Pandemic Response and Resources

Pandemic Response and Resources

Here for You

As a Pinnacle client and neighbor, you can depend on us in your time of need. The COVID-19 pandemic is one of the greatest times of need many of us have seen in our lifetimes. In addition to the public health crisis, people and businesses everywhere—both large and small—have been quickly hit by the economic effects.

On this page, you’ll find the latest updates on Pinnacle’s response and how we’re working to make sure you can still do the business you need. You’ll also find resources and advice on how to navigate these uncharted waters with your personal and business finances. We’ve listed all the ways you can stay connected with Pinnacle and your local office even when you’re staying at home.

Use the tabs across the top of this page to navigate between these sections.

We always consider clients to be our friends and family, and that’s never more true than when you need us most. It’s unclear how long this crisis will last, and we will always be here for you and support you for the long haul.

That starts with relief and recovery resources available to help you get through this difficult time and do business again once it’s over.

Whether you are a small business, commercial or personal banking client, let us know what you need.

Have you lost your job as a result of the pandemic? Has your business slowed to a crawl? Is your cash flow drying up? Did you have to shut your company down? Whatever is disrupting your finances, we want to help.

  • Call your financial advisor or local office to talk over the issues. It’s possible you may have already heard from them.
  • If you’re not sure who to talk with, call our Client Service Center. We’ll document your situation, and someone will get back to you as soon as possible.
    • Tennessee – 800-264-3613
    • Carolinas & Virginia – 800-262-7175

Latest Updates

We continue to closely follow the daily developments of the COVID-19 pandemic. The health and safety of our clients and associates is our No. 1 priority. During this challenging time, we are here to support you however we can, whether you are impacted directly or through the volatility of the financial markets.

Our response team has been mobilized, and we taking the actions needed to offer that support. Our plans allow us to continue to deliver the service, advice and partnership our clients expect.

We are finding ways to accommodate our high risk associates, social distancing requirements from local and state mandates and child care needs that arise from extended school closures. That means some of our offices are experiencing much lower staffing levels than normal.

For those reasons, the following offices will be temporarily closed until further notice.

  • Memphis, TN
    • Union Avenue
      The next closest office is:
      • Poplar / Oak Court
        4445 Poplar Ave
        Memphis, TN 38117
        901-309-4960
  • Central North Carolina
    • High Point Eastchester
      The next closest office is:
      • High Point Penny Road
        2630 Eastchester Drive
        High Point, NC 27265
        336-869-0100
    • Winston-Salem Peace Haven
      The next closest office is:
      • Winston-Salem Stratford Road
        215 Harvey Street
        Winston-Salem, NC 27103
        336-907-4650
    • Greensboro Irving Park
      The next closest offices are:
      • Greensboro Green Valley
        707 Green Valley Road
        Greensboro, NC 27408
        336-323-0700 
      • Greensboro New Garden Road
        1431 New Garden Road
        Greensboro, NC 27410
        336-881-3955
  • South Carolina Coast
    • Charleston Meeting Street
      The next closest office is:
      • James Island
        329 Folly Road
        Charleston, SC 29412
        843-735-5360

If you need to access your safe deposit box, please call the next closest offices listed above to make an appointment.


As of Wednesday, March 18, we will provide drive-thru service only at all of our locations, as recommended by the CDC social distancing guidance.

We have several offices that do not have a drive thru, but offer a drop box. We will take deposits through the drop box at those locations. Other locations nearby will be able to help if you have other needs.

Restricting our offices is an extraordinary step, but we are in an extraordinary situation. We believe this is the best way for us to continue giving you essential services while taking maximum precautions against the spread of the disease. For the latest updates on our response and how it affects our offices, keep checking this website.

Before visiting an office for drive thru service or a lobby appointment, please follow this guidance to ensure we can serve you best.

While the drive thru is capable of handling nearly all of your everyday banking needs, you may have needs that are best served by other methods. Here are some of the ways we can serve you during this time.

  • Online & Mobile Banking
    • Whether online or on a mobile device, much of your banking business can be done remotely, which is particularly important during this time of social distancing.
    • For information on meeting your personal banking needs online like deposits, transfers, bill payments and more, visit PNFP.com/OLB.
    • For information on meeting your business banking needs online like deposits payments, wires, ACH and more, visit PNFP.com/BusinessOLB.
  • Call Us
    • As always, we commit to answer the phone when our clients call. Simply contact your office or your advisor. There is a lot we can do over the phone and via email. Visit PNFP.com/Locations to find the phone number of an office near you.

