We’re performing scheduled maintenance on Sunday, April 27 from midnight CT – 8 a.m. CT. During this window, balances on debit cards, ATMs and online banking will not be updated real time, and you cannot move money between accounts or send money with Zelle. We apologize for the inconvenience and thank you for your patience.
Tools
At Pinnacle, our goal is to provide our clients with effective advice. Through this site we offer several tools and articles to help you protect your money and avoid unexpected overdraft fees.
Five ways to avoid overdraftsMost overdraft fees are avoidable. The best way to avoid fees is to manage your account so you don't overdraw it. Read this article for account management tips and ways to stay away from fees.
Pros and Cons of standard overdraft privilegeMost banks have a standard overdraft service designed to cover you in the case you do not have enough funds in your account. There are mixed views on overdraft privilege services. Let us help clarify.
Alternatives to standard overdraft privilegeWe want to remind you of several programs and options that would likely reduce the cost of using your account. These options may be less expensive than our standard overdraft privilege.
How To: Set up balance alertsLearn how this feature in online banking allows you to avoid unnecessary service charges, ensure transactions are processed, and be notified of unusual activity on your accounts.
How To: Sign up for online bankingWe see convenience as an integral part of distinctive service. Read this for a few ways our free online banking can make your life easier.
How To: Opt out of overdraft privilegeWhile there are pros and cons to our standard overdraft privilege, you may have decided it’s not right for you. There are two easy ways to opt out.
Webinars and Videos
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The keys to intentional spending (Length: 12 mins) |
The keys to preventing overdrawn accounts (Length: 13 mins) |
These videos will launch via WebEx, a safe and trusted provider. The player requires Java.
Other resources
Do a quick web search for "online budget tools" and you get 164 million results. Online and mobile-based money management tools are everywhere. So how do you know where to look for help? We've sorted through some options and found several resources we would recommend.
- mymoney.gov – Created by the government's Financial Literacy and Education Commission, this site has information, calculators and budgeting worksheets based on your life stage.
- Money Matters – This site is managed by the FTC. While primarily article based, you can find some good ideas on how to better manage your finances.
- Approved Credit Counseling Agencies – The Department of Justice produces a list of organizations authorized to provide credit counseling in Tennessee. While we do not recommend any specific partner, we do urge you to use an approved agency and avoid organizations that seem too good to be true. For more information about credit counseling and debt settlement, visit the FTC consumer education site.
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