Pioneer Appalachia Federal Credit Union
Welcome to Pioneer. Let’s get you set up.
Your membership is active and ready to go. Use this quick guide to set up your digital tools, move your everyday banking to Pioneer, and make the most of your membership from day one.
Your first Five wins
- Enroll in online banking
- Download and open the mobile app
- Turn on e-Statements
- Set up direct deposit
- Check your credit with SavvyMoney
Quick actions
The essentials to get moving
These are the main actions most new members complete first to make Pioneer part of their everyday banking.
Products & services
More than a place to bank
Your Pioneer membership gives you access to products and tools built to support everyday banking, borrowing, saving, and long-term financial goals.
Rewards + no annual fee
Perks Credit Card
Earn rewards on everyday purchases with a card built for daily use.
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Low rates available
Auto Loans
Competitive rates and local decisions for the road ahead.
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Purchase or refinance
Mortgage Options
Home loan solutions designed to fit your budget and timeline.
Click to explore
Built for young savers
Smart Start for Teens
Tools to help teens build strong financial habits with family support.
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Guaranteed growth option
Share Certificates
A simple way to earn more on savings with a fixed return.
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Bank anytime
Digital Banking Tools
Mobile deposit, transfers, budgeting, alerts, and account access in one place.
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Getting started
Your Pioneer setup guide
Follow these steps to get connected, stay organized, and make the most of the tools available through your Pioneer membership.
01
Create Your Online Banking Account
- Enroll in Online Banking if you haven't already.
- Open the Pioneer website or mobile app.
- Select Login, then choose Enroll.
- Enter your member number or SSN
- Follow the prompts to create your login.
02
Set Up Mobile Banking
- Download the Pioneer Appalachia FCU mobile app.
- Log in using your online banking credentials.
- Personalize your profile and settings.
03
Opt In for e-Statements
- In online banking or the mobile app, open e-Statements.
- Confirm your contact details and accept the terms.
- Get notified electronically each month and avoid paper statement fees.
04
Link External Accounts
- In the app tap the menu icon (☰).
- Select Accounts then Link External Accounts.
- Follow the prompts to connect other bank accounts for easier transfers and management.
05
Activate Your Debit or Credit Card
- Call the activation number included with your card.
- Set your PIN during activation.
- If no activation number is listed, tap the menu icon (☰), select support, and get assistance there.
- If you have a Pioneer Perks card, register it at uchooserewards.com to begin earning points.
06
Set Up Direct Deposit
- Complete the direct deposit form from Pioneer, which is found at the top of this page.
- Complete it with your account information and provide it to your employer.
- Confirm the first deposit posts successfully.
07
Enroll in Bill Pay
- Go to Payments or Bill Pay in online banking.
- Select Pay a Bill and choose Enroll.
- Add your payees and schedule payments.
- Bill Pay is available through your Pioneer checking account.
08
Use Budgeting & Credit Tracking Tools
- Open the Spending Habits area in the app.
- Create budgets and set spending limits.
- Monitor your credit score and insights with SavvyMoney.
- Track purchases, cash flow, and your overall financial picture in one place.
Make Pioneer your Primary Financial Institution
A stronger membership starts with everyday use.
The more you use Pioneer for everyday banking, the more value you unlock — including exclusive loan discounts and member benefits.
1% Rate Discount
Qualify with direct deposit and active checking.
$500 Closing Credit
Available on qualifying Pioneer mortgages.
300,000+ ATMs
Fee-free access nationwide.
Higher CD Rates
Exclusive pricing for PFI members.
Need help?
We’re here when you need us.
Whether you need help setting up your account, moving your direct deposit, or using a feature in the app, Pioneer is ready to help.
Website: www.pioneerafcu.org
Email: contactus@pioneerafcu.org
Support: Visit a branch or reach out for personalized help.