Terms & Conditions

Pinnacle Bank maintains this site to provide you with information about Pinnacle Bank products and services, allow our customers to perform banking transactions, and to initiate communications with Pinnacle Bank. By accessing this site, you indicate that you acknowledge and accept these terms and conditions. If you do not agree to the terms and conditions below, please exit the site.

Communications to and from this website may be read or obtained by third parties. Each user of this website agrees that Pinnacle Bank will not be held liable should that scenario occur. All information submitted to Pinnacle Bank via this website shall be the property of Pinnacle Bank. We will do our best to include accurate and up-to-date information on this website, but we make no representations or warranties as to the accuracy of the information.

All information, documents, and materials posted on this website are subject to change at any time. All products and services described in this website are subject to change at any time, and are subject to the terms of the applicable account agreements. A user’s eligibility for particular products and services is subject to qualification by Pinnacle Bank.

Pinnacle Bank may provide links to sites outside the control of our institution. We do not make any representations concerning the linked sites’ contents or availability. You should review each site’s privacy information and security policies carefully before you enter confidential information.

We do not knowingly solicit data from or market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

You may copy information from our website for your personal or educational use only, provided that each copy includes any copyright, trademark, or service mark notice as they appear on the original website pages. The information and materials may not otherwise be used for public commercial purposes, without the express written permission of Pinnacle Bank.

Pinnacle Bank will not be held liable for any damage done to a user’s computer, such as a virus being downloaded from a link or site accessed through this website.

For your convenience, financial calculators are provided on the Pinnacle Bank website. The information obtained from the use of these calculators is strictly an estimate and may not be representative of actual payment amounts. Differences in these results and the results obtained by other means are probable due to rounding or differences in the formulas used.

Online Security
Online Banking utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the service, our Online Banking department will verify your identity and authorization against information associated with the eligible account(s) that you request to be tied to the service.

Access ID’s and Passcodes
One of the main security features protecting the service is the unique combination of your Access Identification Code (Access ID) and Passcode. You determine your own passcode, which is encrypted in our database. Neither Pinnacle Bank nor its service providers have access to this information. Our service also uses a program called a “passcode cracker” that will help you select a good passcode. Because your passcode is used to access your accounts, you should treat it as you would any other sensitive personal data.

Your passcode must meet the following minimum requirements:

  • It must be at least seven (7) characters long.
  • It must contain at least 1 alpha and 1 numeric character.
  • It must not be based upon any personal information you have provided to us.

Keep Your Passcode Safe
Memorize your passcode and do NOT write it down. You should also change your passcode occasionally, such as every 90 days. A passcode should be changed immediately if you suspect that your passcode has been compromised. This can be done at any time from the “User Services” menu after you log on to the service. We will not contact you via telephone or via e-mail requesting your Access ID or passcode. If you are contacted by anyone requesting this information, please contact us immediately.

If you disclose your passcode to anyone, and/or if you allow someone to use your passcode to access your accounts, you are authorizing them to act on your behalf and you will be responsible for any use of the system by them (i.e. such as when you provide this information to a joint account holder, spouse, and/or an aggregation service provider).

Log-On Security
For your protection, you should sign-off after every Internet banking session. However, in order to help prevent unauthorized access to your account(s), your online session will end automatically if we detect no activity for 10 minutes. In addition, we will deactivate your account after three unsuccessful login attempts within a 24-hour time frame.

The service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Internet banking. Your browser automatically activates this technology when it attempts to connect to our service. Our service requires a browser that supports 128-bit encryption. The service will warn you if your browser does not meet this requirement.

Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you, is that your communications are scrambled from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet.

Certificate of Authority
The servers hosting our service have been certified by a “Certificate Authority” to assure you that you are actually talking to our service instead of someone pretending to be us.

During your use of the service, our Internet banking service provider will pass an encrypted cookie to your computer in order to identify your computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Access ID and passcode for each individual transaction. Users must accept this cookie to use our Internet banking product. This cookie does not contain any personal information; it simply provides another level of security for our Internet banking product. The cookie is stored on your computer’s hard-drive, identifying your computer while you are logged on. When you log off, close your browser, or turn off your machine, the cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account.

Use of Public Computers
The security of public computers (i.e. in a library) cannot be assured. Therefore, we strongly recommend that our customers refrain from accessing online accounts on a public computer.