Banner's Best Checking Account

Woman with shopping bags and using her phone

The checking account that comes with everything.

No ATM fees anywhere in the U.S. Plus, earn more interest with higher balances. And, get $.05 back on every debit card purchase transaction.

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


Mobile banking with Snapshot Deposit®


24-7 Bank-By-Phone at 800-527-6435

Contact center

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

With Banner’s Best Checkingπ, you’ll also get:


Bank Anywhere, Anytime

Access your accounts from your desktop, tablet or smartphone with free online and mobile banking and Bank-By-Phone.‡

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


Low Opening Balance

Open a checking account with as little as $50.

Monthly Service Charges

$12 monthly service charge, waived with minimum daily balance of $5,000 or average daily balance of $10,000 or an average combined relationship deposit balances of $25,000Δ

Pay Anyone

You can pay bills and pay people – and choose the date your payment arrives.

Overdraft Protection

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

Banner Savings Account

Open a savings account with as little as $25 with no monthly service charge if account balance requirements are met.

Includes free eStatements

Sign up for eStatements

Avoid the paper pile-up and keep your financial information safe and accessible anytime with eStatements.

Digital Wallet

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

Extra Security

You’re covered by Mastercard’s Zero Liability Protection and can register for Mastercard Identity Theft Alerts.


More Ways to Pay

No fees on cashier's checks and money orders when you fund them with your Banner's Best Checking account. Write unlimited checks – and get 50% off any personal checks or free Banner logo wallet or duplicate checks (with standard shipping).

Additional Benefits

Direct deposit is available. No fees on check images with paper statements and 50% off safe deposit annual rental fee.

Not sure which checking account is right for you?

Applying for a checking account is easy.

Download a schedule of deposit account fees for personal checking and personal savings accounts.
Available to individuals aged 18 or older.
Debit card earnings paid monthly. Banner Bank does pass through a 1.10% Currency Conversion fee (based upon the transaction's U.S. dollar amount), on transactions conducted in non-U.S. currency.
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.
Check with your mobile service provider for message and data rates.
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).

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

APR (Annual Percentage Rate) fixed for first 12 months, followed by a floating rate of WSJ Prime plus 0.24% with a floor rate at 4.49%. Rate includes a 0.25% discount with auto-pay AND 0.25% for Banner’s Best checking account.  Annual fee of $75 is waived the first year. Maximum Loan to Value is 80% (see rate sheet). Requires a minimum FICO score of 750. Excludes purchase money and non-owner occupied transactions. Residential appraisals only, no commercial appraisals. Subject to credit approval. Available for applications submitted between March 2, 2020 through May 1, 2020.

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