Looking for a low-cost, no-surprises account? This is the one. It’s especially popular with students. In fact, students can open an account with a parent or guardian signer.

If you mostly bank online, GoodStart is the right choice. It includes a MasterCard® debit card, Banner Online and Mobile Banking, plus features like bill pay and Snapshot Deposit®.

Apply online

Service Charge

$3 — waived with at least 1 debit card transaction or 1 deposit per statement cycle

Minimum Opening Balance


Personal Debit Card

Debit card includes unlimited usage. Use everywhere MasterCard® is accepted (that’s millions of locations). You’re covered by MasterCard’s Zero Liability Protection and won’t be held liable in the event of an unauthorized purchase. Your debit card includes a great benefit package (at no cost). For details, please click here

Eligible for Apple Pay™ on supported Apple devices

Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here

Monthly eStatement Charge


Bank Anywhere
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay and Bank-By-Phone
  • To learn more about these features, click here

Free use of Banner Bank ATMs

  • May be linked to a Banner savings account
  • To learn more about Overdraft Protection, click here
Additional Benefits
    • Students can open an account with a parent or guardian signer
    • Banner savings account. $25 opening deposit and at least $25/month transfer from your GoodStart Checking account required for monthly service charge waiver
    • Direct deposit available
    • Free Notary Public services
Apply online

‡ Check with your mobile service provider for message and data rates.

Adam Reiter

It doesn’t matter which branch I go to, they know my name. I can’t remember the last time I even had to give my account number.

Adam Reiter, Career Coach, Portland, Oregon

Adam Reiter

Personal Banking

He calls Banner Bank the "bank of me," and for this Portland-based client and career coach it's all about Banner's commitment to customer service.

As a young man, Adam worked as a messenger in Beverly Hills, a job that often took him to exclusive, private banks. He marveled at how they treated customers like kings, and wanted that experience, too. But he thought he’d need to be rich.

I’m still not rich,” laughs Adam. “But I feel rich when I walk into Banner. It’s where service is first, foremost and, for me, forever.

He became a Banner customer, as he puts it, “by accident.” When he felt taken for granted by another bank, he stepped into a Banner branch and was impressed right away. That was 5 years ago. “And I’ve been ditching my other banks ever since,” he says.

In his business, Adam prides himself on customer service. So he appreciates the service he finds at Banner. “It doesn’t matter which branch I go to, they know my name. I can’t remember the last time I even had to give my account number.”

Another part of Banner service he appreciates is the simple act of calling up and finding a person he knows. “They don’t outsource me or make me press 1 over and over. I call and get my issue solved. Just like that.”

“The other banks just don’t get it. They nickel and dime you and then try to give you a free mug,” says Adam. “I don’t want a free mug. I just want good service.”

Adam has one remaining account at another bank, and he’s switching it over at the soonest opportunity.

“I call it the ‘bank of me,’” he says. “That experience of walking into a bank and they know your name and they care about your business—that’s Banner Bank.”

Read more Community Stories.

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