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Free Checking Account

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Free Means Free

Most times the word free comes with a catch. But because this account comes from us, you can rest easy knowing that we really do mean free. No monthly fee. No minimum balance. Plus, you’ll enjoy a long list of features without paying a dime.

While each of our checking accounts is a little different, there are great features all of them share.


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Free Online Banking

Whether you just want to view your transactions, pay bills or transfer money, online banking will allow you to bank anywhere, anytime.

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Free Mobile and Tablet Apps

Enjoy our mobile app which will allow you to deposit checks, transfer money and control your cards.

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Free Debit Card

Completely secure, access your money with ATMs across 7 states. And enjoy a variety of ways to pay in store or online.

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Features of Free Checking

Minimum Balance

No Minimum Balance. $100 minimum opening deposit.




Electronic statement required

Earns Interest

Not with this account

Student Benefits

In school? We’d like to help you out. When you open your account, you can choose a benefit without paying a dime.

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Senior Benefits

Enjoying retirement? We’d like to help you out. When you open your account, you can choose a benefit without paying a dime.

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Custom Package

Want to make your account even better? For just a $10 monthly fee, you can customize your account with several additional features.

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Start Your Application With Confidence

Thank you for considering Pinnacle Bank! The information below is designed to prepare you for a smooth and efficient application process, ensuring you have everything you need to complete your application quickly and effortlessly.

Complete Your Application In 5 Minutes

  1. Tell us about yourself
  2. Customize your account preferences
  3. Complete your initial deposit

What You'll Need To Apply

  • Name, Address, Phone and Social Security Number or ITIN
  • Valid ID (driver's license, state ID, passport)
  • $100 minimum opening deposit from a card or bank account

Open In Minutes

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