Saving and Investing

Turn Lazy Money into Smart Savings

Even if you don’t have a lot of extra funds once your bills are paid, you may still have “lazy money”—money that sits idle and isn’t working hard enough to meet your goals. This post unpacks myths that may be stalling your savings and offers tips to get your money on track.

Want to see how your money can grow? Try our Millionaire Calculator.

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Grow your money with a High Yield Relationship Savings account. Enjoy rates between 0.25% APY^ and 2.63% APY^ when you open an account with a minimum opening balance of $25,000∫ new money to Banner Bank and a Banner Bank checking account.
High Yield Savings Details
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Annual Percentage Yield (APY) accurate as of 1/26/2026. Rates may change. The interest rate tier is determined by the actual daily account balance. Monthly service charge of $10 is waived when you meet one of the following criteria during that monthly statement cycle: $5,000 minimum daily balance or $10,000 average daily combined balance for checking and savings deposit relationship. If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.  Public fund accounts not eligible.  Additional restrictions may apply. View current rates.

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Minimum opening balance of $25,000 must be new money to Banner Bank.