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With 20 years of experience in banking, Helen Trotter Caldwell brings deep expertise and a heart for service to her role as Senior Vice President and Executive Director of Treasury Management at Pinnacle Bank. Known for her strong relationship-building skills and commitment to community, Helen is passionate about helping businesses thrive through personalized financial solutions.

A native of Columbia County, Helen began her banking career in Charleston before returning to Augusta, where she has spent over a decade leading Treasury Management programs. She is a faculty member at the Georgia Banking School and remains active in leadership roles across Augusta’s business community.

When she’s not serving clients, Helen enjoys spending time with her husband, Wade, their three children and their two dogs. Her dedication to both her profession and her hometown reflects the values that define Pinnacle Bank.

Pinnacle Bank’s commitment to your financial well-being extends beyond just providing excellent services—we’re here to help you protect your assets too. Today, let’s discuss an often-overlooked but crucial aspect of financial security: using checks safely.

A Lesson from Your Home Security System

Think of your checkbook as part of your security system. Just as you wouldn’t leave your front door unlocked or your alarm system deactivated, you shouldn’t leave your checks vulnerable. Here are some key points to remember:

1. Store your checks securely like you would your valuable documents.
2. Never sign blank checks. It’s like handing over a signed, blank contract.
3. Use a pen with indelible ink when writing checks. Consider it your financial fingerprint.
4. Always fill in all fields of a check, leaving no blank spaces. Think of it as closing all your windows before leaving home.

Banks Never Ask That!

Remember this golden rule: Pinnacle Bank, or any legitimate bank, will never ask for sensitive information through unsecured channels. If you receive a call, email or text asking for your account details, passwords or other private information, be cautious. It’s likely a scam. We value your trust and will always prioritize your security.

The Role of Checks in Modern Banking

While digital payments are on the rise, checks still play a significant role in certain transactions. According to recent financial reports, check-related fraud remains a concern. That’s why at Pinnacle Bank, we’re committed to helping you stay informed and protected.

Protecting Your Financial Home

Here are some additional tips to keep your financial home secure:

• Regularly review your account statements like you would check your home’s exterior for signs of trouble.
• Report any suspicious activity immediately—we’re here to help.
• Consider using our online bill pay services for added security.
• Shred old checks and statements before disposing of them. Think of it as clearing out old keys to your house.

Pinnacle is more than just your bank; we’re your partners in building and protecting your financial future. By following these guidelines and staying informed, you can help safeguard your finances against check-related fraud and scams.

If you have any questions, please contact your local Pinnacle Bank branch or our customer service line at 877-759-7939.

Pinnacle Bank is committed to keeping your hard-earned money safe. As your trusted local financial partner since 1934, we want to help you recognize and avoid phishing scams and other types of financial fraud. Let’s explore how to protect yourself from various deceptive practices targeting you and other Pinnacle Bank customers.

Email Scams: Red Flags for Bank Customers

• Unusual Email Addresses: Be wary of emails that don’t come from our official Pinnacle Bank domain.
• Misspelled Words: Pinnacle Bank communications are professionally written. Poor grammar or spelling is a clear sign of an impostor.
• Scare Tactics: Pinnacle Bank won’t send emails warning of urgent account closure or security breaches. We prefer direct, calm communication.
• Suspicious URLs: We won’t ask you to log in via email links. Always access your account through our official website (pinnaclebank.com) or mobile app.
• Unexpected Attachments: Pinnacle Bank doesn’t send unsolicited email attachments. These could contain malware.

Text Message Scams: Stay Alert to Bank Imposters

• Strange Phone Numbers: Be cautious of texts from unfamiliar numbers claiming to be Pinnacle Bank.
• Urgent Warnings: Our text messages won’t create panic or urge immediate action.
• Requests for Personal Information: Pinnacle Bank will never ask for sensitive data, such as account numbers, PINs or passwords, via text.
• Suspicious Links: We rarely send links via text. Always verify by visiting pinnaclebank.com or calling us directly. Find our phone numbers under Locations at PinnacleBank.com.

Phone Call Scams: Recognizing Genuine Bank Calls

• Unusual Caller ID: Be skeptical if the number doesn’t match our official contact information. Find our phone numbers under Locations at PinnacleBank.com.
• Scare Tactics or Threats: Pinnacle Bank representatives will never pressure you or threaten negative consequences.
• Requesting Personal Information: We do not ask for account details during unexpected calls.
• Unexpected Calls: Be wary of out-of-the-blue calls. We typically only reach out if you initiate contact first.

Payment App Scams: Protecting Your Bank Accounts

• Unexpected Requests: Be cautious of strangers asking for money through payment apps linked to your Pinnacle Bank account.
• Sending Money to Yourself: Pinnacle Bank will never ask you to send money to yourself. It’s 100% a scam.
• Overpayment Claims: Be skeptical of requests to refund alleged overpayments to your Pinnacle Bank account.
• Pressure and Urgency: Pinnacle Bank doesn’t create false emergencies. Take your time to verify requests.

Strengthen Your Defenses with Pinnacle Bank

• Enable multi-factor authentication on your Pinnacle Bank online account.
• Use strong, unique passwords for all your Pinnacle Bank accounts.
• Keep your devices updated and use our latest mobile banking app version.
• Install and maintain antivirus software on your computer.

