Banner's Best Checking Account

The checking account that comes with everything.

No ATM fees anywhere in the U.S. Plus, earn more interest with higher balances. And, earn 0.25% over posted rates on new and renewed Certificates of DepositΘ.
Open an Account Online

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

With Banner’s Best Checking, you also get:

person at an ATM
  • Earn Interest

    Earn premium tiered interest on your checking account. View current rates.

  • Bank Anywhere, Anytime
    Access your accounts from your desktop, tablet or smartphone with online and mobile banking and Bank-by-Phone.
  • Pay Anyone
    You can pay bills and pay people – and choose the date your payment arrives.
  • Opportunities to Earn More
    Earn 0.25% over posted rates on new and renewed Certificates of Deposit and a 0.25% rate reduction on new consumer loans†, in addition to 0.25% for automatic payments.Θ
  • Outstanding ATM Benefits
    Use any ATM in the U.S. and we'll reimburse the surcharge fees.^
  • Waivable Monthly Service Charges
    $12 monthly service charge, waived with minimum daily balance of $5,000 or $10,000 average daily balance; or an $25,000 average combined relationship deposit balanceΔ
  • Low Balance Requirements
    Open a checking account with as little as $50π with no minimum balance required.
  • Digital Wallet

    Use Apple Pay, Google Pay, and Samsung Pay on supported Apple, Samsung, and Android devices.‡

  • Easy to Access Statements

    No cost for paper statements. Keep your financial information safe and accessible anytime with Electronic Statements & Notices.

  • Overdraft Protection

    With overdraft protection you can link to a savings account or line of credit to cover your purchases.»

  • Banner Savings Account

    Open a savings account with as little as $25 and auto transfer from this checking account.

  • Debit Card Security
    Your personal debit card♠ is covered by Mastercard® Zero Liability Protection and you can register for Mastercard Identity Theft ProtectionTM.
  • Additional Benefits
    Direct deposit available. No cost for cashier's checks or money orders funded from this account. Discounts on check orders and 50% off safe deposit annual rental fee when you use auto-pay.

Applying for a checking account is easy.

Find a Banner Bank location icon
Visit local branch
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Apply online

Not sure which checking account is right for you??

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Access the Deposit Account Agreement and Personal Accounts Schedule of Fees.

View the Banner's Best Checking Product Guide

When you apply online, you’ll create a secure, personal dashboard account to serve as your application hub. From this dashboard, you can track the status of applications, see any steps you need to take, and review and download disclosures. This dashboard will also retain many of the details you enter, speeding up the process if you apply for another product.
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Minors (age 12-17) are eligible to be an account owner if a parent or guardian (age 18 and older) is also an owner on the account. All account owners have full rights to withdraw, deposit and transfer funds.
^
Surcharges assessed by non-Banner ATMs will be reimbursed by Banner Bank to client's account.
Δ
The average daily checking/savings relationship balance includes all of the primary account owner’s checking, savings, and money market accounts on which they are a primary or joint account owner.
‡ 
Message and data rates may apply. May require authentication, registration, and/or activation.
†
Subject to credit approval. Does not include 1-4 Family mortgage or credit cards (excludes loan rate specials).
Θ
On selected terms and to be used for new certificates of deposit or at renewal (exclusions may apply).
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Overdraft protection by line(s) of credit subject to credit approval and limited to residents of Washington, Oregon, Idaho or California.

♠
Card replacement fee may apply.