Banner’s Personal Checking Account Options | Apply Online Today

Fall family hike

With a Banner Bank checking account, you can enjoy some seriously good benefits.

  • Nationwide ATM convenience
  • Bank anytime from your favorite device
  • Mastercard® debit card with Zero Liability Protection
Apply online

With all Banner Bank Checking accounts, you'll get:

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Online banking and bill pay
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Mobile banking with Snapshot DepositTM
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24-7 Bank-By-Phone at 800-527-6435
Contact center

Phone support provided by Banner employees at 800-272-9933

Choose from four checking accounts:

  • Banner's Best Checking
  • Pennant Checking
  • Rewards Checking
  • Connected Checking®
Earn interest, money back with debit card purchases and no ATM fees anywhere in the U.S.
Shopper banks on mobile app while drinking coffee
  • Earn more interest with higher balances
  • Earn $.05 back on every debit card purchase transaction
  • We reimburse the fees for any ATM you use in the U.S.
  • Online and mobile banking, bill pay, digital wallet
Account details
Get rewarded every time you use your debit card for purchases.
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  • Earn $.05 back on every debit card purchase transaction
  • Earn interest
  • Use any ATM in the U.S. and we'll reimburse the fees up to 6 times per calendar month
  • Online and mobile banking, bill pay, digital wallet
Account details
A checking account with added security and protection.
Rewards checking photo of family walking on beach
  • IDProtect® - Identity Theft Monitoring and Resolution Services∝
  • Cell Phone Protection⋈
  • Accidental Death and Dismemberment (AD&D) Insurance⊗, ⋊
  • Use any ATM in the U.S. and we'll refund the fees up to 6 times per calendar month
  • Earn $0.05 back on every debit card purchase transaction
Account details
Spend what you earn on what you love with no on-going minimum balance required.
Family flying a kite on the beach
  • $0 monthly service fees when enrolled in eStatements
  • Use ATM in the U.S. and we'll refund the fees up to 4 times per calendar month
  • Online and mobile banking, bill pay, digital wallet
  • Open an account with as little as $50
Account details

Choose the checking account that best fits you:

Apply Online
Best For
Minimum Opening Balance
Service chargeΔ
Waived with
Paper Statements and Paper Check Images
Earns interest
Mastercard® Zero Liability Protection
Debit Card Suspicious Activity Alerts
Access to Debit Card Controls mobile app
Debit Card Rewards: Earn $.05 on every debit card purchase transaction - paid monthly
Nationwide ATM convenience^
Unlimited Checkwriting
Check Order Benefits
Cashiers Checks and Money Orders
Identity Theft Monitoring and Resolution Services∝ from IDProtect®
Cell phone protection – covers damage or theft of primary line and up to 3 additional lines ⋈
Up to $10,000 in AD&D Insurance ⊗⋊
Safe Deposit Box Annual Rental
Earn 0.15% over posted rates on new and renewing CDs (excludes CD specials)
Get a 0.25% rate reduction on new consumer loans†, in addition to 0.25% for automatic payments.
Digital services including Online Banking, Mobile Banking, Bill Pay, Snapshot Deposit, and PFM tools
eStatement enrollment available
Personal Financial Management tools
Digital Wallet
Direct Deposit
Connected Checking® 
Apply Online

I like a hard-working account with no minimum balance requirements and access to cash when and where I need it.

More about Connected Checking

$50

$0 when signed up for eStatements

No ongoing minimum balance is required

Paper statements $2 per month, or $4 per month with check images (waived for clients aged 65 and up)

We'll reimburse the surcharges for withdrawals made from any ATM, anywhere in the U.S., up to 4 times per calendar month

For clients aged 65 and up: 50% off any personal check style (with standard shipping), or pay just shipping and handling cost for Banner logo wallet checks

Standard pricing applies. See personal fee schedule for details.∂

Standard costs apply

Apple Pay, Google Pay, Samsung Pay

Rewards Checking
Apply Online

I want added security such as identity theft protection, cell phone protection⋈ and AD&D insurance⊗⋊.

More about Rewards Checking

$50

$6

No waiver available

Paper statements $2 per month, or $4 per month with check images (waived for clients aged 65 and up)

ATM and Debit Card Benefits

Earn $.05 on every debit card purchase transaction

We'll reimburse the surcharges for withdrawals made from any ATM, anywhere in the U.S., up to 6 times per calendar month

Check Benefits

For clients aged 65 and up: 50% off any personal check style (with standard shipping), or pay just shipping and handling cost for Banner logo wallet checks

Standard pricing applies. See personal fee schedule for details.∂

Special Features

Standard costs apply

Additional Services

Apple Pay, Google Pay, Samsung Pay

Pennant Checking
Apply Online

I carry higher balances, use ATMs when I travel and want to earn rewards.

More about Pennant Checking

$50

$7

  1. • Minimum daily balance of $1,000, or
  2. • Average daily combined checking/savings relationship deposit balance of $10,000Δ

Free

Earn interest

Earn $.05 on every debit card purchase transaction

We'll reimburse the surcharges for withdrawals made from any ATM, anywhere in the U.S, up to 6 times per calendar month

For clients aged 65 and up: 50% off any personal check style (with standard shipping), or pay just shipping and handling cost for Banner logo wallet checks

Standard pricing applies. See personal fee schedule for details.∂

Standard costs apply

Apple Pay, Google Pay, Samsung Pay

Banner's Best Checking
Apply Online

I keep higher balances and want to earn interest. I frequently use ATMs when I travel and want to earn rewards on spending.

More about Banner's Best Checking

$50

$12

  1. • Minimum daily balance of $5,000, or
  2. • Average daily balance of $10,000, or
  3. • Average daily combined checking/savings relationship deposit balance of $25,000Δ

Free

Earn competitive tiered interest

Earn $.05 on every debit card purchase transaction

Enjoy unlimited surcharge rebates from any ATM, anywhere in the U.S.

50% off any personal check style (with standard shipping), or free Banner logo wallet or duplicate checks (with standard shipping)

Free cashier's checks and money orders when funded directly from your Banner's Best Checking account

50% off safe deposit annual rental fee when auto-pay is set up from your Banner's Best Checking account

Apple Pay, Google Pay, Samsung Pay

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Download a schedule of deposit account fees for personal checking and savings accounts.
⊗
These descriptions are summaries only and do not include all terms, conditions, and exclusions of the benefits. Refer to the guide to benefits or insurance documents for complete details of coverage and exclusions.
⋈
Cellular phone bill must be paid through this account. Covers primary line plus up to three additional lines listed on the cellular phone bill. May submit up to two claims per year, up to $400 per claim and $50 deductible per claim.
⋊
Coverage divides equally on joint accounts and reduces by 50% at age 70.
Δ
Minimum daily balance required to avoid a monthly service charge. Relationship balances include all checking and savings accounts including the primary account holder as either a primary or joint account holder.
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When using ATMs outside the U.S., there is a 1.10% Currency Conversion fee, which is based on the U.S. dollar amount. If you plan to use your Banner Bank debit card when traveling internationally, please notify us before you travel so we can adjust card restrictions.
†
Subject to credit approval. Does not include 1-4 Family mortgage or credit cards (excludes loan rate specials).
∝
Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.