Pinnacle Bank Review: A Full-Service Bank
Written by
Rudri Patel
Edited by
Melanie Grafil
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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 has 151 branches in seven states, including Nebraska, Kansas, and Missouri. The bank offers many of the products of a large bank, including checking accounts with nontraditional perks like ID Protect and Cellular Telephone Protection, as well as interest-earning potential. GOBankingRates has ranked it among the Best Banks of 2025 in Nebraska and Wyoming.Â
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
Up to
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.Â
Final Take
Pinnacle Bank has a range of accounts that will work for those looking for standard checking and savings accounts. Also, there is something for individuals who want their high balances to give them more than just free mobile banking. There are additional perks and safeguards and the potential to earn interest for those who carry high balances. And remember, Pinnacle Bank was rated as one the Best Banks 2025 in Nebraska and Wyoming.Â
FAQ
- Does Pinnacle Bank have fees?
- Yes, Pinnacle Bank has monthly maintenance fees on certain checking accounts and some fees can be waived). There is also a monthly $3 fee on the savings account unless you can keep the daily balance at $200 or more.
- How much is the overdraft fee for Pinnacle Bank?
- For items that cost less than $10, the overdraft fee is $10.
- For items that cost more than $10, the overdraft fee is $32.
- No NSF-paid item fee is charged if your account is overdrawn at $5 or less at the end of the day.
- There is a limit of $196 on total overdraft fees on your account each day.
- Does Pinnacle Bank have Zelle?
- Yes, Pinnacle Bank has Zelle as a part of its digital platform.
- How much is it to start a checking account with Pinnacle Bank?
- All checking accounts require a $100 minimum deposit.
- What types of accounts does Pinnacle Bank offer?
- Pinnacle Bank offers checking, savings and money market accounts. They also offer CDs, but the website doesn’t publish rate information.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 20, 2024.Â
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.
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 20, 2024.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
