Fraud and Security Fraud and Security

How Pinnacle Protects You

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How Secure are My Accounts?

Pinnacle places the highest importance on protecting our clients’ funds and information.

To do this, we use a combination of cutting-edge technology and specialized associates to monitor and protect your accounts.

Consumer accounts
Here are some of the ways we protect you:

  • Secure websites – All logins to your Pinnacle accounts from are protected by Secure Socket Layer (SSL) technology – as indicated by the “s” in “” This technology ensures that all data (including login name, password and account data) is encrypted before being transmitted across the public internet.
  • Additional online banking security – If an unrecognized device attempts to log in to your accounts, Pinnacle’s online banking system will present additional challenge questions chosen at the time you established online banking access.
  • Fraud monitoring – Pinnacle’s ID Theft team proactively monitors client transactions and looks for patterns of behavior that seem out of place with your normal activity. When potential fraud is detected by Pinnacle, someone – often your financial advisor or financial advisor assistant – will contact you to confirm the activity. We will never contact you and ask you to provide sensitive information about yourself or your account.

Business accounts
In addition to the details above, here is another layer of protection for business accounts:

  • Dual authentication – Pinnacle clients who use ACH and wire transfer are required to enter a unique ID number provided by a digital security token when conducting transactions. Combining two forms of authentication adds a significant amount of protection to your accounts.

Technology can be a great tool to preventing fraud, but remember that the best way to stay safe is to be a hard target:

  • Use strong passwords
  • Don’t share your confidential information

Tips on Reporting Fraud

How to Report Identity Theft

Read this for steps you should take immediately.

Report a Lost or Stolen Debit/Credit Card

If you believe your Pinnacle debit or credit card is lost or stolen, call us immediately.

Finding a Legitimate ID Theft Protection Service

Depending on the services you want, you should be able to discover an option that fits your needs and your budget.


Protecting your Privacy

Federal law gives consumers the right to limit some of how your personal information is shared. See how Pinnacle protects your personal data.

Stop Email Fraud

Pinnacle developed a list of the Super Six questions you can ask yourself to help determine the legitimacy of any email.

Trusteer Rapport

We have teamed up with IBM to offer Trusteer Rapport—a leading provider of online fraud protection software. Find out how it delivers an extra layer of security.