Locations & ATMs 📞 1-800-PINNACLE 📩 Customercare@pinnaclebank247PTB Careers About Us
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Member FDIC • Est. 1987

Bank with confidence.
Bank with Pinnacle Trust.

Premium personal and business banking with 2.40% APY savings, global wire transfers to 187 countries, and secure 24/7 digital access. Open to US residents and international applicants.

Why Pinnacle Trust?
Assets Under Management$24.7B+
Savings APY Rate2.40%
International Wire Coverage187 Countries
FDIC Insurance Limit$250,000
Personal Banking

Everything you need, in one place

🏠
Checking Account
No monthly fee. Free online bill pay, mobile deposit, and access to thousands of ATMs.
Open an account →
💰
High-Yield Savings
Earn 2.40% APY — more than 5x the national average. No minimum balance required.
Start saving →
🌎
International Wire
Send money to 187 countries with real-time tracking and SWIFT confirmation.
Learn more →
📋
Business Banking
Dedicated checking, payroll, and cash management solutions for growing businesses.
Explore business →
🔒
Secure Messaging
Message your banker directly from your account. Fast, encrypted, and always private.
Sign in to message →
📄
Digital Statements
12 months of statements, full transaction history, and tax documents available instantly.
View statements →
2.4M+Customers Worldwide
187Countries Supported
$0Monthly Fees
24/7Online Access
50+Cryptocurrencies
FDICFederally Insured
Choose Your Account

World-class accounts for every need

🏠
Personal Checking
Zero monthly fees, free bill pay, mobile deposit and instant debit card access. For everyday Americans.
✓ No minimum balance
✓ Free online banking
✓ FDIC insured
💰
High-Yield Savings
Earn 2.40% APY — more than 5x the national average. Grow your wealth automatically.
✓ 2.40% APY rate
✓ No minimum balance
✓ Instant transfers
📋
Business Checking
Built for entrepreneurs and businesses. Payroll, invoicing, multi-user access and dedicated support.
✓ Multi-user access
✓ ACH payroll support
✓ Business wire transfers
🌐
Offshore / International
USD accounts for international residents. Wire to 187 countries, multi-currency support and offshore privacy.
✓ Available in 187 countries
✓ Multi-currency
✓ SWIFT wires
👑
Premium Private Banking
For high net worth individuals. Dedicated relationship manager, priority service and exclusive rates.
✓ Dedicated advisor
✓ Priority processing
✓ Exclusive rates
NEW
⛭
Crypto Trading Account
Buy, sell and hold 50+ cryptocurrencies directly in your bank account. Transfer between crypto and USD instantly.
✓ 50+ coins supported
✓ Instant USD conversion
✓ Dedicated wallets
🏠
Mortgage & Loans
Competitive rates on home mortgages, personal loans and lines of credit. Apply online in minutes.
✓ Rates from 3.25% APR
✓ Online application
✓ Fast approval
📈
Investment & Brokerage
Stocks, ETFs, mutual funds and bonds — all linked to your bank account for seamless investing.
✓ Zero commission trades
✓ 10,000+ securities
✓ Real-time data
⛭ Cryptocurrency Banking

Trade crypto. Bank smarter.

Buy, sell, hold and transfer 50+ cryptocurrencies directly from your Pinnacle Trust account. Convert between crypto and USD in seconds.

₿
Bitcoin
BTC
♦
Ethereum
ETH
○
USDC
Stablecoin
⭐
Binance
BNB
🆕
+46 More
All coins
🔒
Dedicated Wallets
Each currency gets a unique wallet address assigned by the bank. Send and receive crypto directly to your account.
🔁
Instant USD Conversion
Convert your crypto holdings to USD and have it land in your checking or savings account in seconds.
📊
Full Admin Control
Bank administrators assign and manage wallet addresses per customer per coin. Full visibility over all crypto activity.
Multi-Currency Banking

