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Pinnacle Bank Review

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Pinnacle Bank Savings
1.00% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1880, Pinnacle Bank has $5 billion in assets as well as $4 billion in deposits, classifying it as a large bank. Pinnacle Bank, whose headquarters are in Lincoln, Nebraska, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. With a commendable 4.4 stars out of 5, Pinnacle Bank is a solid contender in your bank search. Pinnacle Bank provides customers with a full array of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Pinnacle Bank's ordinary checking account does not have a monthly fee. Banks that offer no-fee checking and a high interest rate savings account are your best option for gaining the most income on your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Pinnacle Bank has a savings rate of 1.00%, which is fair in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 2.61% and 3.03%, respectively, while its highest-yielding money market account has an APY of 1.61%. Given its noncompetitive savings rate, you should think about other options to earn more on your deposits.

How Pinnacle Bank's Savings Rates Compare

Pinnacle Bank Savings 1.00 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Pinnacle Bank has generally extremely low fees in comparison to the average U.S. bank. With no monthly fee, Pinnacle Bank is perfect for people who want a simple banking experience. Pinnacle Bank doesn't refund out-of-network ATM charges, meaning you'll need to search for a Pinnacle Bank ATM or eat the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Pinnacle Bank is a brick-and-mortar bank, with 75 total bank locations in Kansas, Missouri and Nebraska. It also offers access to mobile and web apps for straightforward access and banking on the go. It does not have all-day customer service with representatives. You can get help during its hours, which are Monday through Friday, 8:00 a.m. to 10:00 p.m. CT; Saturday, 8:00 a.m. to 6:00 p.m. CT; Sunday, and 10:00 a.m. to 6:00 p.m. CT. Pinnacle Bank gets fair feedback from users for its mobile platform. The Pinnacle Bank mobile app is rated at 3.6 out of 5 (out of 350 reviews on iOS and Android) compared to the national average of 3.8. Pinnacle Bank's mobile app allows you to manage your bank accounts by reviewing monthly statements, transferring funds and accessing customer service. Pinnacle Bank gets a superb consumer satisfaction score based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.6/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Pinnacle Bank is a large bank and has $5 billion in assets as well as $4 billion in deposits. Its Texas Ratio is 2.15%, indicating a negligible possibility of failure. Additionally, Pinnacle Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Pinnacle Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 1.0% APY $100
Checking Account 1.0% APY $1000
Certificates of Deposit
  • 12 Month: 2.61% APY
  • 24 Month: 2.70% APY
  • 36 Month: 2.80% APY
  • 48 Month: 2.90% APY
  • 60 Month: 3.03% APY
$500 for all terms
Money Market Account 1.61% APY $25000

Pinnacle Bank offers several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Pinnacle Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Pinnacle Bank's CD rates are fair in comparison to other U.S. banks.

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Find a Pinnacle Bank Near Me

Pinnacle Bank has 75 locations across the U.S.

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