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Pinnacle Bank Texas Privacy Policy

Last Updated: March 29, 2026

This privacy policy describes how Pinnacle Bank Texas ("Pinnacle Bank," "we," "us," or "our") collects, uses, shares and protects your personal information. As a financial institution subject to the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, we are committed to safeguarding your nonpublic personal information and providing you with clear, transparent disclosures about our privacy practices.

Scope of This Policy

This privacy policy applies to all personal information collected by Pinnacle Bank Texas through our branch locations, website (pinnbanktx.co.com), mobile application, online banking portal, telephone banking, ATMs and any other channel through which you interact with us. It applies to current, former and prospective customers. This policy does not apply to information collected by third-party websites or services that may be linked from our website, even if they carry the Pinnacle Bank name or logo.

Pinnacle Bank Texas is a Texas-chartered financial institution regulated by the Texas Department of Banking and the Federal Deposit Insurance Corporation. Our privacy practices comply with all applicable federal and state laws, including the Gramm-Leach-Bliley Act (15 U.S.C. § 6801-6809), the Right to Financial Privacy Act, the Fair Credit Reporting Act and applicable Texas state privacy statutes.

Information We Collect

Information You Provide Directly

When you open an account, apply for a loan, enrol in online banking or otherwise interact with Pinnacle Bank Texas, you may provide us with the following categories of personal information:

  • Full legal name, date of birth, Social Security number or Tax Identification Number
  • Residential and mailing addresses, email address and telephone numbers
  • Employment information and annual income
  • Government-issued identification documents
  • Financial information including account numbers at other institutions, investment balances and property ownership
  • Beneficiary and joint account holder information

Information We Collect Automatically

When you use our website, mobile app or online banking portal, we automatically collect certain technical and usage information:

  • IP address, browser type and version, operating system
  • Device identifiers and device fingerprints used for security and fraud prevention
  • Pages visited, links clicked, time spent on each page
  • Login dates, times and session duration
  • Geolocation data (with your consent on mobile devices)
  • Cookies and similar tracking technologies as described below

Information From Third Parties

We may obtain information about you from consumer reporting agencies (credit bureaus), identity verification services, public records, and other financial institutions with which you hold accounts, to the extent permitted by law.

How We Use Your Information

Pinnacle Bank Texas uses your personal information for the following purposes:

  • Account Services: To open and maintain your accounts, process transactions, manage bill payments, execute wire transfers, deliver eStatements and provide customer service.
  • Lending: To evaluate and process loan applications, including mortgages, auto loans, personal loans, SBA loans and commercial real estate financing.
  • Security and Fraud Prevention: To verify your identity, authenticate your PinnBankTX login, detect and prevent fraud, and comply with anti-money laundering and Bank Secrecy Act requirements.
  • Communications: To send you account alerts, service notifications, regulatory disclosures and, where you have opted in, marketing communications about products and services that may benefit you.
  • Legal and Regulatory Compliance: To comply with applicable laws, regulations, court orders, subpoenas and regulatory examinations.
  • Business Operations: To analyse usage patterns, improve our website and digital banking platform, train our staff and develop new products and services.

How We Share Your Information

Sharing Permitted by Law

Under the Gramm-Leach-Bliley Act and its implementing regulations, financial institutions may share certain nonpublic personal information without customer consent for the following purposes:

  • Processing transactions you have authorised
  • Maintaining and servicing your accounts
  • Responding to court orders, legal process and regulatory examinations
  • Reporting to consumer reporting agencies
  • Protecting against fraud and unauthorised transactions
  • Complying with federal, state and local laws including anti-money laundering statutes

For detailed information about your rights under federal law, visit the Consumer Financial Protection Bureau.

Sharing With Your Consent

Pinnacle Bank Texas does not sell your personal information to third parties for marketing purposes. We do not share your nonpublic personal information with non-affiliated third parties for their own marketing purposes. If we were ever to do so in the future, you would be given the opportunity to opt out before any such sharing occurred, as required by the Gramm-Leach-Bliley Act.

Service Providers

We share information with service providers who perform functions on our behalf, such as data processing, statement printing, fraud monitoring, audit and examination services, and technology vendors. These service providers are contractually bound to use your information only for the purposes specified by Pinnacle Bank Texas and to maintain the confidentiality and security of your data. Service provider agreements are reviewed by our compliance team and include data protection requirements consistent with GLBA standards.

Your Rights and Choices

Opt-Out Rights

You have the right to opt out of certain information sharing as described in our annual privacy notice. You may also opt out of marketing communications at any time by calling 972-555-0100, visiting any branch, or adjusting your communication preferences through online banking under Settings > Communication Preferences. Opting out of marketing communications will not affect service-related communications such as transaction confirmations, account alerts, regulatory notices and eStatements.

