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Interest Checking Account

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Earn Interest On Your Account

If you tend to keep a spending cushion, this is the account for you. Simply maintain a minimum balance of at least $1,000 in your account and you’ll earn interest. Plus all the conveniences you’d expect are included, like a debit card you can use to shop anywhere and a handy banking app for your smart phone.

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


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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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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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Features of Interest Checking

Minimum Balance

$1,000 average. $100 Minimum Opening Deposit.


No fees as long as you keep an average balance of $1,000 in your account. $5 paper statement fee.


Electronic and you can review your account online

Earns Interest

Yes, the higher the balance the higher the rate

There is a $15.00 service charge per statement cycle if the balance falls below the mimimum.

Today's Rates

Interest Rate and APY

Interest Checking Account Interest Rate Annual Percentage Yield
$0.00-$999.99 N/A N/A
$1,000.00-$9,999.99 0.10% 0.10%
$10,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$249,999.99 0.40% 0.40%
$250,000.00-$999,999.99 0.50% 0.50%
$1,000,000.00 and up 1.00% 1.00%


Rates may vary. These rates are effective as of today's date. Fees may reduce earnings.

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 at no additional cost.

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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 lots of 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

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