Interest Checking: Banner’s Best Checking Account

Keep your eye on your financial goals with Banner’s Best Checking. The monthly service fee is waived when you maintain a minimum daily balance of $5,000, an average daily balance of $10,000, or an average daily combined checking/savings relationship deposit balance of $25,000. If you’re a saver then this is the account for you because the larger your maintained balance, the more interest you will earn.

Earn interest on your checking account with a competitive tiered interest rate. As an account holder, you don’t have to worry about finding a Banner Bank ATM, because we provide ATM surcharge rebates at any ATM in the world. Enjoy a variety of additional benefits as well.

Apply online

Service Charge

$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 $25,000^

Minimum Opening Balance


Personal Debit Card
  • Use everywhere MasterCard® is accepted and you’re covered by MasterCard’s Zero Liability Protection. For details, please click here.
  • Use Apple Pay™ on supported Apple devices. To learn more, click here
  • 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, Bank-By-Phone and eStatements
  • To learn more about these features, click here.

Free and unlimited use of Banner Bank ATMs plus unlimited ATM surcharge rebates when using non-Banner Bank ATMs worldwide*

  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
Additional Benefits
    • Unlimited check writing
    • Unlimited MasterCard debit card usage
    • 50% off any personal check style or free Banner Bank logo checks
    • 50% off safe deposit annual rental fee where available
    • Free cashier's checks and money orders
    • Free Notary Public services
    • Direct deposit available
    • Automatic savings plan available
    • Automatic loan payment available
    • Earn competitive tiered interest rates
      • 0.25% over posted rates on new and renewed Certificates of Deposit (excludes CD specials)¤
      • 0.25% rate reduction on consumer loans, in addition to 0.25% for automatic payment†
Apply online

^ Minimum daily balance required to avoid 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.
* Surcharges assessed by non-Banner ATMs will be rebated by Banner Bank to client account. Before traveling internationally, be sure to contact Banner Bank in order to remove international travel restrictions. Learn more.
† Subject to credit approval. Does not include 1-4 Family mortgage or credit cards.
¤ On selected terms and to be used for new certificates of deposit or at renewal.

Vicki & Ryan Munson

Homebuilding is a really complex process, but Ryan at Banner had been through it. He was an expert.

Vicki Munson, Boise, Idaho

Vicki & Ryan Munson

Personal Banking

Banner Bank helped this Idaho family build their dream home.

A football arcs across the yard one October day in Boise to the shouts of three brothers. Surrounded by boxes, Vicki and Ryan Munson watch from the front window of their new home and smile. This had been a dream for a long time.

In a way, their journey began 5 years before with the birth of their third son. "There weren't many kids in our neighborhood," Ryan says. "We decided to look for a place where the kids will grow up and we can put down roots.

Not wanting to compromise on their vision, they decided to build. And for that, they'd need another level of financial help. When a family connection brought them to Banner, they instantly knew it was the right fit.

Homebuilding is a really complex process, but Ryan at Banner had been through it. He was an expert.

"He drove the schedule, ensuring things like inspections and appraisals were done on time, so we could move in when we wanted," says Vicki.

Throughout the entire home loan process, Banner was there. Their Banner rep, Ryan, watched interest rates, helped calculate affordability during the planning phase, and even coordinated essential activities with realtors and builders. It's a level of service they'd never experienced, or expected.

"Banner invested over 5 months on our behalf," says Vicki. "I don't think you'll find that with a larger corporate bank."

"We're not just interest to them," adds Vicki. "They truly want to know who we are, build a relationship and grow with us."

Their dream house complete, the Munsons feel like they're finally home. Especially as they watch their boys play with their new friends from the neighborhood. And they tell everyone about the part that Banner played.

"Banner did more than help us build a home, they helped us realize our dream."

Read more Community Stories.

See what other Banner Bank clients looked for

Rewards Plus Checking

Earn interest and cash back on everyday debit card purchases. Includes unlimited ATM surcharge rebates anywhere in the world.

Personal Savings Account

Our competitive interest rate compounds daily and is credited quarterly. In the meantime, you can make unlimited withdrawals by ATM or in person. 

Money Market Account

Watch your balance grow with tiered interest rates, withdraw as much as you need without a fee, and write a limited number of checks.