Back to Checking

Relationship Account

Get Started

Relationships Matter

We’d like to think the connection between you and your bank goes a lot deeper than just money. That’s why this account gives you access to wide range of added features, including interest. And as long as you keep at least an average balance of $15,000 in your account, you won’t pay a fee for any of the conveniences. You can also get this account without a fee by maintaining $50,000 in total deposits with our bank across all your personal accounts (checking, savings, CDs, etc.).

You can pretty much name a benefit and Relationship Checking comes with it. The no cost features of this account include:

  • Refund up to $32 on NSF Paid Item fee/NSF Returned Item Fee per statement cycle
  • Up to $10 back per statement cycle on foreign ATM fees or surcharges
  • Your first box of checks
  • No fees for paper statements and notices
  • Refund for up to 5 money order fees and 5 cashier's check fees per statement cycle
  • Refunds of incoming wire fees (up to $25 per statement cycle)
  • $300 credit toward home equity loans and lines of credit and secondary market real estate closing fees
  • IDProtect® Identity Theft Protection Service
  • Cell Phone Protection
  • CardControl card management app

In addition to all those features, each of our checking accounts also comes with:

You must maintain an minimum balance of $1,000 to earn interest. There is a $25 service charge if the average balance or total deposits is not met.

This account requires a minimum $100 opening deposit.

picture of a man looking at a computer

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.

Get The Details
picture of someone using their smartphone

Free Mobile and Tablet Apps

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

Get The Details
picture of people talking

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.

Get The Details

Features of Relationship Account

Minimum Balance

$15,000 average balance or $50,000 across all your accounts. $100 Minimum Opening Deposit.


No fees as long as you meet either minimum balance


Paper or electronic, and you can review your account online

Earns Interest

Yes, the higher the balance the higher the rate

Today's Rates

Interest Rate and APY

Relationship 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 0.50% 0.50%
$250,000.00-$999,999.99 0.75% 0.75%
$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.

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

Apply Now

Interactive Video Player

Online Chat

Chat with an online representative.

Start Chat

Contact Us

Use our secure form to contact us.

Contact Us

Branch Locator

Locate a branch near you.

Find A Branch