Pinnacle Bank's products and services were designed with you, the customer in mind. We know that easy access to your money is important and we offer you a host of ways to access your accounts and manage your business. If our office hours don't agree with yours - take a look at all the ways you have access 24-hours a day!

Netteller

Online at home or the office - FREE access to your accounts via the internet! Log onto www.pinnaclebank.com and let Netteller (account set-up required) provide you with personal banking service including:

• View account balances
• View previous statement
• Enter stop payments
• Transfer funds between accounts
• Download transactions to a variety of financial spreadsheets/software
• Pay bills electronically - FREE

Cash Management

• Originate ACH credits for direct deposit of payroll or debits for recurring accounts receivables
• Initiate wire transfers
• Make Federal tax payments
• Transfer all data into Quickbooks
• Suite of Netteller services also available

Remote Deposit Express allows you to scan and submit checks electronically from your business, eliminating deposit slips and daily trips to the bank.

Lock Box Services - we process your accounts receivable payments and provide paperless reporting - improving your cash flow.

E-Statements, receive your monthly checking account statements via email through our secure server. Contact any of our Personal Bankers to activate.

CD-Rom Statements, available to business accounts on a monthly or annual basis. Contact any of our Personal Bankers for fee schedule and enrollment.

Heartland Payroll Service

For any business, managing payroll is complicated and time consuming. At Heartland Payroll Services, we take your challenging payroll needs and handle them for you with the quality and performance you expect and deserve, accurately and on time.

For more information on Heartland Payroll Services contact any of our Personal Bankers.

Northstar

Northstar provides you bad check collection services. Once enrolled, bad checks are automatically sent to Northstar for a two-phase collection process. You can monitor the check collection process through all phases via their website.

PHON-Xpress

With a touch-tone telephone you have access to your accounts around the clock - FREE. With PHON-Xpress you can:

• Get current balance information
• Get account history
• Transfer funds between accounts
• Make loan payments from checking to savings
• Order checks

Simply dial one of the following local access numbers to reach PHON-Xpress:

• Bowman *Elberton *Franklin Springs *Royston:
  706.213.PHON
• Covington *Monroe *Social Circle
  770.464.9969
• Hartwell: 706.376.2223
• Lavonia: 706.356.7092
• Lexington: 706.743.8144

ATM's

Use your Pinnacle Bank Mastermoney card as an ATM card. Transactions at all Pinnacle Bank ATM's are FREE. You may withdraw cash, do balance inquiries, and transfer funds between accounts.

24-hour ATM's are located:

• Covington: 2131 Washington Street
• Elberton: 884 Elbert St. and 32 College Ave.
• Franklin Springs: 2311 W. Main St.
• Hartwell: 135 E. Franklin St.
• Lavonia: 12321 Augusta Rd.
• Lexington: 114 Gilmer St.
• Monroe: 238 S. Broad St.
• Royston: 861 Church St. and Dill's Supermarket, 721 Cook St. (8:00 am-9:00 pm only).
• Social Circle: 112 N. Cherokee Rd.