Personal Checking Account Options | Apply Online Today

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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
  • Robust digital tools: Online Banking, Mobile Banking, Bill Pay, eStatements, Direct Deposit, Digital Wallet, Snapshot Deposit, and Personal Financial Management

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

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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

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Banner's Best Checking Features and Benefits

  • Monthly service charge of $12 waived with minimum daily balance of $5,000 or average daily balance of $10,000 or average daily combined checking/savings relationship deposit balance of $25,000Δ
  • No ATM fees anywhere in the U.S.
  • Earn more interest with higher balances. And, earn 0.15% over posted rates on new and renewed Certificates of Deposit.
  • 50% off any personal check style (with standard shipping), or free Banner logo wallet or duplicate checks (with standard shipping) and 50% off safe deposit annual rental fee when auto-pay is set up from your Banner's Best Checking account
  • Cashier's checks and money orders included when funded directly from your Banner's Best Checking account
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Rewards Checking Features and Benefits

  • Monthly service charge of $6
  • Identity theft monitoring, accidental death and dismemberment insurance⊗, ⋊, ♠ and cell phone protection included
  • Use any ATM in the U.S. and we'll refund the fees, up to 6 times per calendar month^
  • $15 discount on annual rental fee when auto-pay is set up from your Rewards Checking account
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Connected Checking Features and Benefits

  • Monthly service charge of $4 waived with minimum daily balance of $500 or $500 or more in direct deposits per monthly statement or account holder is aged 24 or younger
  • We'll reimburse the surcharges for withdrawals made from any ATM, anywhere in the U.S., up to 2 times per calendar month
  • $15 discount on annual rental fee when auto-pay is set up from your Connected Checking account

Choose from three checking accounts to meet your needs:

  • Banner's Best Checking
  • Rewards Checking
  • Connected Checking®
Earn premium tiered interest and no ATM fees anywhere in the U.S. with Banner's Best Checking
Shopper banks on mobile app while drinking coffee
  • Earn more interest with higher balances
  • We reimburse the fees for any ATM you use in the U.S.
  • Online and mobile banking, bill pay, digital wallet
Rewards Checking offers 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
Bank when and where you want with Connected Checking
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  • $0 monthly service fees with $500 or more in direct deposits a month or a minimum daily balance of $500 or more, or account holder is under age 25 
  • Use any ATM in the U.S. and we'll refund the fees up to 2 times per calendar month
  • Online and mobile banking, bill pay, digital wallet
  • Open an account with as little as $50
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. Check with your mobile service provider for message and data rates.
Coverage divides equally on joint accounts and reduces by 50% at age 70.
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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.