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Choice Checking
Pinnacle Bank's Choice Checking is packaged to reward you with all the products and services you want. For a small monthly fee, this account offers:

  • Unlimited check writing
  • VISA® Check Card 
  • Telebanc Service
  • Online Banking with BillPay
  • Monthly e-Statements
  • The Choice Checking is packaged to reward you with all the products and services you want with an easily affordable service charge.

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

  • Use Direct Deposit along with 10 or more check card transactions per statement cycle or

  • Maintain a $1,500 average daily balance per statement cycle or

  • Maintain a total of $6,000 combined in deposits and outstanding loan balances.

    These include Checking, Savings, Money Market, Retail Loans or Lines of Credit.

Student Account
The Student Account is just as it sounds; an account designed to work for our student age account holders. This account offers:

  • Monthly e-Statements
  • VISA® Check Card
  • Online Banking with BillPay

At age 24, this account automatically converts to  a Choice Checking Account.

Interest Account
Watch your money climb higher with Pinnacle Bank's Interest Account. This account earns money as paid on a tiered interest rate. This account offers:

  • Unlimited Check Writing
  • Monthly e-Statements
  • VISA® Check Card
  • Online Banking with BillPay

Preferred Checking
The Preferred Checking account was developed especially for customers who maintain high balances and desire to earn competitive money market rates. The monthly service fee is waived if you maintain a required minimum average daily balance per statement cycle. This account also offers:

  • Unlimited Check Writing
  • VISA® Check Card
  • Online Banking with BillPay
  • Monthly e-Statements

Money Market Deposit Account
Our Money Market Deposit Account offers excellent rates of return. With our tiered rate structure, the higher the balance, the higher the interest rate and annual percentage yield. Our Money Market Deposit Account can actually help you reach your personal and family goals. Because it pays a competitive rate of interest, and is easily accessible, it’s the perfect account to save funds for a new home, a college education or for personal emergencies.

The Money Market Deposit Account has transaction limitations based on Federal regulations for money market and savings accounts. These account types may have no more than six (6) debit transactions that are made by check, debit/check card, transfer or transactions made by phone or fax in a monthly statement cycle.


The Money Market Deposit Account is easily accessible, earns money market rates and is the perfect account to place your savings.

  


Personal Savings & Investments

Savings Accounts
Statement monthly or quarterly, ATM Card or not, small activity fees or one monthly maintenance fee, you decide. Design the savings account that is just right for you. All of our savings accounts earn a competitive rate which is variable and changes at the bank's discretion.

Certificate of Deposit
When you look for sound, secure investments, look to our Certificates of Deposit. We offer CDs with varying maturities at some of the best rates you'll find anywhere. With a Pinnacle Bank CD, you receive competitive rates of interest, flexible terms to meet your investment needs and FDIC insurance. Early withdrawal penalties apply.

Individual Retirement Account
Perfect for planning a secure retirement. IRAs remain an excellent method for funding your dreamed-for retirement. For most Americans, IRA contributions are tax-deductible. And, everyone can still enjoy the benefit of tax-deferral on the interest you can earn on your Pinnacle Bank IRA. An IRA from Pinnacle Bank offers you personal tax-deferred savings for your retirement, fixed or variable rate options, no monthly fees, competitive rates, terms to fit your retirement goals and is insured by the FDIC. Early withdrawals become taxable and may result in penalties. Consult your financial advisor to determine the best retirement solution for you.

Money Market Deposit Account
Our Money Market Deposit Account offers excellent rates of return. With our tiered rate structure, the higher the balance, the higher the interest rate and annual percentage yield. Our Money Market Deposit Account can actually help you reach your personal and family goals. Because it pays a competitive rate of interest, and is easily accessible, it's the perfect account to save funds for a new home, a college education or for personal emergencies.

The Money Market Deposit Account has transaction limitations based on Federal regulations for money market and savings accounts. These account types may have no more than six (6) debit transactions that are made by check, debit/check card, transfer or transactions made by phone or fax in a monthly statement cycle.

The Money Market Deposit Account is easily accessible, earns money market rates and is the perfect account to place your savings.

Summit Money Market Checking
Watch your money climb higher with Pinnacle Bank's Summit Money Market Account. With our tiered rate structure, the higher the balance, the higher the interest rate and annual percentage yield. Because it pays a competitive interest rate, and is easily accessible, it's the perfect account to save funds for a new home, a college education or for personal emergencies.

The Summit Money Market Deposit Account has transaction limitations based on Federal regulations for money market and savings accounts. These account types may have no more than six (6) debit transactions that are made by check, debit/check card, transfer or transactions made by phone or fax, in a monthly statement.

Youth Savings
A perfect account for our savers under the age of 21 with no fees and earns a competitive rate. The account will convert to a regular savings account following the 22nd birthday.

Christmas Club Account
Just the right account to plan ahead for holiday shopping. Set your budget and start saving with Pinnacle Bank's Christmas Club Account. This account earns a competitive rate, receives a quarterly statement and is free as long as the funds stay on deposit until the maturity date. A check is issued for the balance plus the accrued interest on the maturity date (October 30) just in time for holiday shopping.


Personal Loans
Pinnacle Bank provides a variety of Personal Loans for when the need arises.

  • Automobiles
  • Recreational Vehicles
  • Boats
  • Second Homes & Vacation Homes
  • Construction Loans
  • Bridge Loans

Home Loans

Pinnacle Bank provides a variety of Home Mortgage Loan products and services.

  • 1st and 2nd Mortgages
  • Home Equity Lines of Credit
  • Fixed and Variable Rates
  • Flexible Payments and Terms

Additional Banking Services
These convenient banking services are designed to save you money, time and trips to the bank. At Pinnacle Bank, we want to simplify your financial life, and to make your relationship with us as convenient as possible. Fees may apply and are subject to change.

e-Statements - Sign up to receive electronic statements for your eligible checking and savings accounts. View, download and print an electronic version of your statement that looks just like the paper version you receive.

Official Checks - When your business or personal needs call for payment by an official check, Pinnacle Bank customers can purchase one at any Pinnacle Bank office.

Safe Deposit Box - You can rest easy when irreplaceable documents or valuables are safe in a safe deposit box. Available at the Main, Sumiton, Haleyville, Vestavia, Trussville and Gardendale offices.

Notary Service - We offer notary service for signature verification of your documents.

Direct Deposit - Pinnacle Bank's direct deposit service will give you added security and convenience. You can arrange to have any regular payments, such as paychecks, Social Security checks, pension checks or dividends deposited directly into your Pinnacle Bank checking or savings account.

Visa CheckCard - You have access to your account at participating ATM machines, and most merchant locations nationwide. (Subject to meeting qualifications)

Overdraft Protection - Savings Transfer
Pinnacle Bank's overdraft protection with savings transfer offers you the peace of mind your account will have the funds needed when necessary.

Bill Payer Service -
With our Bill Payer service, you have the convenience of paying bills by phone. Imagine paying bills without having to write checks or pay postage. You choose who to pay, when to pay and how much to pay. Your Pinnacle Bank statement provides proof of payment.

Telebanc and Internet Banking -
With Pinnacle Bank's Telebanc and Internet Banking services, you can enjoy the convenience of banking 24 hours a day. By phone or computer, you can verify:
  • Your checking or savings account balances
  • Your most recent account activity
  • Whether a specific check has been paid or a deposit credited
  • Payment information on your Pinnacle Bank loan

 




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