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New: 4.15% APY Savings

Banking that moves
with you.

Send, save, and grow with lightning speed and airtight security. No hidden fees, just modern banking built for your lifestyle.

Get Started Learn More
FDIC Insured • 256-bit Encryption
•••• •••• •••• 4298
Card Holder
ALEX MORGAN
Expires
09/28
Current Balance
$12,842.90
Visa Certified • Mastercard • Plaid Secure • Face ID • PCI DSS

Start in three minutes.

No paperwork, no branch visits. Just download and go.

1

Register

Sign up with your email and ID. We verify your identity instantly.

2

Fund

Link your bank or deposit cash to add money to your account.

3

Spend

Get your virtual card instantly and start spending or saving.

Everything you need for day-to-day banking.

Built for speed, privacy, and control.

Instant Transfers

Move money in seconds between accounts or to friends. No waiting periods.

Virtual Cards

Create disposable cards for online shopping. Freeze and replace instantly.

Bank-Grade Security

Biometric login, real-time fraud alerts, and device binding protect your funds.

Accounts designed for
growth.

Everyday Checking

The account that pays you back.

  • ✓ No monthly maintenance fees
  • ✓ 55,000+ Fee-free ATMs
  • ✓ Get paid 2 days early
Open Checking

High Yield Savings

Watch your money multiply.

4.15% APY
  • ✓ Automatic round-ups
  • ✓ No lockup periods
Start Saving
Who We Are

Building the future of
financial freedom.

Pinnacle Trust Savings was founded on a simple principle: your money should work as hard as you do. We combined Wall Street expertise with Silicon Valley technology to create a banking experience that is faster, transparent, and more rewarding.

We are not just a bank; we are a technology company licensed to handle money. This allows us to cut out the middleman and pass the savings directly to you.

✓
Transparent pricing model
✓
Customer-first support
150k+
Active Users
$2B+
Transactions
4.9/5
App Rating
24/7
Live Support

Trusted by thousands.

Don't just take our word for it.

★★★★★

"I switched from my old bank three months ago and haven't looked back. The APY on savings is real and transfers are instant."

JD
James D.
Small Business Owner
★★★★★

"The virtual cards are a game changer for online subscriptions. I feel so much safer shopping online now."

SL
Sarah L.
Freelance Designer
★★★★★

"Customer support actually responds in minutes, not days. The app is clean, fast, and does exactly what I need."

MR
Michael R.
Software Engineer

Common Questions

Everything you need to know about banking with us.

That is correct. We do not charge monthly maintenance fees, overdraft fees, or minimum balance fees. We make money through interchange fees paid by merchants, not by nickel-and-diming you.
Transfers between Pinnacle Trust Savings accounts are instant. Transfers to external banks typically take 1-2 business days, though we support Real-Time Payments (RTP) for eligible institutions.
Absolutely. Your deposits are FDIC insured up to $250,000 through our partner bank network. We also use 256-bit AES encryption and biometrics to secure your app.
You can deposit cash at over 55,000 retail locations nationwide, including major pharmacies and convenience stores, directly through the app.

Bank anywhere with the Pinnacle App

Track spending, freeze cards, and wire funds in seconds.