Pioneer Bank, National Association

Headquarters: Albany, New York
Charter: Bank
Assets: $2.3B
Fed district: New York

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6.48, the middle of its prices
Pioneer Bank, National Association: $3 to $9.95
Pioneer Bank, National Association: $3 to $9.95
U.S. median: no median
Overdraft (OD)
Pioneer Bank, National Association: $30
Pioneer Bank, National Association: $30
U.S. median: no median
NSF / Returned Item
Pioneer Bank, National Association: $30
Pioneer Bank, National Association: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Pioneer Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$3
per month
Monthly service charge$9.95
per month
Account Statement Reconciliation - per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Item Paid utilizing Overdraft Privilege (ODP) - per item$30
per item
Item Presented against Insufficient Funds (NSF) - per item$30
per item

ATM & Card

Withdrawals on a Pioneer account at a non-Pioneer ATM/Point-of-Banking (POB)$1
Debit Card - MyCard Image - new, re-issued, or replacement - per card$9.95
per item
Check Card or ATM card expedited delivery - per item$35
per item

Wire Transfers

Wire Transfers (Domestic Outgoing) - per transfer$25
per item
Wire Transfers (Domestic Incoming) - per transfer$10
per item
Wire Transfers (International Outgoing) - per transfer$40
per item
Wire Transfers (International Incoming) - per transfer$20
per item

Check Services

Teller Check (purchased for less than $1000.00) - per check$3
per item
Money Order - per check$3
per item
Stop Payment - per item$30
per item
Counter Checks - per item$0.25
per item
Bank Document photocopies - per item$3
per item

Digital & Electronic

CD of bill payment activity initiated via Bill Pay - per CD$25
Not compared: CD/IRA fee
Expedited Payments initiated via Bill Pay- electronic - per item$5
Not compared: Per-item charge, not monthly
per item
Expedited Payments initiated via Bill Pay- overnight check - per item$25
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Coin Machine Fee10%
Cash Advance$3
Night Depository Bag rental - per bag$3
per item

Account Services

Safe Deposit Box - 1 key lost$10
Not compared: Box drilling or key fee
Safe Deposit Box- 2 keys lost$150
Not compared: Box drilling or key fee
Legal Processing: subpoena, court order, restraint, levy, etc - per item$100
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$3	per month	None
Monthly service charge	$9.95	per month	None
Account Statement Reconciliation - per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Item Paid utilizing Overdraft Privilege (ODP) - per item	$30	per item	None
Item Presented against Insufficient Funds (NSF) - per item	$30	per item	None
ATM & Card
Withdrawals on a Pioneer account at a non-Pioneer ATM/Point-of-Banking (POB)	$1	Not stated	None
Debit Card - MyCard Image - new, re-issued, or replacement - per card	$9.95	per item	None
Check Card or ATM card expedited delivery - per item	$35	per item	None
Wire Transfers
Wire Transfers (Domestic Outgoing) - per transfer	$25	per item	None
Wire Transfers (Domestic Incoming) - per transfer	$10	per item	None
Wire Transfers (International Outgoing) - per transfer	$40	per item	None
Wire Transfers (International Incoming) - per transfer	$20	per item	None
Check Services
Teller Check (purchased for less than $1000.00) - per check	$3	per item	None
Money Order - per check	$3	per item	None
Stop Payment - per item	$30	per item	None
Counter Checks - per item	$0.25	per item	None
Bank Document photocopies - per item	$3	per item	None
Digital & Electronic
CD of bill payment activity initiated via Bill Pay - per CD	$25Not compared: CD/IRA fee	Not stated	None
Expedited Payments initiated via Bill Pay- electronic - per item	$5Not compared: Per-item charge, not monthly	per item	None
Expedited Payments initiated via Bill Pay- overnight check - per item	$25Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Coin Machine Fee	10%	Not stated	None
Cash Advance	$3	Not stated	None
Night Depository Bag rental - per bag	$3	per item	None
Account Services
Safe Deposit Box - 1 key lost	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box- 2 keys lost	$150Not compared: Box drilling or key fee	Not stated	None
Legal Processing: subpoena, court order, restraint, levy, etc - per item	$100	per item	None

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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