Open an Account - Apply Now

Choose the Right Account for You.
Whether you’re looking for a personal account, business solution, commercial service or a home loan, compare features and benefits to pick the account that best meets your needs.
When you apply online, you’ll create a secure, personal dashboard account to serve as your application hub. From this dashboard, you can track the status of applications, see any steps you need to take, and review and download disclosures. This dashboard will also retain many of the details you enter, speeding up the process if you apply for another product.
Checking
Connected Checking
A no-cost account when you have $500 per month in direct deposit or minimum daily balance.
$4
waivable monthly service charge
$50
minimum opening deposit
2
ATM reimbursements each month
Not interest bearing
Rewards Checking
With a low monthly service charge, get coverage for yourself, your identity and your cell phone.
$6
monthly service charge
$50
minimum opening deposit
6
ATM reimbursements each month
Not interest bearing
Banner's Best Checking
Earn interest, enjoy relationship pricing, get unlimited reimbursements on any ATM in the U.S and options to waive the monthly service charge.
$12
waivable monthly service charge
$50
minimum opening deposit
Unlimited
ATM reimbursements
Banner's Digital Account
A fully digital account with no overdraft fees, a predictable monthly service charge and no check-writing abilities.
$3
monthly service charge
$25
minimum opening deposit
Not interest bearing
Savings and Money Market
Connected Savings
Earn interest and start savings with as little as $25.
$0
minimum balance
$25
minimum opening deposit
Money Market Savings
Earn interest with the option to write checks.
$0
minimum balance
$100
minimum opening deposit
Banner's Best Savings
Earn more when you save more with premium tiered interest rates.
$0
minimum balance
$100
minimum opening deposit
High Yield Relationship Savings
For higher balances, earn our best rates on a fully liquid savings account.
$0
minimum balance
$25,000
minimum opening deposit
Certificates of Deposit
7 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 7-month term.
3.56%
Annual Percentage Yield (APY)
+0.25%
over posted rates as a Banner's Best Checking account owner
$2,500
minimum opening deposit
9 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 9-month term.
3.30%
Annual Percentage Yield (APY)
+0.25%
over posted rates as a Banner's Best Checking account owner
$2,500
minimum opening deposit
13 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 13-month term.
3.30%
Annual Percentage Yield (APY)
+0.25%
over posted rates as a Banner's Best Checking account owner
$2,500
minimum opening deposit
36 Month Bump CD
Earn a fixed return on your insured savings with a one-time option to increase the rate during the term of the 36-month CD.
1.01%
max Annual Percentage Yield (APY)
+0.25%
over posted rates as a Banner's Best Checking account owner
$2,500
minimum opening deposit
Credit Cards
TruRewards® and WorldRewards® Mastercard® Credit Cards
These low variable rate cards reward you for your everyday purchases.
Earn 4 points per $1 spent
No fees for balance transfers, cash advance or over-the-limit
Low variable rates
Loans
Home Equity Loans
Use the equity in your home to finance improvements, major purchases or consolidate debt.
Finance home improvements, purchases & more
Make purchases with a Home Equity Rewards Mastercard®
Fixed interest rate options
Personal Loans
Tackle unexpected expenses with a personal loan or line of credit.
Secured or unsecured installment loan
Unsecured revolving line of credit
Option to link to a checking account for overdraft protection
Sallie Mae® Student Loans
Get the money you need to attend a degree-granting institution.
No origination fees
Multiple repayment options
Competitive interest rates
Vehicle Loans
Get the loan you need to purchase an automobile or recreational vehicle.
Financing for new and used automobiles
Financing for motor homes, travel trailers, boats, ATVs, motorcycles and snowmobiles
Fast, in-house decision-making
Checking
Basic Business Checking
An account with a low monthly service charge for small businesses with fewer transactions.
200
items processed free per month, then $0.40 per item over
$100
minimum opening balance
Not interest bearing
Complete Business Checking
Manage higher volumes & transactions with the option to earn interest.
275
items processed free per month, then $0.40 per item over
$100
minimum opening balance
Option to earn interest
Complete Plus Business Checking
Simplify higher volumes of payment processing with complimentary treasury management services.
400
items processed free per month, then $0.40 per item over
$100
minimum opening balance
Not interest bearing
Analyzed Checking
For businesses with large deposit balances and transaction volumes, earnings offset the service charge.
Reduce monthly service fees with higher balances
Access advanced cash management solutions
Conduct high transaction volumes
Savings and Money Market
Business Savings
A rainy day savings account that includes overdraft protection.
