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Interest Checking Account

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If you tend to keep a spending cushion, this is the account for you. Simply maintain a minimum balance of at least $1,000 in your account and you’ll earn interest. Plus all the conveniences you’d expect are included, like a debit card you can use to shop anywhere and a handy banking app for your smart phone.

While each of our checking accounts is a little different, there are great features all of them share. Once you open your account, you’ll enjoy:

You must maintain a minimum balance of $1,000 to earn interest.  There will be a $15 service charge if your balance falls below $1,000. 

This account requires a minimum $100 opening deposit.

Today's Rates

Interest Rate and APY

Interest Account Interest Rate Annual Percentage Yield
$0.00-$999.99 N/A N/A
$1,000.00-$9,999.99 0.10% 0.10%
$10,000.00-$49,999.99 0.25% 0.25%
$50,000.00-$249,999.99 0.35% 0.35%
$250,000.00-$999,999.99 0.50% 0.50%
$1,000,000.00 and up 0.75% 0.75%


Rates may vary. These rates are effective as of today's date. Fees may reduce earnings.


Minimum Balance

$1,000 average


No fees as long as you keep an average balance of $1,000 in your account, $5 paper statement fee


Electronic and you can review your account online

Earns Interest

Yes, the higher the balance the higher the rate

Student Benefits

In school? We’d like to help you out. When you open your account, you can choose a benefit without paying a dime.

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Senior Benefits

Enjoying retirement? We’d like to help you out. When you open your account, you can choose a benefit at no extra cost.

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Custom Package

Want to make your account even better? For just a $10 monthly fee, you can customize your account with lots of extra features.

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Interactive Video Player

Now you can have 24-hour access to real-time account information from the convenience of your personal computer. PinnBank is convenient, easy to use, and more secure than ever.

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