PinnacleBank
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Banking Built for Your Future
Trusted by over 1.2 million customers. Competitive rates, zero hidden fees, and award-winning service — right at your fingertips.
Products Designed for Real Life
Whether you’re saving for tomorrow or growing your business today, we have the right account for you.
Pinnacle Checking
No monthly fees, unlimited transactions, and access to 55,000+ ATMs nationwide.
High-Yield Savings
Earn more on every dollar. FDIC-insured with no minimum balance requirement.
Money Market
Higher rates with check-writing privileges. Perfect for larger balances.
Certificates of Deposit
Lock in a guaranteed rate from 3 months to 5 years. No surprises, ever.
Home Loans
Fixed and adjustable rates for purchase, refinance, and home equity.
Business Checking
Built for small businesses and growing enterprises. Payroll, wires, and more.
Why Customers Choose Pinnacle
Award-winning technology, people-first service, and tools to help you reach your goals.
Top-Rated Mobile App
4.9 stars on App Store and Google Play. Mobile check deposit, instant transfers, and real-time alerts.
Zero Fraud Liability
You’re protected 100% on unauthorized transactions. Freeze your card instantly from the app.
Instant Transfers
Send money with Zelle®, ACH, or wire — domestically or internationally — in seconds.
55,000+ Free ATMs
Access cash fee-free at any Allpoint or MoneyPass ATM nationwide. Out-of-network fees reimbursed.
Dedicated Advisors
Speak with a dedicated financial advisor at no extra cost — in branch, by phone, or via video.
Smart Budgeting Tools
Automatic categorization, spending insights, and savings goals built right into your account.
Today’s Rates
Competitive rates updated daily. No teaser introductory rates — what you see is what you get.
| Account Type | Minimum Balance | APY / APR | Term | Monthly Fee |
|---|---|---|---|---|
| Pinnacle Checking | None | 0.10% APY | N/A | $0 |
| High-Yield Savings | $1 | 4.85% APY | N/A | $0 |
| Money Market | $10,000 | 4.40% APY | N/A | $0 |
| 6-Month CD | $500 | 4.75% APY | 6 months | N/A |
| 12-Month CD | $500 | 5.10% APY | 12 months | N/A |
| 24-Month CD | $500 | 4.90% APY | 24 months | N/A |
| 30-Year Fixed Mortgage | N/A | 6.49% APR | 30 years | N/A |
| 15-Year Fixed Mortgage | N/A | 5.89% APR | 15 years | N/A |
* Rates effective as of May 2, 2026. Subject to change without notice. APY = Annual Percentage Yield. APR = Annual Percentage Rate. Early withdrawal penalties may apply to CDs.
Trusted by Over a Million Customers
Real stories from real Pinnacle Bank customers.
“Switching to Pinnacle was the best financial decision I made this year. The high-yield savings rate beats every other bank I checked, and the app is genuinely beautiful.”
“Got my mortgage pre-approval in under 24 hours. The loan officer walked me through every step and I never felt lost. Closed in 28 days — faster than any competitor.”
“As a small business owner, cash flow is everything. The business checking account has saved us hundreds in fees, and the wire transfers are instant. Couldn’t ask for more.”