Pinnacle Bank Review: A Full-Service Bank
Written by
Rudri Bhatt Patel, CFHCâ„¢
Edited by
Joe Evans
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Open a free checking account with a minimum deposit of $100 and no monthly maintenance fees.
Pinnacle Bank has several checking account options and a single savings account option with a higher APY than most standard savings accounts. GOBankingRates ranked Pinnacle Bank as a 2025 Best Banks Nebraska and Wyoming winner.
Pinnacle Bank is a privately held regional bank serving customers across multiple Midwestern and Western states through a strong branch network and relationship-driven banking model. Rather than competing on the highest deposit rates, Pinnacle Bank emphasizes personalized service, local decision-making and a full suite of traditional banking products.
This review breaks down Pinnacle Bank’s checking, savings, money market and CD offerings, who the bank is best suited for and where it may fall short for rate-focused savers.
Pinnacle Bank at a Glance
| Category | Details |
|---|---|
| Founded | 1938 |
| Headquarters | Nebraska |
| Branch footprint | Multi-state regional |
| Banking model | Relationship-based regional bank |
| Deposit insurance | FDIC |
Pinnacle Bank Checking Accounts
Free Checking Account, Select Checking Account, Diamond Secure Checking Account, Interest Checking Account, and Relationship Account are the five accounts available at Pinnacle Bank. All accounts require a $100 minimum opening deposit. Free Checking, Select Checking, and Diamond Secure Checking Accounts have no minimum balance requirement. Relationship Checking is an interest-bearing account, and you must maintain a $15,000 minimum average daily balance or $50,000 in total deposits or pay a $25 service charge.
- All accounts require a $100 minimum depositÂ
- IDProtect and Cellular Telephone Protection are available with the Relationship and Diamond Secure AccountsÂ
- APYs on Interest Checking range from to
- Receive a $300 credit toward home equity loans and lines of credit with a Relationship Account
Best For
Mobile App
Banking in Wyoming
Low Monthly Fees
Loan Options
Investment Services
5 Checking Accounts Available
Pinnacle Bank offers several checking account choices with low opening deposit requirements, added perks like ID protection and competitive APYs for higher balances.
Fees
$5 to $25
APY
Up to
Min Opening
$100
Pros
- Several types of accounts
- Low minimum deposits
- Added perks of identity protection and credits with certain accountsÂ
Cons
- Limited geographic locationsÂ
- APYs are only beneficial when you have a higher balance
Quick Take
Pinnacle Bank offers several checking account options, from everyday checking to additional perks for those who have higher balances. ID Protect and Cellular Telephone Protection are also available on specific accounts.
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Pinnacle Bank Savings Accounts
PinnSavings Account requires a minimum deposit of $100. If you keep the daily balance at $200, you will not be charged the $3 monthly maintenance fee. The highest APY available on the savings account is . The interest rate is variable.Â
- Minimum deposit of $100
- A monthly maintenance fee of $3 can easily be waived
- Funds are FDIC-insured
- Limited to six transactions. After the sixth transaction, you are charged $1 for each additional withdrawal.Â
Best For
Mobile App
Banking in Wyoming
Low Monthly Fees
Loan Options
Investment Services
Min. Balance to Earn APY $0
Pinnacle Bank’s PinnSavings offers a low minimum deposit, a competitive APY and an easily waivable maintenance fee, making it a solid option for savers despite some transaction limits.
Fees
$3 monthly, waivable
APY
Min Opening
$100
Pros
- Low minimum deposit
- Competitive APY
- Low monthly maintenance fee
Cons
- Transaction limitsÂ
- Variable interest rate
- Must keep a minimum balance of $200, or you’re charged a feeÂ
Quick Take
PinnSavings is an accessible savings option for most people, given its low minimum deposit. The APY is more competitive than most standard savings accounts.
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Pinnacle Bank Money Market Accounts
PinnCheck Market requires a $100 minimum deposit and a monthly minimum balance of $1,500. There is a $15 service charge if you fail to meet the minimum. The APYs are based on balances. The higher the balance, the higher the interest rate. APYs range from to and can be variable.Â
- Minimum deposit is $100
- The monthly maintenance fee is $15 and can be waived if you meet the $1,500 daily balanceÂ
- The higher the balance, the higher the APY
- Limited to no more than six withdrawals a month; withdrawals excess of six are $3 each
- Free online banking
Best For
Mobile App
Banking in Wyoming
Low Monthly Fees
Loan Options
Investment Services
Min. Balance to Earn APY $0
Pinnacle Bank’s PinnCheck Market Account offers tiered APYs and free online banking, though its high daily balance requirement and transaction limits may not suit everyone.
