Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Pinnacle Bank Review

Your Details Done
by Updated
Pinnacle Bank Savings
0.85% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1880, Pinnacle Bank has $5 billion in assets as well as $4 billion in deposits, making the institution a large bank. Pinnacle Bank, whose headquarters are in Lincoln, Nebraska, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. Overall, Pinnacle Bank is a solid pick to be your bank, with a rating of 4.4 stars out of 5 from the SmartAsset team. Pinnacle Bank offers a complete choice of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, Pinnacle Bank offers an option without a maintenance or monthly fee. Banks that offer no-fee checking, in addition to a high savings APY are the best bet for gaining the most income from your deposits while having 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 features a savings rate of 0.85%, which is poor in comparison to the average U.S. bank. Pinnacle Bank's one-year CD earns at a rate of 2.52% and the five-year CD has a rate of 3.03%, while its highest-yielding money market account has an APY of 1.56%. Given Pinnacle Bank's poor savings rate, you should consider looking at the competition to open savings accounts.

How Pinnacle Bank's Savings Rates Compare

Pinnacle Bank Savings 0.85 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

Pinnacle Bank has typically extremely low fees in comparison to other U.S. banks. Pinnacle Bank's checking account has no monthly fee, ranking it excellent for anyone looking for a hassle-free account. Pinnacle Bank unfortunately doesn't reimburse out-of-network ATM charges, which means you will be required to locate a Pinnacle Bank ATM or accept the ATM charge.

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
Back to Overview

Service Quality

SmartAsset Average: 3.7

Pinnacle Bank is a brick-and-mortar bank, with 75 total branches in Kansas, Missouri and Nebraska. It also offers access to mobile and web apps for a simple mobile-banking experience. It does not provide access to 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's online and mobile banking platforms get moderate scores from customers. Out of 350 ratings on Apple and Android platforms, the Pinnacle Bank mobile app rates a 3.6 out of 5 (compared to the national average of 3.8). You can utilize Pinnacle Bank's app to manage your funds by checking account balances, sending and receiving money and accessing support representatives. Pinnacle Bank gets a superb consumer satisfaction rating due to comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.6/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

SmartAsset Average: 4.8

Pinnacle Bank is a large bank with $5 billion in assets as well as deposits totaling $4 billion. Pinnacle Bank's Texas Ratio is 2.15%, suggesting that Pinnacle Bank is in outstanding financial shape and unlikely to fail. 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.

Back to Overview

Compare Pinnacle Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.85% APY $100
Checking Account 0.75% APY $1000
Certificates of Deposit
  • 12 Month: 2.52% APY
  • 24 Month: 2.68% APY
  • 36 Month: 2.68% APY
  • 48 Month: 2.88% APY
  • 60 Month: 3.03% APY
$500 for all terms
Money Market Account 1.46% APY $10000

Pinnacle Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Pinnacle Bank does not have the best savings rate, which means you should consider other options 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 compared to other U.S. banks.

Back to Overview

Find a Pinnacle Bank Near Me

Pinnacle Bank has 75 physical branches in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure