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Routing # 211885946

Checking

Free Checking just got better!

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Start Earning Rewards Today!

Get paid to shop when you use your Pioneer Valley Credit Union Debit Card.

Our Rewards Checking Program offers great choices, excellent benefits and more of what you want on your own terms.

  • Earn cash in your Pioneer Valley Credit Union Checking Account
  • Get ATM Fee Rebates
  • Choose to get Rewarded with Cash or Interest

Learn more
about each account below or:

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Using your card is easier than ever with our Touchless Payment solutions.

 

Earn What's Yours

We pay you a .10₵ cash reward on each PIN/Signature Debit Card transaction in the amount of $10.00 or more. 

 

ATM Fee Rebates

There will be no charge from Pioneer Valley Credit Union for using foreign ATMs. Get ATM Rebates of foreign ATM fees with the Pioneer Valley Credit Union Cash Back Checking Rewards Account of up to $10.00 as long as the rewards criteria are met.

 

Cash Back Rewards Checking

You must meet certain requirements below to continue earning rewards.

  1. A minimum of 12 PIN/Signature Debit Card Point of Sale transactions (in any amount) must post to the account during the Reward Period.*
  2. ATM transactions do not count for required transactions to receive cash rewards. 
  3. You can either use your physical Debit Card or the mobile wallet feature on your mobile device to use Apple Pay® or Samsung Pay® to pay for everyday purchases.
  4. eStatement setup is required (Online Banking is needed to view eStatements)
  5. Minimum of one Direct Deposit is required (an automatic withdrawal will be accepted if direct deposit is unavailable)

Your complete Cash Rewards Checking Account package includes all of the amenities of the Pioneer Package Checking plus you get paid cash!

Open your Cash Back Rewards Checking. To start, click the button below.

  • Select the type of account, your eligibility, and required information.
  • Scroll down to "Available Products" and click "Checking" to select the additional ways you can earn with us!

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*Reward Period
The reward period is the last business day of the previous month through the day before the last business day of the current month.

For Cash Rewards Checking, during each statement period you must: (a) have at least one Direct Deposit or ACH transfer to your account, (b) sign-up for eStatements through online banking, and (c) have a minimum of twelve Pioneer Valley Federal Credit Union MasterCard® Debit Card point-of-sale transactions or Signature (Non-PIN/Non-ATM Qualifying Transactions) post to your account during the Reward Period.

Apple Pay® is a registered trademark of Apple, Inc. Samsung Pay® is a registered trademark of Samsung. 

Click here for the Cash Rewards Checking Account Disclosure

 

Earn a Higher Rate of Interest on Your Money

Make your money do the work.

 

Earn a Better Rate

A premium interest rate of .15% APY** will be paid on balances up to $25,000. Balances over $25,000 will earn .10% APY**.

 

ATM Fee Rebates

There will be no charge from Pioneer Valley Credit Union for using foreign ATMs. Get ATM Rebates of foreign ATM fees with the Pioneer Valley Credit Union Investor Checking Rewards Account of up to $25 as long as the rewards criteria are met.

 

Investor Rewards Checking

You must meet certain requirements below to continue earning rewards.

  • A minimum of 12 PIN/Signature Debit Card Point of Sale transactions (in any amount) must post to the account during the Reward Period.*
  • ATM transactions do not count for required transactions to receive cash rewards.
  •  You can either use your physical Debit Card or the mobile wallet feature on your mobile device to use Apple Pay® or Samsung Pay® to pay for everyday purchases.
  • eStatement setup is required (Online Banking is needed to view eStatements)
  • One Direct Deposit is required (an automatic withdrawal will be accepted if direct deposit is unavailable)

Your complete Investor Rewards Checking Account package includes all of the amenities of the Pioneer Package Checking plus you get paid a great rate!

Open your Investor Rewards Checking. To start, click the button below.

  • Select the type of account, your eligibility, and required information.
  • Scroll down to "Available Products" and click "Checking" to select the additional ways you can earn with us!

Open an account

Switch Today

*Reward Period
The reward period is the last business day of the previous month through the day before the last business day of the current month.

**APY is Annual Percentage Yield

Apple Pay® is a registered trademark of Apple, Inc. Samsung Pay® is a registered trademark of Samsung.

Click here for the Investor Rewards Checking Account Disclosure

 

Pioneer Free Checking

Pioneer Free Checking is Pioneer Valley Credit Union's classic Free Checking Account

The complete package comes with the benefits and perks of:

  • Free Checks for Life
  • Free Online Banking
  • Free Online Bill Pay
  • Free eStatement
  • Free View of your Processed Checks Online
  • No Minimum Balance Requirements
  • No Monthly Fees
  • 24 Hour Phone-A-Teller Transactions
  • Simple Online Check Reorder
  • Overdraft Line of Credit
  • Merit Privilege Pay

Open your Investor Rewards Checking. To start, click the button below.

  • Select the type of account, your eligibility, and required information.
  • Scroll down to "Available Products" and click "Checking" to select the additional ways you can earn with us!

Open an Account

Switch TODAY

Click here for the Pioneer Package Checking Account Disclosure

 

Business Checking Accounts

Free, simple and convenient.

Your Complete Business Checking Package Includes:

  • No Monthly Service Fees
  • No Minimum Balance Requirements
  • No Transaction or Check Processing Fees 
  • Free First Order of Checks

Speak to a representative today about opening a Business Checking Account with Pioneer Valley Credit Union, today!

Contact Us

 

Merit Privilege Pay

Merit Privilege Pay gives you peace of mind.

Merit Privilege Pay Overview:

  • Covers ATM Withdrawals and Debit/Check Card Transactions
  • Up to $1,000 of Coverage
  • $29 Fee is Charged for Each Overdraft*
  • Members must Opt In to receive coverage on ATM and Debit Card Transactions

If you do not Opt-In to receive Merit Privilege Pay we will not be able to cover mishaps which may occur at the store, gas station, ATM or anywhere else you may swipe your MasterCard Debit Card.

 Learn More

*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days. Merit Privilege Pay will be deactivated for overdrawn balances and the time period by which the member must repay or cover any overdraft is 45 consecutive days unpaid. We will not pay overdrafts on your ATM and everyday debit card transactions unless you ask us. If you do not ask us, the transaction will not be paid. Categories of transactions for which a fee for paying an overdraft may be imposed include ATM withdrawals and debit/check transactions up to $1,000.

Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.

 

Overdraft Protection Options

Don’t worry, we’ve got you covered.

Pioneer Valley Credit Union offers many Overdraft Protection Options for our members for those unexpected moments.

  • Merit Privilege Pay*
  • Overdraft Line of Credit
  • Automatic Transfer
  • Loan Programs

Learn More

*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days.

Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.