Three options for checking accounts.

We have a large network of ATMs to serve you.

Know what you want? If not, we can help you decide. Tell us about some features you know you want, and we’ll show you a solution.

I use my debit card a lot, including at ATMs when I’m traveling.

With Connected Checking, you’ll get ATM surcharge rebates on non-Banner ATMs anywhere in the world. 

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I carry higher balances and want to earn rewards

With Rewards Plus Checking, you’ll get ATM surcharge rebates on non-Banner ATMs anywhere in the world. You also get a nickel back with every debit card purchase.

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I keep higher balances and want to earn interest.

Banner’s Best Checking pays a competitive tiered interest rate and provides additional benefits.

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I rarely write checks and really just need a debit card and online banking.

The GoodStart account includes a MasterCard® debit card and no overdraft fees on everyday debit card transactions.

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With Banner Bank Checking, you'll get:

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Free online banking and bill pay

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Free mobile banking with Snapshot Deposit®

icon 24-7 bank by phone

24-7 Bank-By-Phone

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Pacific Northwest based customer contact center staffed by Banner employees

Feature Basic Checking Personal Checking Rewards Plus Checking Interest Checking
Service Charge

$3 — waived with at least 1 debit card transaction or 1 deposit per statement cycle

$0

$7 monthly service charge, waived with minimum daily balance of $1,500 or average combined checking/savings relationship deposit balance of $10,000^

$12 monthly service charge, waived with minimum daily balance of $5,000 or average daily balance of $10,000 or an average combined relationship deposit balances of $25,000^

Debit Card

Debit card includes unlimited usage. Use everywhere MasterCard® is accepted (that’s millions of locations). You’re covered by MasterCard’s Zero Liability Protection and won’t be held liable in the event of an unauthorized purchase. Your debit card includes a great benefit package (at no cost). For details, please click here

Eligible for Apple Pay™ on supported Apple devices

Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here


  • Use everywhere MasterCard® is accepted and you’re covered by MasterCard’s Zero Liability Protection. For details, please click here.
  • Use Apple Pay™ on supported Apple devices. To learn more, click here
  • Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here

  • Use everywhere MasterCard® is accepted and you’re covered by MasterCard’s Zero Liability Protection. For details, please click here.
  • Earn $.05 on every debit card transaction (paid monthly)
  • Use Apple Pay™ on supported Apple devices. To learn more, click here
  • Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here
  • Use everywhere MasterCard® is accepted and you’re covered by MasterCard’s Zero Liability Protection. For details, please click here.
  • Use Apple Pay™ on supported Apple devices. To learn more, click here
  • Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here

ATM Use

Free use of Banner Bank ATMs

Free use of Banner Bank ATMs, plus unlimited rebates of surcharges assessed by non-Banner owned ATMs worldwide*

Free and unlimited use of Banner Bank ATMs plus unlimited ATM surcharge rebates when using non-Banner Bank ATMs worlwide*

Free and unlimited use of Banner Bank ATMs plus unlimited ATM surcharge rebates when using non-Banner Bank ATMs worldwide*

Bank Anywhere
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay and Bank-By-Phone
  • To learn more about these features, click here
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay, Bank-By-Phone and eStatements
  • To learn more about these features, click here
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay, Bank-By-Phone and eStatements
  • To learn more about these features, click here.
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay, Bank-By-Phone and eStatements
  • To learn more about these features, click here.
Overdraft Protection
  • May be linked to a Banner savings account
  • To learn more about Overdraft Protection, click here
  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
Additional Benefits
  • Students can open an account with a parent or guardian signer
  • $2 money orders - up to four money orders purchased/month
  • Banner savings account. $25 opening deposit and at least $25/month transfer from your GoodStart Checking account required for monthly service charge waiver
  • Direct deposit available
  • Free Notary Public services
  • For clients aged 65 and up: 50% off any personal check style or pay just shipping and handling cost for Banner logo wallet checks
  • Unlimited checking writing
  • Banner savings account. $25 opening deposit and at least $25/month transfer from your Connected Checking account required for monthly service charge waiver
  • Direct deposit available
  • Free Notary Public services
  • Unlimited check writing
  • Unlimited MasterCard debit card usage
  • For clients aged 65 and up: 50% off any personal check style or free Banner Bank logo checks or pay just shipping and handling cost for Banner logo wallet checks
  • Free Notary Public services
  • Direct deposit available
  • Automatic savings plan available
  • Earn interest 
  • Unlimited check writing
  • Unlimited MasterCard debit card usage
  • 50% off any personal check style or free Banner Bank logo checks
  • 50% off safe deposit annual rental fee where available
  • Free cashier's checks and money orders
  • Free Notary Public services
  • Direct deposit available
  • Automatic savings plan available
  • Automatic loan payment available
  • Earn competitive tiered interest rates
    • 0.25% over posted rates on new and renewed Certificates of Deposit (excludes CD specials)¤
    • 0.25% rate reduction on consumer loans, in addition to 0.25% for automatic payment†
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* Applicable for ATM transactions worldwide. Surcharges assessed by non-Banner ATMs will be rebated by Banner Bank to client account.
† Subject to credit approval.
‡ Check with your mobile service provider for message and data rates.
¤ On selected terms and to be used for new certificates of deposit or at renewal.
§ Overdraft fee is charged if insufficient funds are available to clear checks, bill pay items or automated payments from your account.