25
items processed free per month, then $0.20 per item over
$100
minimum deposit
Earns interest
Business Money Market
A hard working account that earns interest with the ability to withdraw as much money as you need.
Write unlimited checks
$100
minimum deposit
Earns interest
Banner's Best Business Savings
A savings account that comes with all our best benefits.
25
items processed free per month, then $0.20 per item over
$100
minimum deposit
Earns premium tiered interest
Business High Yield Relationship Savings
A savings account with tiered interest so the more you save, the more you'll earn.
Earn higher rates in a fully liquid account
$25,000
minimum deposit
Business Certificates of Deposit
7 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 7-month term.
3.56%
max Annual Percentage Yield (APY)
$2,500
minimum opening balance
9 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 9-month term.
3.30%
max Annual Percentage Yield (APY)
$2,500
minimum opening balance
13 Month CD
Earn a high return on your insured savings with a fixed interest rate for the 13-month term.
3.30%
max Annual Percentage Yield (APY)
$2,500
minimum opening balance
36 Month Bump CD
Earn a fixed return on your insured savings with a one-time option to increase the rate during the term of the 36-month CD.
1.01%
max Annual Percentage Yield (APY)
$2,500
minimum opening balance
One-time bump option to increase the rate during the term
Credit Cards
Business Cash Rewards Mastercard®
A business card with no annual fee and cash rewards on all your purchases.
0% introductory APR
for 6 months on purchases
2% cash back
on business expenses
No annual fee and low transactional fees
Business Platinum Mastercard®
A business card with low rates and an extended introductory APR period.
0% introductory APR
for 12 months on purchases and balance transfers
Online access to manage your card and receipts
No annual fee for you and your employees
Loans
Agricultural Loans
Get custom financing solutions for the unique product cycles of west coast agri-business.
Lending for crop production, ranches, orchards, vineyards, wine producers, ag operations and equipment financing
General terms are typically for 1 year
Tailored financing
Business Acquisition
Find the right mix of equity and debt to expand your business.
Lending for acquisition, partner buyout or to bridge short-term requirements
Financing terms typically up to 7 years
Fixed- or variable-rate loan options
Equipment Loans
Multiple options to finance new equipment to support your business needs.
For restaurants, ag operations, manufacturing, medical equipment, heavy machinery and more
Loan terms up to 7 years
Fixed- or variable-rate loan options
Lines of Credit
Support operating expenses and improve liquidity.
Help cover operating expenses, revenue fluctuations, accounts receivable and more
Secured and unsecured lines of credit
Flexible financing
Municipal Lending
Unique financing programs for local municipalities to foster economic growth.
Financing for cities, towns, counties and special purpose districts
Consultative approach to structuring and terms
Competitive rates, terms and repayment schedules
Owner Occupied Real Estate Financing
Build equity and alleviate the uncertainty of renting or leasing.
Purchase, retrofit or improve your commercial property
Standard terms up to 10 years
Fixed- or variable-rate options
QuickStep Loans
Swiftly meet business capital needs with financing of $5,000 to $2 million.
Purchase equipment, purchase or refinance commercial property or expand your business
Loans or lines of credit
Fixed- or variable-rate options
SBA Lending
SBA Loans and SBA Express Loans can help you start or expand a business, purchase equipment, finance inventory and much more.
Start or expand a business, purchase equipment, finance inventory and much more
Typical terms range from 7 to 25 years
Lower down payments and extended loan amortizations
Commercial Real Estate
Affordable Housing Financing
Loans to build and revitalize neighborhoods in your community.
Develop affordable and sustainable housing throughout the West
Financing for construction and renovation projects
Terms negotiated based on the particulars of the project
Home Builder Financing
Watch your construction project take shape with customized homebuilder loans.
Financing for single family detached and attached housing subdivisions, lot and land acquisition, land development & more
Typical loan amounts between $3 and $25 million
Terms negotiated based on the particulars of the project
Income Property Financing
Custom loan programs for construction and income-producing real estate.
Financing for multifamily, mixed use, office, retail, warehouse and industrial, select hospitality and select self-storage
Typical loan amounts between $3 and $25 million
Terms negotiated based on the particulars of the project
Home Loan Options
Purchase | Refinance | Construction
Our mortgage options have you covered from your first home to your dream home, and every stop in between.
Fixed-rate Mortgages
Construction & Lot Loans
First-time Homebuyer