Cash Management Solutions

Optimize your financial operations and safeguard from fraud
Pioneer has multiple cash management solutions available to enable local government organizations to increase efficiency and add additional safeguards to secure municipal funds. 

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

Allows you to originate ACH payments for payroll direct deposit, tax payments, vendor, and other payments. Our ACH service provides for multi-level authentication, dual control, and specific permissions by users. ACH debit block gives you the option to authorize debits for approved originators and amounts, or provide for total ACH debit block.
To help you alleviate your administrative burden and expense, Pioneer may be able to assist you by accepting and processing tax and other payments at a Pioneer Branch. 

(Subject to branch availability)
Provides for the efficient and timely deposit of checks from the convenience of your office. Make check deposits up to 5pm for same-day credit.
Provide Pioneer with your check issuance information, and we’ll report to you any incoming checks that don’t match. This service helps prevent fraud, as any unauthorized checks can be returned, based upon your instructions.
Often used in conjunction with Positive Pay, this service helps you to easily reconcile accounts. You provide your check issuance information, and we provide you with reports on your outstanding and reconciled checks.
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.
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.
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. 
The success of your organization depends on the transaction. Simplifying the payment process for your customers and ensuring security and low cost for your organization 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.