My first account ever at a bank was a checking account with Pinnacle Bank. At the time I opened the account, I did not realize how lucky I was to open an account with a bank which charged so little in fees and provided everything I needed in a checking account at the time. I have never been charged a fee on my checking account, whatsoever. This is incredible considering the requirements many other banks have for someone to qualify for a checking account. I also had a savings account with Pinnacle Bank which I was also never charged a fee for. The interest rate on the savings account was very low, so I closed the account and opened a savings account with an online bank. The negative to banking with a small bank, such as Pinnacle Bank, is the lack of access to your funds across the country. The online platform also does not allow customers to move their money to accounts outside of Pinnacle Bank.