Checking
Horizon
Who should consider this account?
- Businesses who are looking for a flat monthly fee with flexibility
- Companies who do not utilize extensive treasury management services
How does this account work?
Most banks offer "one-size-fits-all" solutions. Anyone who doesn't fit into their free account gets upgraded to an analyzed account. We recognize that some people prefer a standard monthly service charge. That's why we created flexible tiers in our Horizon accounts.
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|
Horizon 75 |
Horizon 150 |
Horizon 300 |
Horizon 500 |
|
Number of Transactions |
Up to 75 |
Up to 150 |
Up to 300 |
Up to 500 |
|
Per Item Over Transaction Limit |
$0.50 |
$0.50 |
$0.50 |
$0.50 |
|
Maintenance Fee |
N/A |
$15 |
$20 |
$50 |
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Balance to Waive |
N/A |
$5,000 |
$10,000 |
$30,000 |
|
Combined Balance to Waive |
N/A |
N/A |
$20,000 |
$60,000 |
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Combined Loan Outstandings to Waive* |
N/A |
N/A |
$25,000 |
$30,000 |
|
Other Features |
All accounts include free online banking with bill payment services, free debit MasterCard, images of your checks with your statement and unlimited Pinnacle Anytime telephone access. |
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What other services should I consider?
- If you anticipate needing over 500 transactions per month or would like access to our treasury management services, you may want to consider our analyzed business account – Vista Business Checking.
- Our business checking accounts include free overdraft protection in $100 increments.* All you need is a Pinnacle business line of credit, savings or money market account.
- Convenience is key. Take advantage of Pinnacle's remote deposit, night depository and online banking capabilities.
*Overdraft protection and other lending products are subject to credit review and approval. The business on the checking account must be listed as the borrower of the loan or line of credit. To qualify for the waiver, the loan must have an outstanding principal balance of the amount noted above during the 30 days preceding the statement cycle.
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Who should consider this account?
- Sole proprietorships and non-profit organizations
- Clients with lower transaction volumes
What does the account include?
- Interest on balances (which is not typical of business accounts)
- 150 free transactions per month ($0.50 per transaction over 150)
- Free online banking with BillPay
- Check images in statement
- Overdraft protection available*
- Free Business debit MasterCard
- Unlimited Pinnacle Anytime telephone access
How do I avoid the maintenance fee?
The $15 monthly maintenance fee is waived with one of the following:
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$10,000 average monthly balance
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$20,000 average combined monthly balance
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$25,000 combined business loan balance*
What other services should I consider?
- At Pinnacle, there are no "one-size-fits-all" solutions. Our experienced treasury management advisors can tailor products to your specific situation to help you manage cash flow with maximum efficiency.
- Our business checking accounts include free overdraft protection in $100 increments.* All you need is a Pinnacle business line of credit, savings or money market account.
*Overdraft protection and other lending products are subject to credit review and approval. The business on the checking account must be listed as the borrower of the loan or line of credit. To qualify for the waiver, the loan must have an outstanding principal balance of the amount noted above during the 30 days preceding the statement cycle.
Vista
Who should consider this account?
- Businesses with higher transaction volumes who use cash management services
- Companies who have all or most of their relationship with Pinnacle
How does it work?
- This is an "analyzed account," which uses cash management capabilities.
- We track your activity each month and then apply an earnings credit rate (ECR) to your average balance.
- The earnings credits are applied against your fees, allowing you to maximize the balances you keep in your account.
What does the account include?
- Full access to all of our treasury management services
- Detailed account analysis statement with images of your checks
- Unlimited transactions
- Overdraft protection available*
- Free Business debit MasterCard
- Unlimited Pinnacle Anytime telephone access
What does it cost?
- $25 account maintenance fee
- Additional services are analyzed and the cost is offset by the earnings credit
What other services should I consider?
This account is the opposite of "one-size-fits-all." We will tailor products to your specific situation to help you manage cash flow with maximum efficiency. Our experienced treasury management advisors work to understand your business and its cash flow patterns, then recommend the right tools to:
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