20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
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.
Bring fees, filings and market context together.
Pinnacle Bank · $4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pinnacle Bank(this institution) | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Pinnacle Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Amounts from Pinnacle Bank’s own schedules, with a source for each figure.
per month
per hour · Account Reconcilement/Research/ (per hour, 1 hr. min.) $25
| 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 |
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.
Fee change alerts
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