      In addition, Pinnacle’s Client Service Centers are staffed 24/7 and ready to help with everyday banking needs and any other questions you have.
      • Tennessee – 800-264-3613
      • Carolinas & Virginia – 800-262-7175
      • Our Pinnacle Anytime automated system is available by calling 866-755-5428.
  • By Appointment
    • Sometimes you just need to sit down face to face with someone to conduct your business. If you need to schedule an essential meeting like a loan closing, account opening, access to your safe deposit box or other service, simply call your advisor or your nearest location.

Our response plan is built to progress to more serious measures we can consider if this situation escalates. Throughout the crisis, this page will have the latest updates on our response and how it affects our offices.

Stay Connected with Pinnacle

Things are changing daily, and your needs can’t wait. Though we’re all adjusting to do business a little differently, Pinnacle will always be here to help make it easier. Here are a few of the ways you can continue to do business.

  • Online & Mobile Banking
    • Whether online or on a mobile device, much of your banking business can be done remotely, which is particularly important during this time of social distancing.
    • For information on meeting your personal banking needs online like deposits, transfers, bill payments and more, visit PNFP.com/OLB.
    • For information on meeting your business banking needs online like deposits payments, wires, ACH and more, visit PNFP.com/BusinessOLB.
  • Call Us
    • As always, we commit to answer the phone when our clients call. Simply contact your office or your advisor. There is a lot we can do over the phone and via email. Visit PNFP.com/Locations to find the phone number of an office near you.

      In addition, Pinnacle’s Client Service Centers are staffed 24/7 and ready to help with everyday banking needs and any other questions you have.
      • Tennessee – 800-264-3613
      • Carolinas & Virginia – 800-262-7175
      • Our Pinnacle Anytime automated system is available by calling 866-755-5428.
  • Drive Thrus and Drop Boxes
    • Pinnacle office lobbies have closed, but the drive thrus and drop boxes are open for business and capable of handling nearly all of your everyday banking needs. When you arrive at an office, look for signage directing you where to go.
  • By Appointment
    • Sometimes you just need to sit down face to face with someone to conduct your business. If you need to schedule an urgent in-person meeting, call your advisor or your nearest location. Urgent in-person needs include:
      • Loan closings
      • Account openings (some of these can be handled online or by phone)
      • Notary services
      • Safe deposit box access
      • Mutually agreed upon meetings with your financial advisor
    • If you need to make an in-person appointment, call your office or advisor to talk it through and make arrangements. You can find the phone number at PNFP.com/Locations.

      As always, our No. 1 priority during the pandemic is the health and safety of our clients and associates. For that reason, we respectfully ask for your careful consideration and cooperation when you plan to visit an office lobby.
      • Have you recently traveled out of the country?
      • Have you been exposed to a confirmed case of COVID-19?
      • Are you showing any cold or flu symptoms? Do you have a fever?
      • Are you or are you caring for a person in a high-risk group (those over 60, immune-compromised)?
      • Please wash your hands or use hand sanitizer immediately before and after your visit. We will also have bathrooms and hand sanitizer in the office for you to use.

And here are a few of the ways you can stay informed about what’s happening at Pinnacle.

  • Website
    • PNFP.com/Update - We’ll keep you informed should we need to modify the way we deliver our services.
  • Client Service Center
    • Our Client Service Centers that you rely on for support are in two locations, one in Tennessee and one in North Carolina. We expect no interruption in our telephone banking service.
      • 800-264-3613 in Tennessee
      • 800-262-7175 in the Carolinas and Virginia
    • You can call any associate at Pinnacle. As always, we’ll pick up the phone ready to help.
    • Our Pinnacle Anytime automated system is available by calling 866-755-5428.
  • Signage
    • If we decide to modify operations further, we will post signs on the doors and drive-thru windows of affected offices.

Effective Advice

The COVID-19 pandemic has thrown nearly everyone's personal and business finances into uncertain territory. We have been collecting advice and guidance from experienced Pinnacle financial advisors on topics like stimulus checks, pandemic scams, small business recovery, mortgages and more. We also have a series of video webinars on the Pinnacle YouTube channel to help you get through these unprecedented times.

Articles

Steps We're Taking

We are most concerned for the health and well being of our associates and clients and are working hard to keep our offices safe. Here are a few ways we’re protecting you.

