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Personal Checking Accounts

No matter what stage of life you're in.

Start Living your life, Diamond Secure

There's plenty that comes with a Diamond Secure Checking Account, including a Visa® Debit Card, free online and mobile banking, your choice of paper or electronic statements, and no minimum balance.

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Explore & Compare Our Checking Options

Free Checking Account

No Minimum Balance
Only $100 to open
Free Electronic Statements
This non-interest bearing account is perfect for people who don’t carry a large balance in their account, don’t want to pay service charges and aren’t interested in extra perks and benefits, just the basics. Seniors, students and military can opt for refund of $10 in foreign ATM Fees per statement cycle.
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Select Checking Account

No Minimum Balance
Only $100 to open
Low $5.00 paper statement fee
If you don’t have a large balance in your account, but need to receive a paper statement rather than electronic, this non-interest bearing account is the one for you. Seniors, students, and military can opt for refund of the $5 service charge or refund of $10 in foreign ATM Fees per statement cycle.
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Diamond Secure Account

No Minimum Balance
Only $100 to open
Free eStatements
Affordable $6.00 monthly service charge
Low $5.00 paper statement fee
IDProtect® and Cellular Telephone Protection
For people who want the added piece of mind that comes with Identity theft monitoring and cell phone protection, this non-interest bearing account offers lots of perks, like free online and mobile banking, free debit card, and more. Seniors, students and military can opt for refund of $10 in foreign ATM Fees per statement cycle.
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Interest Checking Account

Only $100 to open
$15.00 service charge if balance falls below minimum
Earns Interest
Free eStatements
$5.00 paper statement fee
Low $1,500 minimum average daily balance
If you normally carry a higher balance and want to earn interest on your funds, then Interest Checking is the account for you. With a daily balance of just $1,500, you can earn interest on your account. To avoid a monthly statement service charge, you must maintain a $1,500 average daily balance*. Seniors, students and military can opt for refund of $10 in foreign ATM Fees per statement cycle or refund of the service charge.

* The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the statement cycle.
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Relationship Account

$15,000 minimum average daily balance or $50,000 in total deposits
Only $100 to open
$25.00 service charge if balance requirements not met
Earns Premium Interest
IDProtect® and Cellular Telephone Protection
Additional perks available
For customers who carry large balances in their checking account, or have high balances in other accounts with us and wish to earn a higher rate of interest. This account has lots of additional benefits like Identity Theft Monitoring and cell phone protection.
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Frequently Asked Questions

You've got questions, we've got answers. If you can't find the answer here, give your local branch a call and we'll be happy to discuss.

Personal Checking

Can I link my savings account to my checking account?

Yes, you can link your savings to your checking to avoid overdrafts and the fees associated with it.

Can I use ATMs for free?

You can use any Pinnacle Bank or Bank of Colorado ATM for FREE. Transactions at foreign ATMs are subject to fees, depending on the ATM provider.

Do I have to put down a minimum deposit?

All checking accounts require a minimum opening deposit of $100.

How do I avoid overdraft fees?

To avoid overdraft fees, protect your account with a Ready Reserve Line of Credit or an automatic transfer from another Pinnacle Bank account.

How do I reconcile my checking account?

It's a good idea to keep a check register and record your transactions as you spend. We'll send you a monthly statement which you can use to compare to your register and update your checking balance.

How do I set up direct deposit for my checking account?

Contact your employer to set up direct deposit of your payroll.

Is online or mobile banking offered?

Online and mobile banking are available FREE of charge.

Is there a minimum balance requirement?

Depends on the account opened. Free Checking, Select Checking and Diamond Secure do not have a minimum balance requirement.

Is there a monthly maintenance fee?

Fees are dependent upon the account opened. Some accounts have a maintenance fee, depending upon the minimum balance or services requested.

What is the difference between a checking account and a savings account?

A checking account is used for everyday purchases and household spending. A savings account is used to set money aside for larger purchases or household emergencies and should not be used for everyday transactions.

What should I do if I lose my debit card?

Contact your local Pinnacle Bank immediately, or call our customer support center at 1-800-227-7715. You can also restrict your card using the Card Management feature in our mobile app.

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