Use your Pinnacle Bank Debit Card at any ATM for instant access to your money. Transactions at all Pinnacle Bank ATMs are FREE. You can check your balance, withdraw cash and transfer funds between accounts when and where you want at any of the 24-hour Pinnacle Bank ATMs. If you don’t have a Debit Card come into any branch to have one issued instantly.
Debit Card Fraud Alert FAQs
What is Debit Card Fraud Alert Service?
Debit Card Fraud Alert is a FREE service provided to all ATM/Debit cardholders. This service monitors each transaction for potentially fraudulent activity. When a questionable transaction appears, we will attempt to contact you and verify whether or not you authorized the purchase. Please make sure your contact information is always updated in our system. This service monitors your check card transaction to establish baseline activity that helps protect you if your card is ever lost or stolen.
Important note: Debit Card Fraud Alert notifies you that your card has suspicious activity. It does not guarantee that all fraudulent transactions will be prevented.
How does Pinnacle Bank determine if a transaction is fraudulent?
Each transaction is assigned a risk score that is determined by a number of factors, such as spending patterns and the common geographic locations of your transactions.
How soon do you contact me after a fraudulent transaction?
Each transaction is assigned a risk level. This level determines how soon you are contacted.
- High risk cases will be contacted within one hour.
- Medium risk cases will be contacted within three hours.
- Low risk cases may take longer than three hours.
The fraud center will contact you between the hours of 8am and 9pm regarding fraudulent transactions.
What happens if you cannot reach me?
The Fraud Center will attempt to contact you twice at the number that we have on file. It is very important for you to keep your contact information up to date in our system. If we are unable to contact you at the number we have on file, we will attempt to locate alternative numbers through resources such as Directory Assistance.
For suspicious transactions with a high degree of severity, we may place a temporary block on your Debit Card until you can be reached. If your card has been blocked, contact us at 1-877-759-7939 and we will be glad to assist you. Our Call Center hours are 08:00 am – 05:30 pm M-F.
How will I know that the person calling is actually a representative of Pinnacle Bank?
Our Fraud Center representatives will NEVER ask to verify sensitive information such as card numbers, account numbers or complete social security numbers. We will ask you to verify non-sensitive information such as the locations and amounts of your most recent purchases; and in some cases, we may ask to verify the last four digits of your social security number. If anyone contacts you to verify sensitive information and claims to be a Pinnacle Bank representative, please contact us immediately at 1-877-759-7939.
I’m taking a trip overseas – can I notify the Fraud Center so that my card is not blocked?
No, travel alerts are not available for ATM/Debit Cards through Fraud Alert. But you should notify either your Personal Banker or the Call Center to let them know of your travel dates.
You can also control your debit card through the Mobile App; turn it on and off, set balances and turn it off from international use when you aren’t traveling.
When you are traveling overseas we always suggest that you carry a second form of payment (travel card, credit card, etc.) in the event your Debit Card is blocked. If you plan to go overseas, please give us a call and we can provide further instructions to ensure that your trip is not interrupted with unexpected banking issues.
Pinnacle Bank Credit Card
Enjoy worldwide acceptance, competitive rates and convenience with a Pinnacle Bank MasterCard Credit Card. Choose from three cards that let you make the most of your purchases — earn cash back, save for rewards, or keep it simple with a low APR — each with no annual fees.
Get more control over your ATM/Debit Card:
In your Mobile App you will find a simple and easy-to-use feature allowing you to have more control over your card. By making your selections within the Manage My Cards section of the app you can control how, when and where your card can be used in just a few taps.
In the Mobile App you can:
- Turn your card on and off
- Set locations where the card can be used
- Restrict transactions based on the type of merchant
- Establish transaction amount limits
Ready to try it? Just open your Pinnacle Bank mobile app, add your card and you’re all set.