Personal Checking: Banner Bank’s Connected Checking Account

Enjoy ATM freedom with one of the most compelling checking accounts around. Get free use of Banner Bank ATMs, plus unlimited rebates of surcharges assessed by non-Banner owned US ATMs.

Your MasterCard® debit card gives back, too. You choose whether you’d like to earn $0.05 on every debit card purchase (paid monthly) or accrue TruRewards® points, which you can use for a variety of great rewards including travel, gift certificates and even cash credit.

Apply online

Service Charge


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 $0.05 on every debit card purchase OR 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 use of Banner Bank ATMs, plus unlimited rebates of surcharges assessed by non-Banner owned US ATMs*

  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
Additional Benefits
    • 50% off any personal check style for clients aged 65+
    • Banner savings account. $25 opening deposit and at least $25/month transfer from your Connected Checking account required for monthly service charge waiver
    • $300 closing cost discount on a Banner 1-4 unit real estate mortgage†
    • Direct deposit available
    • Automatic savings plan available
    • Automatic loan payment available
    • Free notary public services
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.
*** To read TruRewards complete terms and conditions, click here.


Banking changed, but Banner didn’t. They stayed true to their values.

Mark Watkins, Seattle, Wa

Mark Watkins

Business and Personal Banking

Banner Bank helped Mark go local.

Seattle resident Mark Watkins had always banked with the big guys because he thought they had the services he needed. When business was good, everything was fine. But when the market turned in 2009, the big banks didn’t seem to want his business.

As the owner of a cabinet manufacturer, Mark felt the joy and pain of the housing bubble. “When things were going well, it seemed the banks couldn’t give you enough money,” he recalls. “When things changed, the doors slammed shut.”

Finally, when delays at Mark’s bank nearly caused him to lose an investment property, he decided to make a change and go local. And Banner Bank was there.

Banking changed, but Banner didn’t,” says Mark. “They stayed true to their values.

“I went in, told them my situation, and they said, ‘No problem,’” he says. “They don’t send loans to somebody in New York, they look at them right here. So we got the loan and saved the property. After that, I moved all my accounts to Banner.”

In Mark’s business, relationships are important. That’s why he values his relationships at Banner where they’re on a first-name basis. “I love being able to call my branch and just say, ‘Hi, it’s Mark,’ and they know me. It’s a great feeling.”

Mark knows he can count on Banner when he needs them, no matter what the other banks are doing.

“I don’t see myself banking anywhere else but Banner,” he says. “We’ve got projects down the line, and I plan to work with Banner on all of them.”

Read more Community Stories.

See what other Banner Bank clients looked for

e-$ense Account

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

Banner’s Best Checking

Pays a competitive tiered interest rate and provides additional benefits.

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.