Access and Correction

You have the right to access and request correction of your personal information held by Pinnacle Bank Texas. Contact us at 972-555-0100, visit any branch with a valid government-issued ID, or send a written request to the address provided at the bottom of this policy. We will respond to access and correction requests within 30 days. Please note that certain information may be retained as required by law or for legitimate business purposes even after you request deletion.

Do Not Track

Our website does not currently respond to Do Not Track browser signals. However, you can manage cookies and tracking through your browser settings. Disabling cookies may affect the functionality of our website and online banking platform.

Annual Privacy Notice

As required by the Gramm-Leach-Bliley Act, Pinnacle Bank Texas provides an annual privacy notice to all customers describing our information sharing practices and your opt-out rights. This notice is delivered electronically to eStatement enrollees and by mail to customers receiving paper statements. The annual notice supplements this online privacy policy and is available upon request by calling 972-555-0100. For more information about your financial privacy rights, visit the Federal Trade Commission GLBA resources.

Cookies and Tracking Technologies

Pinnacle Bank Texas uses cookies and similar technologies on our website and online banking portal for the following purposes:

  • Essential Cookies: Required for the functioning of our website and online banking platform. These include session cookies that maintain your authenticated state during a banking session, security cookies that support fraud detection, and preference cookies that remember your language and accessibility settings. These cookies cannot be disabled without breaking core functionality.
  • Analytics Cookies: Used to understand how visitors interact with our website, including pages visited, time spent on each page and navigation patterns. This data is aggregated and anonymised — it does not identify individual visitors. We use this information to improve our website structure, content and user experience.
  • Functionality Cookies: Allow our website to remember choices you make (such as branch location preferences) and provide enhanced, personalised features.

Pinnacle Bank Texas does not use third-party advertising cookies or retargeting technologies on our website. We do not participate in cross-site tracking or sell cookie data to advertising networks.

How We Protect Your Information

Pinnacle Bank Texas maintains comprehensive administrative, technical and physical safeguards designed to protect your personal information against unauthorised access, use, modification, disclosure or destruction. These safeguards include:

  • AES-256 encryption for data in transit (TLS 1.3) and at rest
  • Multi-factor authentication for all online banking access
  • Firewalls, intrusion detection systems and 24/7 security operations centre monitoring
  • Regular penetration testing and vulnerability assessments by independent security firms
  • Employee background checks and mandatory annual security awareness training
  • Physical access controls at all branch locations and data centres
  • Vendor security assessments and contractual data protection requirements

Our information security programme is designed to comply with the FFIEC Information Technology Examination Handbook, FDIC IT guidance, and all applicable federal and state data security regulations. The programme is overseen by our Chief Information Security Officer and reviewed annually by our Board of Directors.

In the event of a data breach affecting your personal information, Pinnacle Bank Texas will notify you in accordance with the Texas Identity Theft Enforcement and Protection Act (Texas Business & Commerce Code § 521) and any other applicable breach notification laws. Notification will include a description of the incident, the types of information affected, steps we are taking in response, and resources available to you.

Children's Privacy

Pinnacle Bank Texas does not knowingly collect personal information from children under the age of 13 through our website or digital banking platforms. Our online banking services are intended for adults and minors who are at least 13 years of age with parental or guardian consent. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at 972-555-0100 so we can take appropriate steps to delete the information.

Changes to This Privacy Policy

Pinnacle Bank Texas reserves the right to update this privacy policy at any time. When we make material changes, we will post the revised policy on this page with an updated "Last Updated" date and, where required by law, provide you with additional notice through email, account alerts or a prominent notice on our website. We encourage you to review this policy periodically to stay informed about how we protect your information.

Your continued use of Pinnacle Bank Texas products, services and digital banking platforms after a policy update constitutes your acknowledgment of the revised terms. If you do not agree with a policy change, you may close your accounts by visiting any branch or calling 972-555-0100.

Contact Us About Privacy

If you have questions about this privacy policy, wish to exercise your opt-out rights, or need to request access to or correction of your personal information, please contact us through any of the following channels:

  • Phone: 972-555-0100 (Monday-Friday 7am-7pm CT, Saturday 8am-1pm CT)
  • Mail: Pinnacle Bank Texas, Attn: Privacy Officer, P.O. Box 550100, Dallas, TX 75355
  • In Person: Visit any of our 14 branch locations across Texas
  • Online: Send a secure message through your online banking portal

You may also file a complaint with the Consumer Financial Protection Bureau or the Federal Trade Commission if you believe your financial privacy rights have been violated.