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Government Banking

Pioneer Commercial Bank

As part of our commitment to serving the Capital Region's local communities, Pioneer Commercial Bank offers a full array of advanced, leading edge banking products for government and municipal organizations. Pioneer Commercial Bank's government bankers have deep local knowledge and experience in serving the municipalities of the greater Capital Region. We put our customers first, not some out-of-town investors.

Pioneer Commercial Bank is a wholly owned subsidiary of Pioneer Bank.

Checking

Pioneer Commercial Bank offers Full-feature checking with secure online tools

Whether you process a few checks a year or a few thousand, Pioneer Commercial Bank offers a checking solution to meet your needs. You get check and deposit processing along with the ability to view canceled checks online. Pioneer Commercial Bank's municipal banking services provide compliance with the NYS Comptroller's Office guidelines, ensuring that public deposits are secured above FDIC coverage.

Use our Pioneer online banking platform, to manage your organization's accounts right from your computer. Our Online Banking solutions provide a user-friendly, secure solution with unique user IDs that allow you to assign privileges, access approval status and track account activity.

Pioneer Commercial Bank also offers positive pay services to help you guard against check fraud. It's another way Pioneer Commercial Bank helps municipalities save time and money, while protecting against fraud.

Learn about our municipal checking options:
  • Checking for all levels of transactions
  • Unlimited checks and deposit processing included
  • Pioneer Online Banking

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Money Market

The practical deposit vehicle for municipalities, brought to you by Pioneer Commercial Bank

Pioneer Commercial Bank's Municipal Money Market Deposit Account helps government organizations optimize interest revenue with a fully secured deposit. Our Municipal Money Market Account offers competitive short term interest rates, while maintaining easy access to funds. Use our secure Online Banking platform to transfer funds between your Money Market and Checking accounts for an effective cash management solution. Put your balances to work with our Municipal Money Market Deposit Account.

All municipal deposits are secured in compliance with the requirements of the Office of the State Comptroller.

Pioneer's Money Market deposit account features:

• Competitive rates for increased interest revenue
• Minimum opening balance requirements as low as $5.00
• Convenient cash management with Online Banking

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Online Banking & Bill Pay

The secure, simple way to manage municipal accounts:
  • Make transactions, view balances and track activity for all accounts
  • View electronic images of checks and statements
  • Transfer funds between accounts and institutions.
  • Assign privileges, set approval status and track activity
  • Initiate Automated Clearing House (ACH) transactions for payments, transfers, taxes, and payroll
  • View and schedule recurring payments with just a few clicks
  • Download transaction activity into accounting software with the click of a button

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PCB Link Application with Terms & Conditions

Borrowing & Loans

Local expertise for Capital Region municipalities

When it comes to municipal borrowings for capital purchases, for government projects, construction and community improvements, Pioneer Bank can help. We've served local government and municipalities for many years, and remain committed to offering highly competitive rates and terms that will meet the needs of our customers.

Pioneer Bank's government bankers have deep local knowledge and experience in serving the municipalities of the greater Capital Region. As a mutual bank, we put our customers first, not some out-of-town investors.

Think of Pioneer for all of your short-term financing needs:

• Bond anticipation notes
• Revenue anticipation notes
• Tax anticipation notes
• Statutory installment bonds

Our goal is to be your preferred financial partner. As such, we endeavor to provide our municipal clients with competitive rates and terms to best meet their needs. We'll gladly come to your office to discuss your upcoming needs and assist you in every phase of the loan process.

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Specialty Services

Pioneer Commercial Bank brings you secure, time-saving solutions to make your organization more efficient

Pioneer Commercial Bank offers a variety of specialty municipal services to help local government organizations save time and safeguard municipal monies.

Talk to us about these practical services:

• Remote Deposit Capture to deposit checks from the convenience of your office.
• Tax Collection Services to manage the receipt of taxes and other payments.
• Positive Pay Services to help you guard against check fraud.
• Automated Clearing House (ACH) Services for payments and payroll direct deposit

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Payroll Services

Take the worry out of employee payroll and taxes

Payroll represents a significant piece of most businesses' financial picture, making it important to have a trusted and reliable provider. Pioneer Bank 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:

At GTM, your privacy and security is our top priority. Due to the confidential nature of the services we perform, the cornerstone of our operating procedures is to manage and process your information with the strictest security and privacy possible.
Please be advised, that GTM has entered into a formal agreement with Pioneer Bank regarding disclosure of certain information you provide on the form below. To provide our customers with products or services that we believe may meet your needs, we may exchange such information with Pioneer Bank (under limited circumstances) to the extent permissible under law. The information shared will only be used to better serve the needs of our shared clients.

Please refer to GTM Privacy Statement for full disclosure of our privacy practices, the way your information is collected and how that information is used.

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External Link Disclaimer

Pioneer Bank has no control over information at any site hyperlinked to or from this Site. Pioneer Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Pioneer Bank of any information in any hyperlinked site. In no event shall Pioneer Bank be responsible for your use of a hyperlinked site.

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