Checking

Basic Checking

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Who should consider this account?

If you want no frills and no balance requirements, this is the account for you. Plus, the maintenance fee is waived if you choose an electronic statement. The drawback? The Basic account does not refund non-Pinnacle ATM fees.

What does the account include?

  • Free online banking with bill pay
  • Mobile banking
  • Instant issue debit card
  • Unlimited transactions and check writing
  • Online statement delivery
  • Overdraft protection available*
  • Free transfers from other Pinnacle deposit accounts
  • Free ID theft resolution advice

How can I get the maintenance fee waived?

Sign up for electronic statements and the $3 fee is waived.

*Subject to approval

Young Professional

Who should consider this account?

If you're starting out in your career (or are just about to graduate) and need some advice on managing your finances at this pivotal moment in your life, this is the account for you. The service fee is waived on this account when you use direct deposit or electronic statements.

What does the account include?

  • Free online banking with bill pay
  • Mobile banking with mobile deposit
  • Four non-Pinnacle ATM fees refunded per month
  • Instant issue debit card
  • Unlimited transactions and check writing
  • Online statement delivery
  • Overdraft protection available*
  • Free transfers from other Pinnacle deposit accounts
  • Free ID theft resolution advice
  • Free tools, resources and advice for managing your finances as a young professional

How can I get the maintenance fee waived?

The $5 monthly service fee is waived when you use either direct deposit or electronic statements.

*Subject to approval

Access

Who should consider this account?

If you enjoy banking electronically and like a few extra features, the Access account is a good choice. You have multiple options for waiving the service charge on this account. 

What does the account include?

How can I get the maintenance fee waived?

The $8 monthly service fee is waived when you do any of the following:

  • Use direct deposit and electronic statements
  • Keep a $1,000 average monthly balance
  • Have existing Pinnacle personal loans, auto loans or lines of credit with a combined outstanding balance of $25,0001,2

1 Overdraft protection and other lending products are subject to credit review and approval.

2 The Access checking account owner name(s) must match the borrower name(s) of the qualifying loan or line of credit. Qualifying loans include: Pinnacle personal loans (secured or unsecured), auto loans or lines of credit (secured or unsecured). Mortgage loans and credit cards are excluded. The loan(s) must have an outstanding principal balance of at least $25,000 during the 30 days preceding the account statement cycle.

Interest

Who should consider this account?

This is relationship banking at its best. Not only do we avoid "nickel-and-dime" nuisance fees, we'll refund the fees that other institutions charge you for using their ATMs. That means you have access to virtually any ATM in the U.S., absolutely free of charge.

What does the account include?

  • Tiered interest
  • Free online banking with bill pay
  • Mobile banking with mobile deposit
  • All non-Pinnacle ATM fees refunded
  • Instant issue debit card
  • Free Pinnacle checks and cashier's checks
  • Unlimited transactions and check writing
  • Online statement delivery
  • Overdraft protection available1
  • Free transfers from other Pinnacle deposit accounts
  • Free ID theft resolution advice

How can I get the maintenance fee waived?

The $12 monthly service fee is waived with one of the following:

  • $2,500 average monthly balance
  • $25,000 average combined monthly deposit account balance 
  • $25,000 in outstanding balances in Pinnacle personal loans, auto loans or lines of credit1,2

What other services should I consider?

 


1 Overdraft protection and other lending products are subject to credit review and approval.

2 The Interest checking account owner name(s) must match the borrower name(s) of the qualifying loan or line of credit. Qualifying loans include: Pinnacle personal loans (secured or unsecured), auto loans or lines of credit (secured or unsecured). Mortgage loans and credit cards are excluded. The loan(s) must have an outstanding principal balance of at least $25,000 during the 30 days preceding the account statement cycle.

Senior

Who should consider this account?

An ideal account if you are over 55 and want to utilize all the bank’s services. The account comes with free online banking, mobile banking and mobile deposit services.

What does the account include?

  • Tiered interest
  • Free online banking with bill pay
  • Mobile banking with mobile deposit
  • Instant issue debit card
  • Free Pinnacle checks and cashier's checks
  • Unlimited transactions and check writing
  • Online statement delivery
  • Overdraft protection available*
  • Free transfers from other Pinnacle deposit accounts
  • Free ID theft resolution advice

How can I get the maintenance fee waived?

The $10 monthly service fee is waived with one of the following:

  • $500 average monthly balance
  • Direct deposit

What other services should I consider?

*Subject to approval