Our checking accounts are something to get excited about. One is sure to be a great fit for you.


  • Free Unlimited Use of ATMs in Network
  • Free Online Access and Bill Pay
  • Free 24 Hour Telephone Banking
  • Free Overdraft Protection from Savings
  • Free Debit Card (No Fees, Unlimited Use)
  • No Minimum Balance
  • Free Unlimited Check Writing & Cashing
  • All Funds Insured Up to $500,000

Additional Free Services:

  • Mobile App Access
  • eAlerts & Text Alerts
  • 40,000 ATMs Nationwide, including all 7-Eleven stores
  • 5,600 Co-Op Shared Branching Locations Nationwide
  • 190 ATMs in Toledo Area
  • 10 ATMs in 7 ProMedica Facilities
  • Immediate Posting of ATM and Online Activity
  • Electronic Statements
  • 10% Interest on Save Your Change Savings Account


Premier Checking offers the same benefits and services as a Basic Checking plus additional:

  • 0.05% Interest on Funds (Over $600 Balance)
  • No Fees
  • Free Checks Forever with Direct Deposit
  • Free Cashier’s Checks


  • Direct Deposit Totaling $600 per Month

Pinnacle Checking offers the same benefits and services as a Premier Checking plus additional:

  • 3% Interest on Funds (No Minimum Balance, Up to $3,000)
  • No Minimum Balance
  • Free Nationwide ATMs (Out of Network ATMs with $8 Monthly Fees Reimbursed)
  • No Fees


  • Direct Deposit Totaling $600 per Month
  • 15 Total Debit Card Transactions per Month
  • eStatements
  • VISA Card (No Minimum Charge Required)

Miss meeting the requirements one month?

Don’t worry. You are still a Pinnacle Checking member. The following month you will receive the regular rate on your checking funds, and will not receive refunds on your non-network ATM usage. You will maintain your benefit of ID Theft Recovery for your family. The next month you meet the requirements, your full benefits are restored.