Our commercial account products allow easy access to your funds and range from low cost basic non-interest-bearing transactional accounts, money market deposit accounts, savings accounts and certificate of deposit accounts that offer very competitive interest rates.

• Minimum deposit of $100 to open
• Unlimited check writing
• A minimum collected balance of $1,000 qualifies account for an "Earnings Credit" against service charges. (Earnings credit is a variable rate based on the Commercial Blue Chip Account.)
• 10% Reserve Requirement
• Analysis accounting helps to offset account charges and reserve requirements:

Analysis Charges:
 

A $8 monthly maintenance fee
 

Deposit (each item) $.06
 

Check or draft (each item) $.15
 

• Detailed bank statements for easy reconciliation

• Convenient Image Statements

Balance Computation

We use the Daily Balance Method to calculate the "Earnings Credit" on the Commercial Checking account. This method applies a periodic rate to the collected balance in the account each day. Refer to the "Reg CC, Availability of Deposits" disclosure to determine when the items you deposit become collected.

Separate charges are established for Low Volume and High Volume Accounts. An account is considered Low Volume if the combined total of checks/drafts and deposits (each item) is lower than 99 items during any statement period.

• Minimum deposit of $100 to open account
• Unlimited check writing
• Detailed bank statements for easy reconciliation
• Convenient Image Statements

Low Volume Accounts
 

A monthly maintenance fee of $10

High Volume Accounts
 

A monthly maintenance fee of $8

Check or draft (each item) $.15

Deposit (each item) $.06

Our Blue Chip Account offers excellent rates of return. With our tiered rate structure, the higher the balance, the higher the interest rate and annual percentage yield. Because it pays a competitive rate of interest, and is easily accessible, it's the perfect account in which to place your excess liquidity.

• Minimum deposit of $1,000 required to open
• A minimum daily balance of $1,000 required to obtain the disclosed annual percentage yield
• Subject to a 10% reserve requirement

* Tiered Interest Rate Structure
$ 1,000-$ 4,999
$ 5,000-$ 9,999
$10,000-$49,999
$50,000 or more

• The interest rate and annual percentage yield may change. At the Bank's discretion, we may change the interest rate for your account at any time.
   
• A minimum balance fee of $10 will be imposed monthly if the balance in the account falls below $1,000 any day of the month (statement period).

Balance Computation
We use the Daily Balance Method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

Compounding of Interest
Interest is computed as daily simple (365/365), credited monthly and paid on the collected balance.

Accrual of Interest on Deposits Other Than Cash
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example, checks). Refer to the "Reg CC, Availability of Deposits" disclosure for details.

Bank reserves the right to require at least seven (7) days notice of withdrawal or transfer of funds in the account.

Transaction Limitations

• Withdrawals are subject to a limitation of three pre-authorized or automatic transfers made by check, draft or similar device drawn by the depositor to a third party.
• If fewer than three third-party drafts are written in a month, three pre-authorized or automatic drafts may be allowed.
• Telephone transfers from a Blue Chip MMDA to another account of the same depositor are restricted to the three transactions per month limitations.
• An excessive withdrawal fee of $5 will be imposed for more than six third party debits during the statement period.
• If more than three checks/drafts per month are written on a regular basis, the account will be re-classified to a non-interest-bearing Commercial Checking Account, and will be subject to the appropriate service charges.
• There are no deposit limitations.
• Convenient Image Statements are provided at no cost to you.

Available only to non-profit account holders. With our tiered rate structure, ie. the higher the balance, the higher the interest rate and annual percentage yield.

• Minimum deposit of $100 required to open
• A minimum daily balance of $1,000 required to obtain the disclosed annual percentage yield.

Tiered Interest Rate Structure:
$ 1,000-$ 4,999
$ 5,000-$ 9,999
$10,000-$49,999
$50,000 or more

• The interest rate and annual percentage yield may change. At the Bank's discretion, we may change the interest rate for your account at any time.

Balance Computation
We use the Daily Balance Method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

Compounding of Interest
Interest is computed as daily simple (365/365), credited monthly and paid on the collected balance.

Accrual of Interest on Deposits Other Than Cash
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example, checks). Refer to the "Reg CC, Availability of Deposits" disclosure for details.

There are no deposit or withdrawal limitations.

Bank reserves the right to require at least seven (7) days notice of withdrawal or transfer of funds in the account.

Bank reserves the right to review account activity and, upon notice to the customer, institute service charges for high activity accounts.

Enjoy the convenience of a savings account, while earning the higher rates usually associated with certificates of deposit. Investor's Choice is the perfect account for high balances that earn extremely competitive interest rates, and are easily accessible.

• Minimum opening deposit of $50,000
• By maintaining a balance of $50,000 in the account each day, the account receives the disclosed interest rate and annual percentage yield.
• By maintaining $1,000 in the account each day, an $8 minimum balance fee can be avoided.
• This is a non-transactional account.
• Withdrawals are limited to in-house, in-person requests.
• Third party checks or drafts are not permitted.
• Pre-authorized automatic transfers or telephone transfers are not permitted.
• There are no deposit limitations.

The interest rate and annual percentage yield may change. At the Bank's discretion, we may change the interest rate for your account at any time.

If the daily balance is $50,000 or more, the account will earn the disclosed interest rate and annual percentage yield on the entire balance in the account.

Balance Computation
We use the Daily Balance Method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

Compounding of Interest
Interest is computed as daily simple (365/365), credited monthly and distributed monthly on the statement drop date.

Accrual of Interest on Deposits Other Than Cash
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example, checks). Refer to the "Reg CC, Availability of Deposits" disclosure for details.

Bank reserves the right to require at least seven (7) days notice of withdrawal.

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.

You enjoy excellent rates with the security of FDIC insurance.

• Competitive rates of interest
• Flexible terms to meet your investment needs
• FDIC insurance
• A $1,000 minimum deposit/balance is required to open this account, to obtain the disclosed annual percentage yield and to keep this account opened.
• A variety of maturity dates available
• Interest may be re-invested quarterly, and at maturity, annually and at maturity or at maturity (terms less than one year.)
• Interest can be paid monthly, quarterly, semi-annually or annually by check or transfer.

If you have any questions, regarding a Pinnacle Bank Certificate of Deposit, or any other Pinnacle Bank product or service, please call or drop by one of our offices. A courteous, professional Customer Service Representative will be glad to help you.

Rate Information
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.

Compounding of Interest
Interest is computed as daily simple (365/365), credited to your account quarterly and at maturity, annually and at maturity or at maturity (terms less than one year), unless you elect to receive interest paid to you monthly, quarterly, semi-annually or annually by check or transfer.

Balance Computation
We use the Daily Balance Method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

Transaction Limitation
After the account is opened, you may not make deposits in the account until the maturity date, unless the Certificate of Deposit account has a special "Add To" feature. Withdrawals from the principal balance are permitted, but are subject to early withdrawal penalties.

Early Withdrawal Penalty
If any of the principal deposit is withdrawn before the maturity date, a penalty, as shown, will be imposed:

The early withdrawal penalty is imposed regardless of the length of time the funds withdrawn have remained in the account, whether the interest has been earned or not, and could result in a loss of principal . You will have seven (7) calendar days after the maturity date to withdraw funds without a penalty.

Renewal Policy
The account will automatically renew at maturity unless (a) withdrawn within seven (7) calendar days after the maturity date or (b) 30 days prior to the maturity date. We provide you with a written notice that the account will be renewed at a change of terms. A new "Certificate Account Disclosure of Interest, Fees and Account Terms" will be provided at such time.