Estate planning at Pinnacle Bank

Yes. Checking, savings, money market, and CD accounts can be retitled to a revocable living trust. Visit a Pinnacle Bank branch with your trust agreement or Certificate of Trust, government-issued photo ID for all trustees, and the trust tax identification number. Investment accounts through Pinnacle Asset Management or Wealth Advisors can also be retitled to a trust by contacting your advisor. Allow 1-2 weeks for processing.

No. IRAs cannot be retitled to a trust. However, you can name your revocable living trust as the beneficiary of your IRA. This is done by completing an IRA beneficiary designation form at a Pinnacle Bank branch. Consult a tax advisor before naming a trust as IRA beneficiary, as there are significant tax implications for trust beneficiaries under the SECURE Act distribution rules.

Pinnacle's trust division provides personal trust, investment management, estate administration, endowments, foundations, and custody services. Trust professionals make local decisions and administer trusts locally. The fiduciary investing approach includes independent assessment, disciplined long-term portfolio building, and personalized strategies. Contact the Trust team through the general line at 1-800-264-3613 or visit a branch.

Pinnacle Bank offers five checking accounts: Basic Checking ($8/month, waived with e-statements), Young Professional ($5/month, waived with direct deposit or e-statements), Access Checking ($8/month with multiple waiver options), Interest Checking ($15/month, interest-bearing with all ATM fees refunded), and Senior Checking (age 55+, $10/month with tiered interest). All accounts include free online and mobile banking.

Pinnacle Financial Partners completed its $8.6 billion all-stock merger with Synovus Financial Corp. on January 2, 2026, creating a $117.2 billion asset Southeast regional banking leader with 400+ locations across 9 states. The holding company is headquartered in Atlanta, GA, with banking operations headquartered in Nashville, TN. During the transition period, customer-facing banking continues under both the Pinnacle and Synovus brands, with full system integration and brand consolidation under the Pinnacle name expected in early 2027. Existing Synovus account numbers and access remain active during the transition.

Yes. Pinnacle offers investment management through two divisions: Pinnacle Asset Management (via Raymond James Financial Services, Inc., FINRA/SIPC) provides an open architecture platform with access to the full suite of Raymond James investment products. Pinnacle Wealth Advisors is a wholly owned Registered Investment Advisor operating under a fiduciary standard, offering custom portfolios, alternative investments, and tax-efficient trading. Investment products are not FDIC insured.