Fees
No monthly service fee
APY
Up to
Min Opening
$0
Pros
- Low minimum deposit
- Higher balances are rewarded
- FDIC-insured
Cons
- Minimum daily balance is highÂ
- Transactions are limited
- Low APYs for small balancesÂ
Quick Take
PinnCheck Market Account is an option for a money market account if you can maintain a daily balance of $1,500. Some may find the minimum daily balance too high and the APYs lower than some competitors.
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Banking Experience
Pinnacle Bank has 151 branches in 14 states. It offers comprehensive financial services and has been in business for 29 years.Â
The Better Business Bureau has given Pinnacle Bank an A+ rating. Since 1996, Pinnacle Bank has been accredited with BBB.Â
Customer ServiceÂ
If you need help during banking hours, Pinnacle Bank would like you to contact a local branch. If that option is inconvenient, you can try 1-800-227-7715 for assistance.
Pinnacle Bank’s mobile app is rated 4.8 out of 5 stars in the Apple Store, and Google Play rates the app as 4.5 out of 5 stars.Â
How Does Pinnacle Bank Compare?
Here’s a look at how Pinnacle Bank stacks up against other competitors:Â
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$5 to $25
No monthly service fee
No monthly service fees
APY
APY
APY
Up to
Min Opening
Min Opening
Min Opening
$100
$0
$25 to $100
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$3 monthly, waivable
No monthly service fee
No monthly maintenance fees
APY
APY
APY
Min Opening
Min Opening
Min Opening
$100
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
No monthly maintenance fees
APY
APY
APY
Up to
As high as
Min Opening
Min Opening
Min Opening
$0
$1
$0
Pinnacle Bank vs. Capital One
Savers who don’t mind handling all their banking online can likely find higher rates on deposit products through Capital One. The bank’s many deposit products offer relatively high APYs, which means your money will work harder for you. Plus, all APYs are clearly disclosed on the bank’s website.Â
For example, Capital One’s 360 Checking Account is an interest-bearing checking account that offers APY for all balances. And the Capital One 360 Performance Savings account offers a APY*.
Pinnacle Bank’s savings account APY falls considerably short compared to Capital One.
Pinnacle Bank vs. EverBank
EverBank has some physical branches in Florida. However, online banking accounts are still worthwhile for savers not near a branch.Â
For example, EverBank’s Performance Savings account offers a APY. Without any balance requirements or monthly fees, this is a solid option for savers looking to push their savings further.Â
If you prefer the convenience of applying for a savings account online with a high interest rate, Everbank edges out Pinnacle Bank in this category.
Pinnacle Bank vs. Marcus by Goldman SachsÂ
Savers seeking top-rated CDs should consider the offerings through Marcus by Goldman Sachs. With relatively high rates and limited fees, savers can get a lot out of this online banking platform.Â
The catch is that you won’t have a physical branch location to visit. Â
Pinnacle Bank doesn’t publish its CD rates online, and those who don’t want the hassle of calling a branch may opt for a competitor’s CDs.
Who Pinnacle Bank Is Best For
Best Fit
- Customers who value local branches and relationship banking
- Small businesses and households needing in-person support
- Clients managing checking, savings and loans at one institution
Less Ideal
- Rate-focused savers chasing top APYs
- Digital-first users comfortable with online-only banks
- Large idle balances seeking aggressive yield growth
Overall Banking Experience
Pinnacle Bank delivers a traditional, service-oriented banking experience with an emphasis on local decision-making and customer relationships. Its digital tools support everyday needs, but the bank’s primary strength remains its branch network and personalized support.
Final Take to GO
Pinnacle Bank is a solid choice for customers who prioritize relationship banking, branch access and regional stability. While its savings, money market and CD rates typically trail higher-yield options, the trade-off is personalized service and a full-service banking experience.
For savers focused on maximizing interest, Pinnacle Bank may not be the best fit. For customers who value local support and consolidated banking, it remains a dependable option.
Pinnacle FAQ
Here are the answers to some commonly asked questions about Pinnacle.- Is Pinnacle Bank FDIC-insured?
- Yes. Deposits are insured by the FDIC up to applicable limits.
- Does Pinnacle Bank offer high-yield savings accounts?
- No. Savings and money market rates are generally modest and designed for stability rather than yield leadership.
- Are Pinnacle Bank CDs competitive?
- CDs can provide predictable returns, but rates are usually lower than top national offerings.
- Is Pinnacle Bank good for business banking?
- Yes. Pinnacle Bank is well known for relationship-driven small business and commercial banking.
- Who should consider banking elsewhere?
- Savers focused on maximizing APYs or managing money entirely online may prefer other options.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 5, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
*Capital One interest rates accurate as of 01/08/2026. See website for all current rates.
