Pinnacle Bank's Neligh branch is at 324 Main Street, in the ornate terracotta-trimmed bank building that is one of the best pieces of architecture in the Downtown Neligh Historic District. It is a full-service branch: personal accounts, ag lending, commercial lending, consumer loans and home loans, with a deposit-image ATM on site. There is a separate drive-up facility with an ATM further along Main Street at 424. Ag lending is the part that matters most locally, since a farm operating loan is not something you want to arrange with a call center. Pinnacle is one of the largest independent community banks in Nebraska. The branch number is 402-887-4143 and post goes to PO Box 129.