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Pinnacle Bank operates as a commercial financial institution, providing a diverse array of deposit and credit services across Santa Clara, San Benito, and Monterey counties. Its deposit offerings include various checking, savings, money market, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS). For credit needs, individual clients can secure home equity lines of credit and financing for single-family home construction.