If You’ve Been Scammed

• Contact Pinnacle Bank immediately at the number on the back of your card. 
• Change your Pinnacle Bank online banking password.
• Report the scam to the Federal Trade Commission (FTC).
• File a police report if you’ve lost money.

If you ever have doubts about a communication you’ve received, please contact your local Pinnacle Bank branch or call us directly at 877-759-7939. Find our additional phone numbers under Locations at PinnacleBank.com.

With eighteen years of banking experience, Sarah White brings a deep understanding of treasury management and a passion for building lasting customer relationships. She began her career as a floating teller at Pinnacle Bank’s Hartwell branch, quickly realizing her desire to grow within the company.

Now a Treasury Management Specialist, Sarah enjoys traveling across Pinnacle’s footprint, meeting new and existing customers and helping businesses find the right financial solutions.

A proud Hartwell native, Sarah loves hiking, camping, traveling and cherishing time with her family. 

With 14 years of experience in the banking industry, Erin Lee brings valuable expertise to her role as AVP – Middle-Market Relationship Manager at Pinnacle Bank. Beginning her career on the retail banking side before transitioning to commercial lending, Erin has developed a deep knowledge of lending, deposit and cash management services for operating companies across the bank’s footprint. 

A graduate of Valdosta State University with a Bachelor of Fine Arts in Organizational Communications, Erin provides an exceptional client experience through her consultative approach and quick follow-up.

Originally from Conyers, GA, and now calling Rutledge home for over a decade, Erin enjoys spending time and exploring new places with her husband, two children and golden retrievers. Erin demonstrates her commitment to community leadership as President of the Madison Kiwanis Club.

Starting in 2005 in the North Metro area along the GA 400 corridor, Russell’s banking career focused on loan operations and credit management before shifting into commercial lending. Now twenty years in, with eight years at Pinnacle, he leverages his experience in the industry to help businesses thrive.

As VP-Middle Market Relationship Manager, he specializes in optimizing cash flow through Pinnacle’s deposit and treasury services while providing creative lending solutions to fuel business growth. His personal approach and fast response times make him a trusted partner for businesses looking to expand.

Outside of work, Russell enjoys spending time with his wife and two daughters, traveling to Jekyll Island, the North Georgia mountains and beyond. A long-time Rotarian, he has been active for 15 years and is currently a member of the Dahlonega Rotary Club. An outdoor enthusiast, Russell loves hiking, camping and classic cars.

When securing a mortgage, you have countless options—online platforms, national chains and big-name banks are all vying for your attention. However, there is a unique and often overlooked choice that can provide significant advantages: working with a hometown mortgage lender. 

Here’s why choosing a local lender can make your home-buying journey smoother, more personal and ultimately more rewarding.

Personalized Service

Hometown lenders take the time to understand your unique financial situation and homeownership goals. Unlike national chains that process applications in bulk, local lenders offer a personalized approach. You’re not just a number; you’re a valued member of the community. This personal touch can lead to tailored mortgage solutions that better align with your needs.

Local Expertise

One of the biggest advantages of working with a local lender is their deep knowledge of the regional real estate market. They understand local property values, tax structures and the nuances of specific neighborhoods. This insight can be invaluable, especially for first-time homebuyers who may not be familiar with the area.

Accessibility & Communication

Need to ask a question or clarify a detail? With a hometown lender, help is just a phone call or a short drive away. Many local lenders pride themselves on being accessible to their clients. This level of communication can ease the stress of the mortgage process, as you’ll always have someone nearby to guide you.

Faster Decision-Making

Local mortgage lenders often have streamlined processes and decision-makers on-site, which can lead to faster approvals and closings. This agility can make all the difference in a competitive housing market where timing is critical.

Community Investment

By choosing a hometown lender, you’re supporting a business that contributes to your community. Local lenders are often involved in community events, sponsorships and charitable initiatives. Your partnership with them helps sustain and grow the local economy.

Flexible & Creative Solutions

Large banks may adhere to rigid guidelines, but local lenders often have more flexibility to craft creative financing options. They may offer specialized loan programs for local buyers, first-time homebuyers or unique property types. This flexibility can open doors that larger institutions might leave closed.

Building Long-Term Relationships

Hometown lenders aim to build lasting relationships with their clients. Many local lenders see their clients as neighbors and friends, not just customers. This relationship-focused approach can lead to better service not only during the mortgage process but also in future financial endeavors.

Competitive Rates & Fees

Contrary to popular belief, local lenders often offer competitive interest rates and lower fees than larger institutions. Since they operate on a smaller scale, they can often provide cost-effective solutions without hidden charges.

Reputation You Can Trust

Local lenders thrive on word-of-mouth recommendations and community trust. Their reputation is built on delivering excellent service and reliable results. When you choose a hometown lender, you’re working with a partner who values your satisfaction and success.

Peace of Mind

Home-buying can be stressful, but working with a lender who genuinely cares about your success can provide peace of mind. You’ll know you’re in good hands with a team committed to helping you achieve your homeownership dreams.

Conclusion

Choosing a hometown mortgage lender offers numerous benefits, from personalized service and local expertise to faster decision-making and community investment. 

Whether a first-time buyer or a seasoned homeowner, partnering with a local lender can make your mortgage experience more rewarding and enjoyable. So, as you embark on your home-buying journey, consider the advantages of working with a lender who’s truly invested in your community and your success.