Pinnacle Bank

Headquarters: Marshalltown, Iowa
Charter: Bank
Assets: $324.4M
Fed district: Chicago

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Pinnacle Bank: $5
Pinnacle Bank: $5
U.S. median: no median
NSF / Returned Item
Pinnacle Bank: $30
Pinnacle Bank: $30
U.S. median: no median
Stop Payment
Pinnacle Bank: $25
Pinnacle Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Pinnacle Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$5
per month
Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Retirement & IRA

Subject to IRA custodial transfer fee$25

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Dormant Account Fee - Per Month After 12 Months Inactive	$5	per month	None
Account Research or Balancing Assistance, per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee - Per Statement Cycle	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	per item	None
Retirement & IRA
Subject to IRA custodial transfer fee	$25	Not stated	None
Gift & Prepaid Cards
Access Card Reload Fee	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Account Maintenance

Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Digital & Electronic

ACH Origination Fees - Per File (Business Cash Management Users)$10
per item

Cash & Deposit

Coin Counting - Non-Customer10%

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee - Per Month After 12 Months Inactive	$5	per month	None
Account Research or Balancing Assistance, per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee - Per Statement Cycle	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	per item	None
Digital & Electronic
ACH Origination Fees - Per File (Business Cash Management Users)	$10	per item	None
Cash & Deposit
Coin Counting - Non-Customer	10%	Not stated	None
Gift & Prepaid Cards
Access Card Reload Fee	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Pinnacle Bank's monthly maintenance changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Pinnacle Bank: $5
Pinnacle Bank: $5
U.S. median: no median
NSF / Returned Item
Pinnacle Bank: $30
Pinnacle Bank: $30
U.S. median: no median
Stop Payment
Pinnacle Bank: $25
Pinnacle Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Pinnacle Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$5
per month
Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Retirement & IRA

Subject to IRA custodial transfer fee$25

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5	per month	None
Dormant Account Fee - Per Month After 12 Months Inactive	$5	per month	None
Account Research or Balancing Assistance, per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee - Per Statement Cycle	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	per item	None
Retirement & IRA
Subject to IRA custodial transfer fee	$25	Not stated	None
Gift & Prepaid Cards
Access Card Reload Fee	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Account Maintenance

Dormant Account Fee - Per Month After 12 Months Inactive$5
per month
Account Research or Balancing Assistance, per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee - Per Statement Cycle$2
per month
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month$1
per item

Overdraft & NSF

Return Item Fee - Per Item$30
per item

ATM & Card

Debit Card Replacement$20
Cross Border Fee0.9%

Check Services

Cashier's Check$5
Money Order$3
0.2% Stop Payment Request - Per Item$25
per item

Digital & Electronic

ACH Origination Fees - Per File (Business Cash Management Users)$10
per item

Cash & Deposit

Coin Counting - Non-Customer10%

Gift & Prepaid Cards

Access Card Reload Fee$4.95
Gift Card Activation Fee$4

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee - Per Month After 12 Months Inactive	$5	per month	None
Account Research or Balancing Assistance, per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee - Per Statement Cycle	$2	per month	None
Excess Debit Fee - Each Debit in Excess of 6 Transactions per Month	$1	per item	None
Overdraft & NSF
Return Item Fee - Per Item	$30	per item	None
ATM & Card
Debit Card Replacement	$20	Not stated	None
Cross Border Fee	0.9%	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$3	Not stated	None
0.2% Stop Payment Request - Per Item	$25	per item	None
Digital & Electronic
ACH Origination Fees - Per File (Business Cash Management Users)	$10	per item	None
Cash & Deposit
Coin Counting - Non-Customer	10%	Not stated	None
Gift & Prepaid Cards
Access Card Reload Fee	$4.95	Not stated	None
Gift Card Activation Fee	$4	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.