Cash Management Solutions

Streamline your operations and safeguard your business from fraud
Pioneer offers multiple options to increase the efficiency of your business operations and reduce the administrative burden on your staff. Enhanced security also means that your funds are better protected against fraud and unauthorized transactions.  

To inquire about the following features, please contact our Cash Management team at 518.730.3250 or talk to a Branch Manager today.

Collect funds directly from your clients or make your own payments through the nationwide electronic payment network. Accessible directly through your Online Banking log on, it’s the most flexible option for handling most any electronic transaction.

Save time and conveniently deposit checks remotely from your place of business with a bank provided scanning device. Plus, we'll come to you to install the machine and provide on-site training, partnered with ongoing customer support.
Move money quickly and securely across the country or around the globe. Access the fastest way to send money globally right through your Online Banking portal.
Maximize your balances and automatically move your excess funds to an account that earns more interest.
Level up your business cash flow and use funds for anything from covering expenses to paying down on your line of credit.
Accessible through our Online Banking platform, easily import issued items with the ability to reconcile outstanding items on a daily basis. Receive daily notification of items presented that were not issued, with opportunity to decision those items to pay or return.
A fraud management tool that allows you to keep your funds safe and avoid unwanted transactions. Debit Block allows transactions from specific payees only. All others will not be authorized to debit their account, they will be ‘blocked’.
Ensure the security of your outgoing transactions with a verification code received via text or phone call.
Feel at ease with advanced security on your account by using Pioneer’s Multi-Factor Watch List. This tool enables digital two-factor authentication upon every login to your account, regardless of transaction. Every time you access your Online Banking services, an automated text or call will confirm your credentials, providing comprehensive oversight.
Put in place an additional barrier against fraud with a physical security token. This device ensures all transactions in which funds are withdrawn from a Pioneer account are confirmed via two-factor authentication.

Add an extra layer of security and reduce the risk of fraudulent activity by requiring two authorized individuals to approve certain transactions prior to the release of funds.
Take the worry out of employee payroll and taxes
Payroll represents a significant piece of most businesses' financial picture, making it important to have a trusted and reliable provider. Pioneer offers payroll services through a partnership with GTM Payroll Services, a local provider for all of your business payroll and payroll tax needs.

Offering a full spectrum of payroll support:
  • Employee Payroll Service and Taxes
  • Workers' Compensation/Disability Coverage
  • Business HR Services and HCM Solutions
Disclosure Statement: GTM Payroll Services is not an affiliate of Pioneer Bank, National Association or Pioneer Commercial Bank.  View their Privacy Disclosure. 
Payment processing solutions for every business need
The success of your business depends on the transaction. Simplifying the payment process for your customers and ensuring security and low cost for your business is essential. With Pioneer's merchant services (in partnership with third-party vendors), you can offer credit card convenience with fast, reliable processing, and robust reporting.

Merchant service options:
  • Card Processing Services: capabilities for credit, debit, Electronic Benefits Transfer (EBT), gift and purchasing cards for all major card types and technologies - with quick connections and continuous service. You will also have access to the gross amount of all transactions deposited into your business checking account in as little as 24 hours.
  • Point of Sale (POS) Equipment and Service: Options to meet all of your terminal support needs, including new deployments or conversions, hardware, supplies and emergency replacements.
  • Reporting Services: Web-based reporting capabilities, online merchant statements, special alerts for retrieval requests and chargebacks.
  • Check Solutions to meet every need: One of the industry's best check acceptance programs, with world-class service and support.
  • Extensive product line provides turnkey solutions for quick, easy integration with low initial startup cost.







 
*Application process required. Automated Clearing House (ACH) Services, Wire Transfers, and Remote Deposit Capture subject to approval. Remote Deposit Capture requires Pioneer Online Banking.