Send & receive in any currency

🇺🇸
USD
US Dollar
🇪🇺
EUR
Euro
🇬🇧
GBP
British Pound
🇯🇵
JPY
Japanese Yen
🇨🇦
CAD
Canadian Dollar
🇨🇭
CHF
Swiss Franc
🇦🇺
AUD
Aus Dollar
🇨🇳
CNY
Chinese Yuan
🇮🇳
INR
Indian Rupee
🇧🇷
BRL
Brazilian Real
🇲🇽
MXN
Mexican Peso
🇰🇷
KRW
Korean Won
🇸🇬
SGD
Singapore $
🇦🇪
AED
UAE Dirham
🇳🇬
NGN
Nigerian Naira
🇸🇦
ZAR
S.African Rand
🇬🇭
GHS
Ghanaian Cedi
🌐
+150
More currencies
All transactions are settled in USD. Exchange rates apply. International wires supported via SWIFT to 187 countries.
Simple Process

Get started in minutes

1
Fill your details
Enter your personal information and choose your account type in under 3 minutes.
2
Upload your ID
Upload a passport, driver's license or national ID card for KYC verification.
3
Account activated
Your account is instantly created. Start banking, transferring and trading crypto right away.
4
Fund & trade
Deposit funds via wire transfer, receive payments worldwide or convert crypto to USD.
Customer Stories

Trusted by customers worldwide

★★★★★
"I moved to the US from Nigeria and Pinnacle Trust was the only bank that made it easy to open an account internationally. The SWIFT transfers back home are fast and affordable."
AO
Adaeze Okonkwo
Lagos, Nigeria
★★★★★
"The crypto trading feature is seamless. I receive Bitcoin from clients, convert it to USD and it's in my checking account in seconds. Absolutely game-changing for my business."
MR
Marcus Rodriguez
Miami, Florida
★★★★★
"My offshore account with Pinnacle Trust gives me complete flexibility. I can transact in USD from anywhere, and the 2.40% APY savings rate beats every local bank I've used."
JK
James Kiplangat
Nairobi, Kenya
Security First

Your money is protected by bank-grade security

We use the same security infrastructure as the world's largest financial institutions — multi-layer encryption, real-time fraud detection, and FDIC insurance up to $250,000.

🔒
256-bit SSL
Bank-grade encryption on all connections
🏛
FDIC Insured
Deposits protected up to $250,000
📊
Fraud Monitoring
AI-powered real-time transaction monitoring
📱
Two-Factor Auth
2FA required for all sensitive operations
Why Pinnacle Trust?
FDIC Insurance Coverage$250,000
Savings APY Rate2.40%
Monthly Account Fee$0.00
Countries Supported187
Cryptos Supported50+
24/7 Customer Support
📞 1-800-PINNACLE 📩 Customercare@pinnaclebank247PTB
📱 Mobile Banking App

Bank anywhere.
Any device.

Install the Pinnacle Trust Bank app directly to your phone's home screen — no App Store needed. Full banking features, instant access.

✓ Works on iPhone, Android, and any smartphone
✓ Installs directly to your home screen in seconds
✓ Full access — transfers, balance, messages, crypto
✓ No App Store. No downloads. No updates needed.
9:41
🔋 5G ▮▮▮▮
Good morning,
John Doe
Checking
$12,450.00
Savings
$8,320.00
💸
Send
💰
Receive
💳
Card
⛭
Crypto
Recent
Direct Deposit
+$3,500
Amazon Purchase
-$89.99
Netflix
-$15.99
Scan to open on mobile
Scan to install Pinnacle Trust Bank app
pinnacletrustsbank.netlify.app

Ready to experience better banking?

Join millions of customers who trust Pinnacle Trust Bank with their financial future.

🌐 Language:
🌐 Language:
Account Overview
Good morning,
—
Checking Account
$0.00
Acct ••••0000
Savings Account
$0.00
2.40% APY
⛭ Crypto Wallets
—
View wallets →
💸
Pay & Transfer
📋
View Activity
📄
Statements
💬
Message Bank
⛭
Crypto Wallet
💳
My Card
Transaction History →
⌛ Loading your transaction history…
Account Status
ABA Routing031000037
SWIFT / BICPTRBUS33
StatusActive
FDIC Insured✅ Yes
Account Details
Account Holder—
Account Number—
ABA Routing031000037
SWIFT / BICPTRBUS33
Checking Balance$0.00
Savings Balance$0.00
Account Type—
Country—
Status—
Incoming Wire Instructions
Bank NamePinnacle Trust Bank, N.A.
Bank Address1350 Ave of the Americas, NY 10019
ABA Routing031000037
SWIFT CodePTRBUS33
Account Number—
Beneficiary Name—
Pay & Transfer Money
Transaction History
No transactions yet.
Statements & Documents
Last 12 months
📄 Monthly statements are generated on the 1st of each month. Download PDF copies for your records or taxes.
Tax Documents
Form 1099-INT — Interest Income 2025
Form 1099-INT — Interest Income 2024
Secure Messages
No messages yet. Click "New Message" to contact the bank.
⛭ My Crypto Wallets
Live
No wallets assigned yet. Contact the bank to get your crypto wallet addresses.
Convert Crypto to USD
ℹ Select the coin and enter the amount you want to convert to USD. Your bank balance will be credited once the transaction is verified on-chain by the bank.
The bank will verify your transfer on-chain and credit your account within 1 business day. You will receive a message confirmation.
Send Crypto
To send cryptocurrency from your wallet, send a secure message to the bank with the recipient address, coin and amount. Your admin will process the outgoing transfer.
Supported Cryptocurrencies
Recent Transactions
⌛ Loading…
Personal Information
Verified
Sign Out of Account
Your data is safely stored and ready when you return.
Edit Profile
Change Password
Security
Two-Factor AuthEnabled
Encryption256-bit SSL
Last LoginJust now
→ Sign Out
Signing out will end your session on this device. Your account data is securely stored in the cloud.
Identity Document
🌐 Translate:
Bank Overview
Admin
0
Total Customers
$0
Total Deposits
0
Transactions
0
Accounts on Hold
Recent Activity
No activity yet.
Customer Balance Summary
No customers yet.
All Customers
No customers yet.
All Transactions
No transactions yet.
Transaction Fee Settings
Fees configured here apply automatically to customer transactions and are shown before they confirm any transfer.
🔒 Place Account Hold
How holds work: When a hold is active, the customer's next transfer will run to 95% then stop and show them your hold reason plus any fee required. The transaction is saved as held. Once you release the hold from admin, a Complete Transaction button appears in their Transaction History.
Accounts Currently on Hold
0 holds
No accounts on hold.
🔐 Apply Verification Code
How codes work: When a code is active for a customer, their next transfer will stop at 77% and ask them to enter the code. Once they enter the correct code the transfer completes automatically. Share the code with the customer whenever you are ready.
Active Verification Codes
0 active
No active verification codes.
Credit or Debit an Account
📅 Backdate Transaction
Add a transaction to any past date. It will appear in the customer's history exactly like a normal transaction — no labels, no indicators that it was backdated. Only the description you enter will show.
🤖 Auto-Generate Transaction History
Describe the transaction history you want to create for a customer. The AI will generate realistic, professional-looking transactions based on your description. Minimum 15 transactions per generation.
⛭ Assign / Update Crypto Wallet Address
Assign a wallet address for any coin to any customer. The customer will see this address in their Crypto Wallet section to receive payments. You can update it at any time.
All Customer Crypto Wallets
No wallets assigned yet.
⛭ Credit / Debit Customer Crypto Balance
Adjust how much of a coin sits in the customer's crypto wallet balance. This is the actual coin holding shown to the customer on their Crypto Wallet page — separate from their USD bank balance.
Credit Bank Account from Crypto Conversion
When a customer wants their crypto converted to USD and moved into their bank balance, use this. It debits their crypto balance and credits their checking or savings — keeping both sides in sync.
⚠ This will debit the coin amount from the customer's crypto balance and credit the USD amount to their bank account. Make sure both amounts reflect the real conversion rate.
🛡 Security Settings
Configure the automatic security thresholds for all customer accounts.
A transfer over this amount AND 4× the customer's recent average will be auto-held for review.
If a customer makes this many transfers within 24 hours, the next one is auto-held.
Releasing a hold tied to a transaction at or above this amount will require the admin password to be re-entered as confirmation.
🔐 Change Admin Password
Your admin password is used to access the admin panel. Choose a strong password and keep it secure.
Admin Credentials
Usernameadmin
Password••••••••
Access LevelSuperuser
Customer Messages
No customer messages yet.