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Personal Checking

Whether you’re hoping for the latest conveniences, like using your smartphone to pay bills, or you still prefer writing checks and getting a statement every month, we have just what you’re looking for.

Interest Checking Account

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.

  • Features

    Minimum Balance

    $1,000 average

    Fees

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

    Statements

    Electronic and you can review your account online

    Earns Interest

    Yes, the higher the balance the higher the rate

    Rates

    Tiered Rates

  • Student Benefits

    In school? We’d like to help you out. When you open your account, you can choose one of these benefits without paying a dime.
    • Up to $10 back per statement cycle on any foreign ATM fees or surcharges
    • Refund for up to 5 money order fees and 5 cashier’s check fees per statement cycle
    • Refund the monthly $5 fee for paper statements and notices
    • Refund of the monthly service charge if you fall below the $1,000 balance

    Senior Benefits

    Enjoying retirement? We’d like to help you out. When you open your account, you can choose one of these benefits without paying a dime.
    • Up to $10 back per statement cycle on any foreign ATM fees or surcharges
    • Refund for up to 5 money order fees and 5 cashier’s check fees per statement cycle
    • Refund the monthly $5 fee for paper statements and notices
    • Refund of the monthly service charge if you fall below the $1,000 balance

    Custom Package

    • Refund up to $32 on NSF Paid Item fee/NSF Returned Item Fee per statement cycle
    • Refund for up to 5 money order fees and 5 cashier's check fees per statement cycle
    • Refunds of incoming wire fees (up to $25 per statement cycle)
    • Up to $10 refund for foreign ATM fees or surcharges per statement cycle
  • Education

    Flash Content
    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.

Online Chat

Chat with an online representative.