MyMoney Checking

If we're like rubber and you're like glue, 4% of debit card purchases bounces back and sticks to you. That's because this free checking account pays you cash back just for making the same purchases you would make anyway.

So whether you're buying gas, groceries, or a massage (much deserved we're sure), you earn 4% cash back. There's no minimum balance to pay, but the tiered structure means the higher your balance, the more you can earn.

  • 4% cash back on debit card purchases*
  • No category restrictions on cash back purchases
  • No monthly service fee
  • No minimum balance requirement
  • Free online banking and bill pay
  • Free eStatements
  • Free mobile banking available
  • Overdraft protection
  • One free box of basic checks per year
  • No minimum deposit to open


Qualifying for the 4% cash back is easy. Simply do the following each monthly qualification cycle:

  • At least 12 debit card purchases of at least $5 post & clear
  • Access online banking at least once
  • Receive free eStatements
  • Have 1 direct deposit of at least $400 post and clear

Reward Tiers

Each cycle you meet the qualifications, you get 4% cash back on debit card purchases up to an amount based on your average daily balance.

*Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Transfers between Pioneer accounts do not count as qualifying ACH transactions. Minimum to open account is $0.

Average Daily Balance 4% Cash Back on Total Purchases Up To Maximum Cash Back Reward
$0 - $2,499.99 $100 $4
$2,500 - $4,999.99 $250 $10
$5,000 - $14,999.99 $500 $20
$15,000 and over $750 $30