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August 29, 2014

Looking Forward, Reaching Higher...
Our philosophy is to look forward and embrace the positive changes made possible by innovations in technology. We have many products, including deposits, loans, and investments which can make the financial side of your life more convenient and profitable.

Online FAQs

Pioneer NetTeller Click here to Print All Questions & Answers

What is Pioneer NetTeller?
Q What is Pioneer NetTeller?
A

Pioneer NetTeller allows our customers a secure and convenient way to access their First Pioneer accounts via the Internet. And it’s FREE! Some of the features available through Pioneer NetTeller include:

  • Accessing current up-to-the-minute information about all of your accounts and view all transactions (including ATM and Debit Card transactions)
  • Transferring funds between eligible accounts
  • Retrieving statements for up to 90 days
  • Downloading transaction information into money management programs such as Microsoft Money or Quicken
Is there a fee for Pioneer NetTeller?
Q Is there a fee for Pioneer NetTeller?
A

NO! Pioneer NetTeller is FREE. All you have to do is complete an application that’s available online or at any First Pioneer facility.

How do I sign up for Pioneer NetTeller?
Q How do I sign up for Pioneer NetTeller?
A

Current First Pioneer customers can click here for a Pioneer NetTeller Application. Or if you prefer, pick one up at any First Pioneer facility. A one-time SIGNED application is required. Once your SIGNED application is received by the Bank, you should receive your Pioneer NetTeller ID by mail within 2-3 business days. Then you will receive your password in a separate mailing. Your identity safety is very important to us. We don’t want to jeopardize that by sending your User ID and password in the same mailing. If you have any questions, feel free to call any of our friendly staff at 970-332-4824 in Wray or 970-854-2227 in Holyoke during regular banking hours.

If you are NOT currently a First Pioneer customer, you may also obtain a deposit account application by completing an online application or by visiting one of our convenient locations.

Simply submit your application online or bring your application to the nearest First Pioneer facility to open your deposit account after which you can apply for Pioneer NetTeller. Once you receive your Pioneer NetTeller User ID and password, you can begin using the service.
How secure is Pioneer NetTeller?
Q How secure is Pioneer NetTeller?
A

State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted and access requires passwords that only you know. In addition, your account numbers and Social Security number are never displayed on the NetTeller system. However, if you feel your information has been jeopardized in any way, please contact any FPNB staff member at 970-332-4824 in Wray or 970-854-2227 in Holyoke during regular banking hours.

What do I need to get started using Pioneer NetTeller?
Q What do I need to get started using Pioneer NetTeller?
A

You need the following to get started banking online:

  • A personal computer
  • An active account with an Internet service provider
  • Internet browser software with 128 bit security encryption
  • An account with First Pioneer National Bank

You will also need to sign up for Pioneer NetTeller so that you will receive a User ID and password.

What kind of browser do I need and how do I know if mine has the right level of security and encryption for Pioneer NetTeller?
Q What kind of browser do I need and how do I know if mine has the right level of security and encryption for Pioneer NetTeller?
A

You will need a connection to the Internet and a Web Browser that supports 128 bit SSL encryption. Use the browser test link on our homepage, right below the Pioneer NetTeller login, to run a check on your current browser. Microsoft Explorer and Netscape Navigator versions 4.0 (or higher) as well as the new Firefox browser, support this type of encryption. You may contact these vendors for a free browser upgrade. Pioneer NetTeller works with all Windows and Macintosh operating systems that support the browsers listed above.

Why do I have to change my password to a minimum of 6 alpha-numeric characters?
Q Why do I have to change my password to a minimum of 6 alpha-numeric characters?
A

As a security measure for your protection, First Pioneer requires all Pioneer NetTeller users to update their passwords and make them at least a minimum of 6 alpha-numeric characters. You will be prompted every 90 days to make a password change.

What happens if I forget my password?
Q What happens if I forget my password?
A

You are allowed 3 attempts to enter the correct password before your account will be locked. If you cannot remember your password and/or you are locked out of the system, please call any FPNB employee at 970-332-4824 in Wray or 970-854-2227 in Holyoke during regular banking hours for assistance.

What happens if I open another account after I start using Pioneer NetTeller?
Q What happens if I open another account after I start using Pioneer NetTeller?
A

All you need to do is contact any FPNB staff member during regular business hours to have your new account added.

Why does it say that my account is locked? And what do I do now?
Q Why does it say that my account is locked? And what do I do now?
A

As a security measure and for your protection, accounts will lock for several reasons such as inactivity or the incorrect password being entered three times in a row. If you account is locked, please call any FPNB employee at 970-332-4824 in Wray or 970-854-2227 in Holyoke during regular business hours and, upon proper identification, we will be happy to unlock the account and reset the password. This is only for the security of our customers.

