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. 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:

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

E-Statements

• Receive your monthly checking account statements via email through our secure server
• Contact your Personal Banker to activate

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 Street
• Royston: 861 Church St. and Dill's Supermarket, 721 Cook St. (8:00 am-9:00 pm only).
• Social Circle: 112 N. Cherokee Rd