Pinnacle Bank offers a range of financial products and services to residents and small businesses. It provides certificates of deposit and savings, checking and individual retirement accounts. Pinnacle Bank s online services include personal e-mail accounts, account statements, and bill payments and transfers. The bank provides debit and credit cards, ATMs, money market accounts and saving bonds, as well as wire transfer services. It offers overdraft protection, direct deposit, money order, night depository and cash management services. Additionally, Pinnacle Bank provides automobile, personal, home equity, equipment, commercial real estate and mortgage loans. It is a wholly owned subsidiary of Pinnacle Bancshares.