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

The e-$ense account includes a MasterCard® debit card and no overdraft fees on everyday debit card transactions.

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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 U.S. You’ll also have the option to get a nickel back with every debit card purchase or earn TruRewards points.

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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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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 Interest Checking
Service Charge

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

$0

$12 monthly service charge, waived with minimum daily balance of $5,000 or average daily balance of $10,000

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

  • 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.
  • Choose your rewards program: Either earn $0.05 on every debit card purchase (paid monthly) or earn Banner’s TruRewards points on signature transactions that you can redeem for travel, merchandise and local rewards
  • For details about Banner’s TruRewards program, click here***
  • 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
  • Earn Banner's TruRewards points on signature transactions that you can redeem for travel, merchandise and local rewards.
  • For details about Banner’s TruRewards program, 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 US ATMs*

Free and unlimited use of Banner Bank ATMs plus unlimited ATM surcharge rebates when using non-Banner Bank ATMs in the U.S.*

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.
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
Additional Benefits
  • No overdraft charges on everyday debit card transactions§
  • Students can open an account with a parent or guardian signer
  • $2 money orders - up to four money orders purchased/month
  • Free Notary Public service
  • Direct deposit available
  • 50% off any personal check style for clients aged 65+
  • Banner savings account. $25 opening deposit and at least $25/month transfer from your Connected Checking account required for monthly service charge waiver
  • $300 closing cost discount on a Banner 1-4 unit real estate mortgage†
  • Direct deposit available
  • Automatic savings plan available
  • Automatic loan payment available
  • Free notary public services
  • 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
  • $300 closing cost discount on Banner Bank 1-4 unit real estate mortgage†
  • 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% discount on consumer loans, in addition to 0.25% for automatic payment†
Apply online
Apply online
Apply online

* Applicable for US ATM transactions only. 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.
*** To read TruRewards complete terms and conditions, click here.