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Bringing over 20 years of experience in business and consumer banking, Dustin Young is Pinnacle Bank’s Senior Vice President – Market Manager in Augusta. A native of Augusta and graduate of Butler High School, Dustin earned his bachelor’s of business administration with a major in finance and graduated Magna Cum Laude from Augusta University.

Through his involvement with the Rotary Club of Augusta — where he’s been a member for 13 years — he has served the local community, including a year as the benevolent organization’s president. Dustin believes in the importance of giving back and making relationships that last.

Beyond banking and attending to the financial needs of customers, Dustin enjoys watching movies with his wife, playing golf with his four daughters, strumming his guitar and working on cars. Dustin has big plans for helping customers and we’re thrilled he’s on the team!

Regardless of the size of a business, the seamless and efficient handling of assets, holdings and day-to-day transactions remains a top priority. Treasury management is vital to balance cash flow levels and maximize liquidity across a business. Recognizing this need for the clients and communities we serve, Pinnacle Bank proactively built a team with the capabilities and resources to equip various organizations with precisely what’s needed — and nothing more.

What is Treasury Management?

Proper treasury management creates a robust portfolio of tools, services and guidance that help streamline cash management, enhance transactions and vendor operations and ultimately reduce any risk across an enterprise. Additionally, it helps retain compliance with the regulatory and governing bodies of a company. Lastly, treasury management establishes and maintains procedures and policies dealing with overall cash flow such as accounts payable, receivable, the costs of borrowing and any exchange rates.

Within Pinnacle Bank, our Treasury Management Services team is a specifically trained, highly specialized group carved out to directly assess and address our business customers’ unique investment and risk coverage. Like any professional relationship, the Pinnacle Bank team first seeks to understand what those needs might be, often requiring a certain degree of consultation and discussion.

In summary, Treasury Management Services at Pinnacle Bank are available, however and whenever your business may need them. We’ll never try to sell you anything and will always suggest a product or service we think will truly benefit your organization.

What are Treasury Management Services?

In addition to the traditional business banking offerings we offer, like business checking and savings accounts, our Treasury Management Services include the following:

1. Merchant Capture – We get it. When your establishment is open, you need all hands on deck tending to the business. It’s tough to get away and get to us, even if we’re across the street. With Merchant Capture, you can quickly and securely scan endorsed checks for deposit. We’ll handle the transmission and processing on our end so you can keep your business running. For more, visit:https://www.pinnaclebank.com/business/treasury-management-services/merchant-capture/
2. Fraud Defense – Unfortunately, scammers and thieves have been targeting businesses for some time, thinking they can exploit any weaknesses for their own gain. That’s why we offer Positive Pay for Precision® to protect against check fraud, notifying you promptly should it determine any suspicious activity. Our Fraud Defense is crafted to give you more control over the payment of checks. For more, visit: https://www.pinnaclebank.com/business/treasury-management-services/fraud-defense-with-positivepay/
3. HR, Payroll Merchant Services – At the heart of every organization is its people. That’s why good companies invest in this most important asset every day. We partnered with Heartland® to make payroll and HR solutions more streamlined and efficient. Talk to someone today who can help you help your people even more! For more, visit: https://www.pinnaclebank.com/business/heartland-payment-services/
4. Business Credit Cards – These days, credit can help businesses secure the goods and materials needed before future payment. As part of our Treasury Management Services offering, we’ve sourced five different MasterCard® credit cards built specifically for business. With slightly different features and benefits, businesses may choose from a Platinum Classic, Platinum Payback, Platinum Preferred, World Elite and World Elite Plus Pinnacle Bank Business Credit Card. For more, visit: https://app.thecardservicescenter.com/SelectionBusiness/index/7990
5. Business Online Banking – We invested in our financial technology to help individuals and business customers get ahead. With online business banking, your people can save time, enhance your cash flow and make cash management easy, all with the peace of mind in knowing your company’s information security is top of mind. For more, visit: https://www.pinnaclebank.com/business/treasury-management-services/business-online-banking/

The above summary only touched on what these products and services entail. We invite you to learn more about them by clicking on their individual links to determine how our Treasury Management Services can help your business today and tomorrow.

If you or someone in your company would benefit from an introductory discussion about our Treasure Management Services, feel free to reach out to any of our dedicated specialists here.

We’ve teamed up with Heartland® to offer you easy payroll and HR solutions to manage your greatest asset – your employees – while also protecting your business. Let us put you in touch with a Heartland Relationship Manager who can talk to you about fast, secure and simple solutions designed to help you better manage your business.

Ahhh, the holidays. It’s a magical season filled with good tidings and cheer. People bustle about, giving gifts and stopping to recognize friends both old and new.

They also spend a lot of money.

During December, while many people choose credit cards and loans to make purchases without affecting their cash flow, the reality is those bills will show up in January. Regardless of how you plan on filling those stockings, it’s good to make financial freedom your first New Year’s resolution.

Debt consolidation brings together all your current debts into one bundle with one payment. Executed well, debt consolidation can reduce the interest rates you were paying on your individual loans. And that means you can pay off those pesky debts that much faster.

