Pinnacle Bank

Headquarters: Elberton, Georgia
Charter: Bank
Assets: $4.0B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
Pinnacle Bank: $30
Pinnacle Bank: $30
U.S. median: no median
NSF / Returned Item
Pinnacle Bank: $20
Pinnacle Bank: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Pinnacle Bank: $18
Pinnacle Bank: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Premature Account Closing (closed within 90 days of opening)$15
Dormant Account Fee (per month)$5
per month
Account Reconcilement/Research/ (per hour, 1 hr. min.)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement/Research/ (per hour, 1 hr. min.) $25
Debit Items (Debit Item Fee - excessive withdrawals savings and money market accounts)$5

Overdraft & NSF

Overdraft Charge$30
Return Item Chrg (Return Item Charge/Failed Transaction per presentment)$20
per item
Cont OD Charge (Continuous Overdraft Charge - after 5 consecutive business days & each 6th business day up to 35 days)$25
per item

ATM & Card

Replace Card$5

Wire Transfers

Wire Transfers (domestic)$18
Wire Hdlg Fee$10
per item · Wire Handling Fee if Wire is Returned for Incorrect Information
Wire Transfers (international)$55

Check Services

Official Check$10
Official Check Stop Payment$15
Stop Payment$15
Domestic Check Collection Fee$100
Statement/Image copy$2
Not compared: Charged per page; comparison unavailable
per page · Statement/Image copy $2.00/page

Digital & Electronic

Online Banking and Bill PayNo charge
Zelle Send MoneyNo charge
Not compared: Per-occurrence charge, not monthly
per item · Free

Cash & Deposit

Dep Item Ret Chrg (Deposit Item Return Charge)$10

Account Services

Notary ServiceNo charge
per item · Free
Safe Deposit Box 10X10$100
per year
Safe Deposit Box 3X10$50
per year
Safe Deposit Box 3X5$30
per year
Safe Deposit Box 5X10$75
per year
Safe Deposit Box 5X5$40
per year
Garnishment$50
Levies$75

Retirement & IRA

IRA Maintenance & Reporting Fee (annual)$10
per year
IRA Transfer Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closing (closed within 90 days of opening)	$15	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Account Reconcilement/Research/ (per hour, 1 hr. min.)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement/Research/ (per hour, 1 hr. min.) $25
Debit Items (Debit Item Fee - excessive withdrawals savings and money market accounts)	$5	Not stated	None
Overdraft & NSF
Overdraft Charge	$30	Not stated	None
Return Item Chrg (Return Item Charge/Failed Transaction per presentment)	$20	per item	None
Cont OD Charge (Continuous Overdraft Charge - after 5 consecutive business days & each 6th business day up to 35 days)	$25	per item	None
ATM & Card
Replace Card	$5	Not stated	None
Wire Transfers
Wire Transfers (domestic)	$18	Not stated	None
Wire Hdlg Fee	$10	per item	Wire Handling Fee if Wire is Returned for Incorrect Information
Wire Transfers (international)	$55	Not stated	None
Check Services
Official Check	$10	Not stated	None
Official Check Stop Payment	$15	Not stated	None
Stop Payment	$15	Not stated	None
Domestic Check Collection Fee	$100	Not stated	None
Statement/Image copy	$2Not compared: Charged per page; comparison unavailable	per page	Statement/Image copy $2.00/page
Digital & Electronic
Online Banking and Bill Pay	No charge	Not stated	None
Zelle Send Money	No chargeNot compared: Per-occurrence charge, not monthly	per item	Free
Cash & Deposit
Dep Item Ret Chrg (Deposit Item Return Charge)	$10	Not stated	None
Account Services
Notary Service	No charge	per item	Free
Safe Deposit Box 10X10	$100	per year	None
Safe Deposit Box 3X10	$50	per year	None
Safe Deposit Box 3X5	$30	per year	None
Safe Deposit Box 5X10	$75	per year	None
Safe Deposit Box 5X5	$40	per year	None
Garnishment	$50	Not stated	None
Levies	$75	Not stated	None
Retirement & IRA
IRA Maintenance & Reporting Fee (annual)	$10	per year	None
IRA Transfer Fee	$50	Not stated	None

Correct a fee source

Oct 12, 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.

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