Columbia Bank deposit products:
Columbia Bank deposit products:
Merger Center Home > Personal > Personal Accounts
Pinnacle Checking
Services & Features
- Minimum to Open: $200
- Monthly Maintenance Fee: $20 per month
- Requirement to Avoid Monthly Maintenance Fee: $15,000 minimum daily balance or $25,000 combined balances. Combined deposit and outstanding loan balances in eligible Accounts. Balance requirements are calculated three business days before the end of the deposit statement cycle. The combined balance is calculated by adding the current balance of all eligible Accounts. Eligible Accounts for the combined balance option include personal Columbia Bank checking, savings, certificates of deposit, money markets, and IRAs at Columbia Bank, and outstanding Columbia Bank personal loans, but excludes Columbia Bank mortgages, commercial loans and credit cards.
- Paper Statement Fee: $0 per month
- Cashier’s Checks: Complimentary cashier’s checks
- Overdraft Protection: Complimentary overdraft transfers
- Incoming Wire Transfers (Domestic & International): Complimentary incoming wire transfers
ATM & Debit Card Services
- Debit Card: Visa Platinum Debit Card
- Columbia Bank ATM Transactions & Statements: $0 per transaction
- Non-Columbia Bank ATM Withdrawals: $0 per transaction (ATM Owner fees apply)
- International Transactions: 0% of card transaction amount. Transactions made outside the U.S., in either foreign currency or U.S. dollars, using a Columbia Bank card.
- ATM Benefits: Up to $25 per month in ATM Owner fee rebates per statement cycle. Rebates will be credited same day.
Additional Account Features
- Online & Mobile Banking, Bill Pay, and Direct Deposit: Higher online transaction limits available for services like Zelle® and mobile deposit. Please refer to help text within the online platform directly or contact online customer service for assistance with online transaction limits.
- Checks & Deposit Slips: Complimentary Harland Clarke check supplies. Receive wallet Columbia Checks at no cost or $10 discount on duplicate checks when ordered through Harland Clarke.
- Safe Deposit Box: $35 annual discount
- Complimentary Accounts: Up to Five complimentary Grow Savings or Thrive Money Market accounts with no monthly maintenance fee when linked to a Pinnacle Checking account.
Temporary waiver of fees: The monthly maintenance and paper statement fee (where applicable) associated with this account will be waived through March 2026. This waiver period will allow you the opportunity to better understand the requirements to waive those fees on your new account.
All products subject to bank approval. Other fees may apply. Review the Personal Rules and Regulations, ATM and Debit Card Agreement, Other Account Services schedule, and Overdraft Disclosure for Personal Accounts for additional details of all personal deposit products offered by Columbia Bank.
