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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.

Relationship Account

We’d like to think the connection between you and your bank goes a lot deeper than just money. That’s why this account gives you access to wide range of added features, including interest. And as long as you keep at least an average balance of $15,000 in your account, you won’t pay a fee for any of the conveniences. You can also get this account without a fee by maintaining $50,000 in total deposits with our bank across all your personal accounts (checking, savings, CDs, etc.).

You can pretty much name a benefit and Relationship Checking comes with it. The no cost features of this account include:

  • Refund up to $32 on NSF Paid Item fee/NSF Returned Item Fee per statement cycle
  • Up to $10 back per statement cycle on foreign ATM fees or surcharges
  • Your first box of checks
  • No fees for paper statements and notices
  • 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)
  • $300 credit toward home equity loans and lines of credit and secondary market real estate closing fees
  • IDProtect®  Identity Theft Protection Service
  • Cell Phone Protection
  • CardControl card management app

In addition to all those features, each of our checking accounts also comes with:

You must maintain a minimum balance of $1,000 to earn interest.  You will receive a $25 service charge if you don't keep an average balance of $15,000 in your account, or maintain $50,000 in total deposits with our bank. 

This account requires a minimum $100 opening deposit.

  • Features

    Minimum Balance

    $15,000 average balance or $50,000 across all your accounts


    No fees as long as you meet either minimum balance


    Paper, electronic and you can review your account online

    Earns Interest

    Yes, the higher the balance the higher the rate


    Tiered Rates

  • Education

    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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