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 0.15% over posted rates on new and renewed Certificates of Deposit.

With every Banner Bank checking option, you'll get:

With Banner’s Best Checking, you also get:

Limited time HELOC rates as low as 5.25% APR*

Any time is a great time to make home improvements, but for a limited time, your options are even better with a special rate.

  • Apply for a Home Equity Line of Credit between September 1 - November 4, 2022
  • Access your HELOC funds and earn rewards with a HELOC Mastercard®
  • 0.25% discount when you have a Banner’s Best checking account and 0.25% discount with auto-pay
  • No annual fee for 12 months

Applying for a checking account is easy.

Not sure which checking account is right for you?

Available to individuals aged 18 or older.
Surcharges assessed by non-Banner ATMs will be rebated by Banner Bank to client account. 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.
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.
Message and data rates may apply.
Subject to credit approval. Does not include 1-4 Family mortgage or credit cards (excludes loan rate specials).
On selected terms and to be used for new certificates of deposit or at renewal (excludes CD specials).
APR (Annual Percentage Rate) is fixed for the first 12 months, followed by a floating rate of WSJ Prime plus 0.99% with a floor rate at 4.24%. Rate includes discounts of 0.25% with auto-pay and 0.25% for having a Banner’s Best checking account. $200 documentation fee. Annual fee of $125 is waived the first year. Maximum Loan-to-Value is 80%. Requires a minimum FICO score of 800. Excludes existing Banner Bank HELOC clients and non-owner occupied transactions. Residential appraisals only, no commercial appraisals. Subject to credit approval. Available for applications submitted between September 1, 2022 and November 4, 2022.

Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients.