Information security is one of our highest priorities. We use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems, especially those accessible from the Internet. Some of the measures we take are very apparent – encryption of sensitive data, password protections, etc. Some protocols, although less obvious, are equally effective. For example, your User ID and password are entered on a page that uses both the http and https protocols, the data you enter is encrypted when you enter it. Once you click the ‘LOGIN’ button, we secure the connection to our servers using SSL technology, then transmit your User ID and Password. Once received, this information is transported within our systems via an encrypted network.

Following are descriptions of some of the layers of technology we employ to help ensure the confidentiality of your transactions:

Browser Encryption, Username and Password, Network Security and Monitoring

Browser Encryption

We require the use of a 128-bit secure, JavaScript enabled browser to login to your account and perform transactions. Internet Explorer, Safari, Chrome and Firefox are all secure browsers. If you are not using one of these browsers, or feel your browser does not meet the security requirements of, use one of the following links to download an upgraded browser.

Remember that once you’ve downloaded the proper browser, you must install it on your computer. Follow the browser manufacturer’s instructions that appear on your screen.

Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts—or scrambles—the communication (ie. your account information) so it’s virtually impossible for anyone other than Pinnacle Bank to read it.

What is SSL?

SSL is a protocol designed by Netscape Communications Corporation to provide secure communications on the Internet. SSL does three things:

SSL authenticates that the server you have connected to is the one it purports to be. You can be assured that you are actually communicating with the bank, and not a third party trying to intercept the transaction.

SSL creates a secure communication channel by encrypting all communication between the user and the server.

SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count or checksum provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this checksum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

How can I tell when my connection is secure?

The padlock or key icon on your browser, indicating a secure connection, should appear locked or connected AFTER you have successfully logged in to the website. The padlock icon may not appear locked on screens where you are not logged on and where we display general information about the site. However, you can be certain that any screen which displays or requests information about your account, username, password, application, or any other sensitive information is encrypted.

Username and Password

To access account information, you must provide a username and a password to enter the secure area of the site. Your password is not displayed when entered. If you do not provide this information, we cannot establish an online banking service for you.

How I can protect myself?

Don’t share your password

Never reveal your password to anyone. Never write it down where anyone can find it or figure out what it is. Change your password often, and be sure that you do not use common words that can be found in a dictionary, or numbers in a series. Try using birthdays combined with pet names, or sports teams combined with a birthday for example. Never access the banking site from a computer that an untrusted individual may have access to.

Treat your online username and password with more care than you use for your automated teller machine (ATM) or credit card personal identification number (PIN). With the PIN, you need to present the card. Here you only have the password. In addition, you should make sure that no one is physically watching as you enter your password. Also take standard precautions to keep your computer free from viruses.

Log Out

Please use our “Log Out” feature if you are going to be away from your computer for an extended period of time. Logout will end your session, and you will have to submit your username and password before entering the website again. We strongly recommend shutting down your browser as a good way to prevent others from using your access.

After a period of inactivity your current session on the website will automatically timeout. To restart your session, re-enter your username and password at the log in screen.

Network Security and Monitoring

Firewalls are used to shield our systems and proprietary networks from any unauthorized Internet traffic. The purpose of a firewall is to ensure only authorized traffic is allowed to pass to our systems and networks—all other traffic from the Internet is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring. Once your information has been entered, we use an encrypted network to transport data between all our systems and our partner systems to make online banking secure and to protect your personal information. Ensuring the security of your financial transactions is an ongoing process at Pinnacle Bank. As such, we employ around the clock security monitoring of our systems and networks.


Inquiries sent through our website pages use secure socket layer (“SSL”). Since our e-mail response back to you is not secure, we will not include confidential account information in the response. You may also contact us by phone or U.S. mail.

Security Definitions

Encryption: A method of scrambling information while it moves from one source to another to prevent others from reading it.

Online Purchasing: Buying goods or services over the Internet.

Secure Browser: An Internet browser that has SSL encryption version 3.0 or higher to conduct secure financial transactions over the Internet. To download the most secure version, visit for Microsoft Internet Explorer.

Secure Socket Layer (SSL): A form of encryption that protects information being transmitted over the Internet to prevent tampering while it’s in transit.

Secure Transaction: A transaction that is protected from outside tampering.

Firewall: Firewalls are used to shield our network from the Internet.

Cookies: A “cookie” is a small text file placed on your hard drive by our web page server. Cookies are commonly used on websites and do not harm your system.