Pinnacle Bank offers a discretionary service designed to cushion your personal checking account. Overdraft Security may reduce the possibility of your checks being returned by considering payment of your reasonable overdrafts.* Best of all, there is no charge unless you use the service.

Rather than automatically returning, unpaid, all nonsufficient fund (NSF) items you may have, we will consider—without obligation on our part—payment of your reasonable overdrafts up to the Overdraft Security limit. Our NSF Paid Item Fee or our NSF Returned Item Fee of $25 will be charged for each item that would create an overdraft on your account.  Benefits:

• Consideration for payment of inadvertent overdrafts up to $900
• More confident check writing
• A cushion from the hassle and merchant fees associated with a returned check
• Consideration for payment of overdrafts initiated by check, in person or ATM withdrawal, debit card purchase, or electronic means
• Requires no action on your part. No additional documents to sign.

Overdraft Security is just another way Pinnacle Bank is changing the way banking should be. For more information about Overdraft Security, stop by or call your local Pinnacle Bank branch.

*We are not obligated to pay every overdraft, not all accounts are eligible, and some restrictions do apply. We will not typically pay an overdraft if your account is not in good standing, if you are not making regular deposits or your account has been dormant, or if you have an excessive number of overdrafts. We will charge our NSF Returned/Paid Item Fee whether we approve the item for payment or not. We reserve the right to require you to repay any overdraft upon demand unless you have made arrangements to bring your account to a positive balance.