Interest Checking: Banner’s Best Checking Account

Keep your eye on your financial goals with Banner’s Best Checking. The $12 monthly service fee is waived if you maintain a minimum daily balance of $5,000, or an average daily balance of $10,000. 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 U.S. 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

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.
  • Earn Banner’s TruRewards points on signature transactions that you can redeem for travel, merchandise and local rewards. To learn more, 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 in the U.S.*

  • 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
    • $300 closing cost discount on Banner Bank 1-4 unit real estate mortgage†
    • 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% discount on consumer loans, in addition to 0.25% for automatic payment†
Apply online

‡ Check with your mobile service provider for message and data rates.
* Applicable for US ATM transactions only. Surcharges assessed by non-Banner ATMs will be rebated by Banner Bank to client account.
† Subject to credit approval.
¤ On selected terms and to be used for new certificates of deposit or at renewal.
*** To read TruRewards complete terms and conditions, click here.

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e-$ense Account

Includes a MasterCard® debit card and no overdraft fees on everyday debit card transactions.

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.