We invite you to visit a branch to speak with someone about all of our loan possibilities. With their expertise, you can figure out the best decision for your financial situation.

Another option is to apply for a new Pinnacle Bank MasterCard® credit card with a competitive interest rate allowing balance transfers. Choose from Pinnacle Bank’s Platinum, Platinum Payback and Platinum Preferred MasterCard® credit cards!

Balance transfers allow you to move debt from one credit card to another, putting all of your debt in one place so you don’t have to pay interest on multiple cards. And with any of our credit cards, you get worldwide acceptance, great benefits and much more. Choose the card best suited for your needs and apply today on our website or in our branch.

Regardless of which route you choose, at Pinnacle Bank, we’ll be happy to walk you through every step in the process to ensure consolidating debt is the best option for you.

Get serious about financial freedom.

When you’re ready to talk about how Pinnacle Bank can help you manage your debt, we’ll be ready, too. Email us at customerservice@pinnaclebank.com or feel free to call us at 877.759.7939.

These days every organization is called to be a good corporate citizen. At Pinnacle Bank, we take this calling very seriously. Through our charitable giving and acts of service, we take action that reflects our community focus every day.

Pinnacle Bank strives to be the kind of financial institution aligning our values with yours and those of the greater community. While we focus primarily on financial products and services, we know that ethics, character and social impact are equally important.

Actions speak more loudly than words. So, we can’t just talk about helping to give back; we must act. Pinnacle Bank starts giving back before any charitable donations or volunteer hours are spent by focusing on the one subject their associates know best: financial matters.

We are committed to helping our customers and communities on their path to financial freedom and independence by offering many free financial education, tools and seminars.  We provide a mortgage resource center with mortgage tip videos, courses and workshops on building and managing credit, home buying and refinancing, saving and budgeting and planning for retirement.

When it comes to volunteerism, many of our associates are also glad to roll up their sleeves for causes greater than themselves. For example, as a part of Pinnacle Bank’s Salute the Troops initiative, all of our Pinnacle Bank branches partnered with HeroBox and launched a 3-month fundraiser, raising over $7,000 in donations. In addition, the branches went above and beyond by packing and sending care packages to our troops overseas. Their efforts ensure our mission in providing the physical and moral support our heroes deserve is fulfilled.

Denim and Donate is a program that all of our branches participate in on a monthly basis. It’s a way for Pinnacle team members to give back to local charities.

Pinnacle Bank also helps assist or host the chambers of commerce for many locales and business organizations. In fact, a few of our team members from Athens attended the Stronger Business Summit at the Classic Center in October. These unique experiences help educate leaders and businesses to become better and stronger — which, in turn, helps the people we serve in their communities.

Giving Back is a Part of What We Do.

To find out more details regarding our philanthropic and volunteer efforts in the communities we serve, feel free to email us at customerservice@pinnaclebank.com or call us at 877.759.7939.

The Gen Zers are coming! The Gen Zers are coming!

Generation Z, born roughly between 1997 and 2012, has arrived. At 9 to 24 years old, some of them are just now entering the workforce. As nearly 68 million of these people start earning paychecks and “adulting,” they’re also having a significant influence on the financial sector.

To properly understand Generation Z, you must look at what they value most in life and the unique environment in which they’ve developed. Growing up in the internet age, they are digital natives who’ve now experienced the Great Recession and the world’s first major pandemic since 1918. Logically, their work-life balance and personal well-being now come before anything else. How much money they make — or save for that matter — is important but does not surpass their passion for philanthropy, social justice, diversity and overall human equality.

There is no question: Gen Z will make money. A lot of money. In fact, some studies suggest their cumulative incomes will reach an estimated $33 trillion by 2030. Because of this great purchasing power, they will soon be the largest consumer segment, significantly affecting the broader economy and the financial sector.

And just what does this mean for banking? Everything. Banks must establish themselves as a vital part of the local community. They must also provide both the latest in financial tech and operate local branches to offer assistance, guidance and a base for philanthropic efforts.

Features like mobile and online banking, peer-to-peer payments like Zelle®, Mobile Wallet and remote deposit capabilities must be optimized and streamlined to keep Gen Z happy.

Hybrid technology options, like our Pinny Live Teller / ATM, are a perfect example of how we’re taking the ease and convenience of the traditional ATM and combining it with the personal, professional service of a live teller.

Generation Z likes its bank branches, too. Many turn to branches and call centers when opening a new checking account, resolving a complicated issue, or addressing potential fraud due to cybercrime. In addition, and despite the plethora of online resources, both Gen Zers and Millennials trust bank associates for financial management advice and guidance. They value personal connections, the face-to-face experience and trust brought about by discussing their finances and investments with actual human beings.

In the end, financial brands, like Pinnacle Bank, are recognizing the true power of Gen Z and are effectively seeking them out as partners when growing their physical and digital impact. For this exciting group, authenticity is king, and Pinnacle Bank is “keeping it real” with the products, services and manner in which we serve.

We’re Here for All Generations.

For more on how we’re reaching our communities, feel free to email us at customerservice@pinnaclebank.com or call us at 877.759.7939.