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Routing # 324173383
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Reward U Checking

Open One Now!

Spending money can be easy. Earning money on your checking balance? That's easy, too! With Reward U Checking, you can earn 2.00% APY* on your average daily balance up to $10,000, and 0.25% APY on your average daily balance if your account exceeds $10,000. Let your checking account work for you. Stop by your local branch, call us at (208) 587-3304, or add a Reward U Checking Account online today!

Monthly Qualifications

  • 12 signature debit card transactions must post and clear from the checking account.
  • Must receive eStatements
  • Must have at least one (1) direct deposit or ACH deposit into the checking account of at least $100
  • ID Theft Protection must be on the account**
  • Must have a valid email on the account


  • 2.00% APY* paid on the average daily balance, up to $10,000
  • 0.25% APY* paid on the average daily balance on balances that exceed $10,000
  • Five (5) non-Pioneer ATM fee refunds up to $7.50

All requirements must be met each month in order for benefits to be earned.

More interested in earning a $10 refund for Amazon® and/or iTunes® purchases? Click here to learn about our "WOW" Checking!

Members as young as 14 years old can open a Reward U Checking Account with their parents/guardians as co-signers.

Personalize your Pioneer debit card now. Simply click here to get started, then pickup your card the same business day at any branch!

Account Features
Minimum Balance $0
Free Personalized Debit Card Yes
Free myPioneer Online Banking Yes
Free Mobile Banking Yes
Overdraft Line of Credit (OAC) Yes
Rewards! Earned on Purchases Yes
ATM Access with Debit Card Yes
Non-Pioneer ATM Fee Refunds 5 (up to $7.50)
Automatic Transfer of Funds to Loans Yes
Dividend Period Monthly
No Per Check Charges, Unlimited Check Writing Yes
Free 24-Hour Telephone Teller Access Yes
ID Theft Protection (Learn More) $1.99/Monthly**
ChangeForward Yes

*APY = Annual Percentage Yield. All rates are subject to change as a result of Board of Directors' action. Rates on variable accounts could change after account opening. Fees associated with this account could reduce earnings. See Service Charges & Fee Disclosure for current rates.

**All checking accounts are assessed a monthly service charge of $1.99 to cover valuable identity theft and fraud protection for all Pioneer members. To learn more about these services provided with your account, click here.