I’m having trouble logging into my Pioneer NetTeller account. What do I do?
Q I’m having trouble logging into my Pioneer NetTeller account. What do I do?
A

There may be several reasons you are experiencing difficulty logging into your Pioneer NetTeller session. If you complete the ID and password fields, and click “submit” and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete ONE of the following two options:

  • At the bottom right hand corner of your screen there should be a little red circle with a minus sign inside. Double click on this icon and a “Privacy Report” window should appear. On the “Privacy Report”, highlight the site address in the text area by clicking once on it, then click “Summary”. When the Privacy Policy window pops up, check the box at the bottom that states “Always allow this site to use cookies”. Click “OK” and close out of the privacy report.
  • If that does not seem to clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose “Tools” then “Internet Option.” On the “Internet Options” window, click on the tab labeled “Privacy”. On the Privacy window, there will be a section titled “Settings, and there will be a slider on the left hand side. Move the slider all the way down, until it says “Accept All Cookies.” Click “OK” and close out the window.

Pioneer Bill Pay Click here to Print All Questions & Answers

When and how are the payments processed?
Q When and how are the payments processed?
A

Payments submitted, recurring or one time, before 2:00 AM CST Monday-Friday will be processed at 2:00 AM CST. Payments submitted between 2:00 AM CST and Noon CST will be processed at 12 Noon CST. Payments received after 12 Noon on Monday-Thursday will be processed the next business day. Payments received after 12:00 Noon CST on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.

What happens if I have a scheduled payment that falls over a weekend or holiday?
Q What happens if I have a scheduled payment that falls over a weekend or holiday?
A

If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

Can I use Online Bill Payment if I live outside the U.S.?
Q Can I use Online Bill Payment if I live outside the U.S.?
A

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?
Q Can I get a copy of a cancelled check?
A

Yes. You will need to contact the bank for this information.

How long is history retained in the View Payment History section?
Q How long is history retained in the View Payment History section?
A

Payment history for active and deleted payees is retained and viewable for 19 months.

How far in advance should I set up a payment to ensure it is paid on time?
Q How far in advance should I set up a payment to ensure it is paid on time?
A

For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted. For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 2 AM CST processing. If the check payment is entered before 12 Noon CST, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

Are there minimum and maximum payment amounts?
Q Are there minimum and maximum payment amounts?
A

Electronic payments are validated against the available account balance prior to processing with a maximum limit of $500,000.00. Check payments maximum limit is $9,999,999.99.

Can I stop a payment?
Q Can I stop a payment?
A

Only check payments can be stopped after the check is printed and mailed. Payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Whom can I pay through Online Bill Payment?
Q Whom can I pay through Online Bill Payment?
A

You can pay ANYONE in the United States from the next-door neighbor, to the utilitiy company, to the bank, and even a child in college across the country.

What do the status fields indicate on the Payment History page?
Q What do the status fields indicate on the Payment History page?
A

Processed - The payment has been processed and sent.

Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if it's a recurring payment and it expires, or if you delete the payment.

Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run. Vendor Refund - Payment rejected at the electronic vendor.

How many payees may I have set up?
Q How many payees may I have set up?
A

There is no limit to the amount of payees you can set up through the Internet.

Can I edit Payee addressed?
Q Can I edit Payee addressed?
A

You may edit the address of a CHECK payee only.

How do I know if a payee is electronic or check?
Q How do I know if a payee is electronic or check?
A

Once you have set up the payee, then you can look at the PAYEE LIST and you will see a field that will tell you if the payee is electronic or check.

What payment frequencies are available?
Q What payment frequencies are available?
A

You can set up payments in any of the following frequencies: Weekly
Bi-weekly
Monthly
Semi-monthly
Quarterly
Annually
Semi-Annually

When can you edit the dollar amount on a scheduled recurring payment?
Q When can you edit the dollar amount on a scheduled recurring payment?
A

You may edit the dollar amount the next business day after the scheduled payment date.

Can I postdate recurring payments?
Q Can I postdate recurring payments?
A

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.

Can I postdate a single payment?
Q Can I postdate a single payment?
A

Yes. Just set the payment for a valid future date.

Will the memo field I fill out when setting up a payment be passed on to the payee?
Q Will the memo field I fill out when setting up a payment be passed on to the payee?
A

Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.

Are there any merchants that I cannot pay through the Bill Payment service?
Q Are there any merchants that I cannot pay through the Bill Payment service?
A

No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct ramittance address listed on your bill.

When will the money be taken out of my account?
Q When will the money be taken out of my account?
A

For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon CST. Electronic payments submitted after 12:00 Noon CST are debited the next day during bill pay processing.

CHECK payment funds are debited from the account when the check clears your account at the bank.

What if I do not have enough money in my account?
Q What if I do not have enough money in my account?
A

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

How late in the day can I enter, edit, or delete a payment?
Q How late in the day can I enter, edit, or delete a payment?
A

You may add, edit, or delete a payment up to 2:00 AM CST on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 AM CST and Noon CST it may be edited up until Noon CST.


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