Classic Checking

Woman opening a checking account- Edison, NJ- Pinnacle Federal Credit Union

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Looking for a FREE Checking Account in NJ? Look no further…WE’VE GOT IT! PLUS…Get rewarded for your debit card purchases and access to our popular MobiMoney App!

It’s your money… why should you have to pay for it? Bank for free and be rewarded for your purchases with our Classic Checking account. No monthly maintenance fee, no minimum balance requirements. Our Global Security Chip Card comes standard with your Classic Checking account. Protect your money with our popular MobiMoney app. Our Classic Checking allows you to focus on rewards…not requirements.

MobiMoney Debit Controls

Protect your money and stay in control with MobiMoney. Pinnacle’s all-new MobiMoney app allows you to control and manage your debit accounts, turn cards on and off, get transaction alerts, monitor fraud – even control who uses your accounts and how much they can spend – all from your phone. use it in conjunction with our Global Security Chip Card for even more security and convenience. How cool is that?

  • Card On/Off Turn your Pinnacle debit card on and off with a single touch. When the card is off, all transactions will be declined. Change the status instantly with the MobiMoney App.
  • Transaction Types Enable or disable specific purchases by merchant or transaction type
  • Location – Limit transactions to an area or region, including international transactions
  • Alerts – Location, spend limit, transaction type and merchant alerts available. Get an instant notification when a transaction is processed with your debit card.
  • Debit Users – Control who uses your card and how much they can spend

Download our MobiMoney App today.

Debit Rewards

Why not get rewarded for what you may already be doing? We are proud to introduce our Debit Rewards Perk Program! Your Points. Your Perks. Your Way!

Use your Pinnacle Debit Card for all of your everyday purchases*. Simply choose “credit” at the register and you will earn points. From fuel to groceries to utility bills, your everyday purchases will really pay off! You will earn 1 point for every $1 spent.


You can redeem your points for rewards including travel, gift cards, merchandise, experiences, green products, charitable donations, discount memberships and even cash back! Plus, keep track of your points that you earn, and check out everything you can redeem your points for! Click here to check it out!

Earn even more
Earn bonus points with our exclusive perks!

  • 5x points at our Perk Points Mall. Shop our online network of over 500 top national and regional merchants and be rewarded even more. You will earn 5x points on all purchases made online after selecting the links to the merchants through the Perks Points Mall. Many merchants offer exclusive discounts on top of the bonus points
  • 3x points at our More Points Superstore. Earn 3x points on all purchases, including brand name merchandise and popular gift cards for dining, entertainment, shopping and travel related expenses including hotels, fuel and car rental.

Save Big with Daily Deals.

We’ve pooled local deals into one, easy to access location. Save big on dining, shopping, fitness, and more. Access rewards and perks with our Rewards! site you can do all of this and more! Click here to check it out!

  • View your points
  • Redeem points
  • View rewards offers
  • Create a wish list of items
*Transaction that requires you to use your PIN number are not eligible to earn rewards. Moving On Checking and Business Checking Accounts are not eligible for this program.

Global Security Chip Card

Our Global Security Chip Card is our VISA debit card with a traditional magnetic strip and an embedded microchip for added security.The embedded microchip provides an added layer of security when used at chip-enabled ATMs and terminals. The embedded microchip provides unique data specific to your card and the transaction being processed every time you use it at chip-enabled ATMs or terminals. So, you are better protected from financial criminals.

Protecting you and your information. Take comfort that Pinnacle is taking steps to ensure your information is safely guarded. Our new Global Security Chip Card uses the most recent and advanced technology to help keep your personal account information safe. You are protected from unauthorized charges with VISA Zero Liability. Our 24 hour ATM/Debit Fraud Monitoring Center uses industry-leading technology to help prevent account fraud or loss. To contact you quickly, our Monitoring Center may send you a text alert.

Learn more about our Global Security Chip Card.

ATM Access

As a Pinnacle FCU ATM or Debit cardholder, you have access to over 30,000 FREE ATMs nationwide with our ATM CO-OP Network.The CO-OP ATM Network provides you with Savings, Convenience, Variety and Full Service Assistance.

Find Free ATMS

Download the free ATM Locator App:

App Store - MobiMoney Download
Google Play - MobiMoney Download

With nearly 30,000 CO-OP ATM network locations nationwide, 9,000+ which are deposit-taking, you are never far from your money when you need it. Convenience is KEY in your busy life and we’ve got you covered.

By using one of the nearly 30,000 ATMs in the CO-OP ATM network, you can benefit from “surcharge-free” transactions. Even if you are not present at one of our ATM locations, you can still use an in-network terminal and avoid the fees. Simply put: Keep your cash in your pocket, where it counts.

Aside from the thousands of credit union ATM locations, you can get cash at many popular retail locations such as Walgreens, Costco® and 7-Eleven®. So when you are out and about, entertaining a busy day’s schedule, your trusted CO-OP ATM network is never far from reach.

If you prefer to have that “personal, face-to-face” interaction of customer service, our full-service, branch network locations have you covered.

*There is no minimum balance requirements or monthly maintenance fees. A minimum deposit of $25 is needed to open a Classic Checking account. A share savings with a minimum deposit of $5 is required to open any checking account with Pinnacle FCU. Federally insured by NCUA.