD that's right for your business. Pioneer offers a variety of terms and interest rate options to fit your needs. Through the Certificate of Deposit Account Registry Service (CDARS®), funds are FDIC-insured up to $50,000,000. Business CDs offer the flexibility to manage your money your way.
The deposit account option that earns money while you sleep.

Sweep accounts are a cash management tool that helps businesses take advantage of higher interest rates to earn more with their savings. Here's how it works: Funds above a target balance are swept into an overnight repository where the balance earns rates typically above normal deposit accounts. This product is intended to work in conjunction with large balance accounts.