Rewards Checking

Photo of family walking on beach

The checking account that comes with peace of mind. 

We've got you covered with identity theft monitoring, accidental death and dismemberment insurance and cell phone protection. Put your money to work while earning rewards on every debit card purchase transaction. Use any ATM in the country and we'll refund the fees, up to 6 times per calendar month. 

With all Banner Bank checking accounts, 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 Rewards Checking you also get:


Low Monthly Service Charge

$6.00 monthly service charge.


Earn Cash Back

Earn $0.05 on every debit card purchase transaction. Use everywhere Mastercard® is accepted.


Nationwide ATM Convenience

Use any ATM in the U.S. and we'll reimburse the surcharges up to 6 times per calendar month.^


Low Opening Balance

Open a checking account with as little as $50.

Digital Wallet

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

Bank Anywhere, Anytime

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

Extra Security

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

Includes free eStatements

Sign up for eStatements

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

Additional Benefits

Direct Deposit available. For clients aged 65+ get 50% off any personal check style (with standard shipping) or pay just shipping and handling cost for Banner logo wallet checks.

Applying for a checking account is easy.

Not sure which checking account is right for you?

Download a schedule of deposit account fees for personal checking and personal savings accounts.
Cellular phone bill must be paid through this account. Covers primary line plus up to three additional lines listed on the cellular phone bill. May submit up to two claims per year, up to $400 per claim and $50 deductible per claim.
Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. Coverage divides equally on joint accounts and reduces by 50% at age 70.
These descriptions are summaries only and do not include all terms, conditions, and exclusions of the benefits. Refer to the guide to benefits or insurance documents for complete details of coverage and exclusions. Some benefits may require registration/activation.
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.
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