  • Proactive Policies
    • Our generous paid-time off policies and guidance for associates ensure that they stay home if they are sick, at risk due to travel or have been exposed to illness.
    • We are restricting non-essential associate business travel to help prevent exposure.
    • We are prepared for many associates to work from home as needed so we can continue supporting critical services like wires, ACH and more even if they can’t come into an office.
  • Preparation
    • Nearly all offices have moved to a drive-thru only model to protect clients and associates. Urgent in-person meetings are available by appointment. 
    • Our offices are prepared with supplies they need, including hand sanitizer, disinfectant and gloves.
    • Our janitorial partners will continue daily cleaning services and will augment them with additional disinfectant for high-touch surfaces.
    • Should it be necessary, we have a cleaning service on standby for deep cleaning and decontamination of our offices. They are partnered nationally with the CDC and follow all necessary guidance for cleaning and prevention of coronavirus
  • Education
    • Our associates understand effective ways to stop the spread of germs.
    • We have collected resources here for you to find accurate, reliable and updated information.

Like everyone else, we encourage you to take careful steps to protect yourself and those around you from the coronavirus.

  • Stay home and avoid close contact with people as much as possible.
  • Wash your hands frequently or use hand sanitizer, especially if you must go to work or get out to run essential errands.
  • Cover your nose and mouth when you cough or sneeze, and keep your distance from people who are coughing or sneezing.
  • Avoid touching your eyes, nose and mouth.
  • If you are sick, avoid going out but seek medical care.

Help for Individuals

As a Pinnacle client and neighbor, you can depend on us in your time of need. We have relief and recovery resources available to help you get through this difficult time and do business again once it’s over.

Whether you are a personal, small business or commercial banking client, let us know what you need.

Have you lost work as a result of the pandemic? Are you afraid of getting behind on bills? Whatever is disrupting your finances, we want to help.

  • Call your financial advisor or local office to talk over the issues. It’s possible you may have already heard from them.
  • If you’re not sure who to talk with, call our Client Service Center. We’ll document your situation, and someone will get back to you as soon as possible.
    • Tennessee – 800-264-3613
    • Carolinas & Virginia – 800-262-7175

If you need financial assistance, you have options.

Pinnacle is here for you.

If you haven’t already spoken with them, reach out to your financial advisor or an office near you. We are working with clients on an individual basis to assess their needs and find the best path forward. We can help you find ways to have greater liquidity and even give flexibility in loan payments on a temporary basis. 

The federal government is ready to step in.

Federal assistance is on the way. In the near term it could mean checks in your mailbox. It also means the potential for low-cost loans or more benefit opportunities for certain industries.

Use this calculator from Kiplinger to see how much you could receive from your stimulus check.

Some of this assistance includes relief for businesses like the one you work for or used to work for, and it's designed, in part, to keep people on payroll until the crisis is over. 

Additional opportunities to apply for financial relief from the federal government could also come. As those details become clear, we will make sure our clients know what to do and where to go.

Community resources are ready to go.

Take a look at this list of United Way and other resources in your community that are standing by to lend a hand. 

Unemployment benefits are available for many people who have lost their jobs as a result of the pandemic.

No one wants to apply for unemployment, but you could be leaving money on the table if you don’t. Many states are making special concessions because of COVID-19, including offering benefits to people who are quarantined, temporarily out of work or even suffering because of reduced hours. In addition, federal relief efforts may significantly bolster the amount beneficiaries receive every week.

To see if you are eligible and to file for unemployment benefits, visit your state’s website:


We are also collecting advice and guidance for everyone feeling the economic impact of the pandemic.

Normal life may be on pause, but most of our financial obligations are not. The hard truth is that many people may be in for a tough few months, but Pinnacle will still be here to help advise and guide you through them.

So far, some of the most common questions we are getting from clients of all stripes are:

  • Can my landlord give me a break on rent?
  • What about utilities?
  • What should I do about credit card and other debt payments?
  • Is my money secure in the bank?
  • Will insurance cover pandemic-related issues?

The first piece of advice is to reach out to your banker, landlord and others involved in your financial life to explore your options and talk about how to get through this together. The good news is that the federal stimulus package includes money for you and them, as well as certain protections. For utilities, many have stopped cut-offs for nonpayment and have made other accommodations for those facing sudden hardship.

Your deposits are very safe and secure in the bank. Since the founding of the FDIC in 1933, no depositor has ever lost a penny of FDIC-insured funds.

We have a few resources from our own financial advisors and other experts to help you prepare for the times ahead, stay on your feet now and get back to business when it’s over.

It’s unclear how long this crisis will last, so our work together is far from over. We always consider clients to be our friends and family, and that’s never more true than when you need us most. We will always be here for you and support you when times are tough.