If you live in Tennessee and love your local sports teams, here's a banking bonus that might actually make you smile. Pinnacle Financial Partners is running two separate promotions right now: one for Titans fans and one for Grizzlies fans. Both offer a crisp $200 bonus, but they have slightly different deadlines and account options. Let's break down what you need to do to grab that cash.
Two Offers, One Goal: $200 in Your Pocket
Pinnacle Financial Partners is a regional bank founded in Nashville back in 2000. They've got a strong local focus, and these promotions reflect that. You can choose between a Titans-themed checking account or a Grizzlies-themed one. Both come with a $200 cash bonus if you meet the requirements.
The Titans offer expires March 31, 2026, while the Grizzlies offer runs until May 30, 2026. So you've got a bit more time if you're a basketball fan, but either way, don't drag your feet.
How to Earn the Bonus – Step by Step
The process is pretty straightforward, but you need to follow each step carefully. Here's what you'll need to do:
- Open a new Titans or Grizzlies checking account online or at a branch.
- Deposit at least $100 when you open the account. That's your minimum opening deposit.
- Set up a recurring direct deposit of your full paycheck or government benefits. P2P transfers like Venmo or PayPal won't count.
- Make sure at least $300 in qualifying direct deposits posts and clears within 90 days of account opening.
- Once you meet the requirements, Pinnacle will deposit the $200 bonus into your account within 2-4 weeks (Titans) or 2-3 weeks (Grizzlies).
Watch Out for Monthly Fees
One thing that can eat into your bonus is the monthly maintenance fee. The good news is that all of these fees are avoidable. For the Basic accounts, just enroll in eStatements and the $5 fee disappears. For Plus accounts, keep at least $1,000 in your account daily on average. For Premium accounts, you'll need a $5,000 average balance or $25,000 in combined deposits. Pick the tier that fits your banking habits.
A Few Things to Keep in Mind
These offers are for new checking households only. If you've had a Pinnacle consumer checking account in the last 24 months, you're not eligible. Also, you can only get one bonus per household, so choose your team wisely. The bonus is considered taxable income, so expect a 1099-INT form next tax season. And remember, no early account termination fee, but you'll want to keep the account open at least long enough to get the bonus – typically a few months.
Bottom Line
- Two separate $200 bonuses for Titans and Grizzlies checking accounts.
- Requires $100 minimum deposit and $300 in qualifying direct deposits within 90 days.
- Monthly fees range from $5 to $15 but are all avoidable with eStatements or minimum balances.
- Offers expire March 31, 2026 (Titans) and May 30, 2026 (Grizzlies).
- Only one bonus per household, and you must be a new customer or haven't had an account in 24 months.
Common Questions
Can I get both the Titans and Grizzlies bonuses?
No. The fine print says one bonus per household, so you can only take advantage of one of these offers.
What counts as a qualifying direct deposit?
Recurring deposits from your employer (payroll) or government benefits like Social Security. Peer-to-peer transfers, cash deposits, or transfers from another Pinnacle account won't work.
Is there a penalty if I close the account early?
No early account termination fee, but you should keep the account open until the bonus posts to avoid any issues.
Do I need to live in Tennessee?
Yes, these offers are only available to residents of Tennessee, and you'll likely need to visit a branch or have a Tennessee address.
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