Personal Checking

Health Savings Account – It’s a checking account.

Pay for your family’s medical and health expenses with money that earns interest, tax deferred with contributions that are excluded from income. If you are covered under a high deductible health plan, you would be eligible to open a Health Savings Account. This interest-bearing checking account has tiered rates and is used to pay qualified* health expenses. Unused contributions carry from year to year, and your account is portable.

Minimum Opening Balance = $10
Minimum Daily Balance to avoid Minimum Balance Fee = $1,000**
Minimum Balance Fee = $2.50
Minimum Balance to Obtain APY = 1st tier ($100); 2nd tier ($1,000); 3rd tier ($5,000)

APY = Annual Percentage Yield

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

** 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. Service charges may reduce earnings.

	Personal Value Plus Checking	Personal Money Market Checking	Personal NOW Checking	Personal Checking	Personal Free For All Checking
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
Earns Interest		Yes	Yes
Minimum Opening Balance	$10	$2,500	$750	$10	$0
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	$0
Minimum Balance Fee		$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
Maintenance Fee	$10 or See (*B) to avoid Maintenance Fee
Compounded and Credited Interest		Monthly	Monthly
Transfer Limits		Yes – See (*C)
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
Check Safekeeping	Free	Free	Free	Free	Free
Online Banking and Telephone Banking	Free	Free	Free	Free	Free
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. Service charges may reduce earnings. (*B) A Maintenance 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. (*C) You may not make more than six (6) transfers and withdrawals from your account per month 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 6 items per cycle): $15 per item

Additional Services & Products
	Personal Value Plus Checking	Personal Money Market Checking	Personal NOW Checking	Personal Checking	Personal Free For All Checking
Free Services & Products	– Personalized checks (1 box per order) – Blue safety wallets – Money orders	N/A	N/A	N/A	N/A
Direct Deposit	– Deposit your paycheck directly into your Pioneer Bank account for easy access to funds.
MasterCard® Credit Card	– Includes ScoreCard™ CashBack Incentive program. – For qualifying customers only
ATM/Debit Card	– No Annual Fee – Includes monitoring system to help guard debit cards against fraudulent activity.
Overdraft Protection	– No Annual Fee – For qualifying customers only
Online Banking	– Free 24-hour account access. – View daily balances and your latest transactions.
E-Statements	– Choose to change one or all of your statements to E-Statements. – Enroll in minutes from the “Electronic Statement” menu tab in your Online Banking account. Go to E-Statements for more details.
Bill Pay	– Free 24-hour Bill Pay service. – Make online payments to anyone & save with Bill Pay. – Requirements: Free Online Banking and a Pioneer Bank personal checking account
Telephone Banking	– Free 24-hour account access to hear your daily balances and transactions. – Transfer funds between your Pioneer Bank accounts. – Make loan payments.
Personalized Checks	– Price varies according to style and quantity.