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Business Checking Accounts

We'll Help You Find The Right Account For Your Growing Business.

Business Checking Options

PinnFree Business Checking

No Minimum Balance
No monthly maintenance fee
250 free transactions each month
$5.00 paper statement fee
Here’s a straightforward, affordable account for businesses that don’t have a lot of transactions from month to month.

PinnCommercial Checking

No Minimum Balance
Contact your local branch for fees
It meets the needs of smaller businesses that often cannot meet the monthly balance requirements of other accounts. For slightly bigger businesses with more resources, this account is appealing because you get an earnings credit based on your daily balance. These credits can be used to offset the modest fees associated with this account.

PinnBusiness Checking

$2,500 minimum average daily balance
$10.00 monthly maintenance fee if balance falls below minimum
$0.20 per check/debit cleared for each time over 30/statement cycle if balance falls below minimum
One of the most economical business accounts around, there is no charge for this account and it offers limitless transactions when you maintain a minimum balance of $2,500.

PinnSmall Business Checking

$300 minimum average daily balance
$7.00 monthly maintenance fee if balance falls below minimum
$0.20 per check/debit cleared for each time over 30/statement cycle if balance falls below minimum
This account was created for businesses with a single owner. If that’s you, you’ve found the perfect, interest-earning account.

Commercial + Interest Checking

No Minimum Balance
$12.00 monthly maintenance fee
Monthly Activity Fee of $.15 per debit or credit, and $.10 per deposit
This account is great for businesses that have a higher balance and want to earn more interest. The interest you earn daily will be deposited monthly into your account.

Frequently Asked Questions

You've got questions, we've got answers. If you can't find the answer here, give your local branch a call and we'll be happy to discuss.


Business Checking

Can I use ATMs for free?

You can use any Pinnacle Bank or Bank of Colorado ATM for FREE. Transactions at foreign ATMs are subject to fees, depending on the ATM provider.

Do I have to put down a minimum deposit?

All checking accounts require a minimum opening deposit of $100

How do I avoid overdraft fees?

Talk with your local commercial lender to arrange for an operating line of credit or an automatic sweep from another Pinnacle Bank account.

How do I reconcile my checking account?

It's a good idea to keep a check register and record your transactions as you spend. We'll send you a monthly statement which you can use to compare to your register and update your checking balance. Many businesses make use of accounting software such as Quickbooks, Netsuite or Xero to track business expenditures.

Is online or mobile banking offered?

Online and mobile banking are available FREE of charge.

Is there a minimum balance requirement?

Yes, our savings accounts do require a minimum balance to avoid a fee.

Is there a monthly maintenance fee?

Fees are dependent upon the account opened. Some accounts have a maintenance fee, depending upon the minimum balance or services requested.

What is the difference between a checking account and a savings account?

A checking account is used for everyday purchases and business operations spending. A savings account is used to set money aside for larger purchases or business emergencies and should not be used for everyday transactions.

What is the interest rate on savings accounts?

Interest rates on Savings Accounts are variable and can change any time. Each market sets their rates locally, so check with your local branch to determine your rate.

What should I do if I lose my debit card?

Contact your local Pinnacle Bank immediately, or call our customer support center at 1-800-227-7715.

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