Rewards Checking

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⋈
  • Use any ATM in the U.S. and we'll refund the fees, up to 6 times each calendar month^
Open an Account Online

With all Banner Bank checking accounts, you'll get:

With Rewards Checking you also get:

woman sitting at her computer with her credit card
  • AD&D Insurance

    Up to $10,000 of Accidental Death & Dismemberment Insurance.⊗⋊

  • Cell Phone Protection

    Covers damage or theft for your primary line plus up to three additional lines.⋈

  • IDProtection®

    Identify Theft Monitoring and Resolution Services.∝

  • ATM Reimbursements
    Use any ATM in the U.S. and we'll reimburse the surcharges up to 6 times each calendar month.^
  • Bank Anywhere, Anytime
    Access your accounts from your desktop, tablet or smartphone with online and mobile banking and Bank-by-Phone.
  • Flat Monthly Service Charge

    $6.00 monthly service charge.

  • Low Balance Requirements

    Open a checking account with as little as $50π with no minimum balance required.

  • Digital Wallet
    Use Apple Pay, Google Pay and Samsung Pay on supported Apple, Samsung and Android devices.‡
  • Easy to Access Statements

    Keep your financial information safe and accessible anytime with Electronic Statements & Notices. Avoid charges for paper statements.Ψ

  • Overdraft Protection

    With overdraft protection you can link to a savings account or line of credit to cover your purchases.»

  • Banner Savings Account
    Open a savings account with as little as $25 and auto transfer from this checking account.
  • Debit Card Security

    Your personalized debit card♠ is covered by Mastercard's Zero Liability Protection and you can register for Mastercard Identity Theft ProtectionTM.

  • Pay Anyone
    You can pay bills and pay people – and choose the date your payment arrives.
  • 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.

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Apply online
Find a Banner Bank location icon
Visit local branch

Not sure which checking account is right for you??

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Access the Deposit Account Agreement and Personal Accounts Schedule of Fees.

View the Rewards Checking Product Guide

This account earns no interest. See interest rates.

When you apply online, you’ll create a secure, personal dashboard account to serve as your application hub. From this dashboard, you can track the status of applications, see any steps you need to take, and review and download disclosures. This dashboard will also retain many of the details you enter, speeding up the process if you apply for another product.
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Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. Credit file monitoring is only available to account owners age 18 or older. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. 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.
⋈
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 12 month period per account, up to $400 per claim and $50 deductible per claim. Check with your mobile service provider for message and data rates.
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Coverage divides equally amongst all account owners 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 respective guide to benefits or insurance documents for complete details of coverage and exclusions.
^
Surcharges assessed by non-Banner ATMs will be reimbursed 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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Minors (age 12-17) are eligible to be an account owner if a parent or guardian (age 18 and older) is also an owner on the account. All account owners have full rights to withdraw, deposit and transfer funds.
‡ 
Message and data rates may apply. May require authentication, registration, and/or activation.
Ψ
Paper statements are $2 monthly for paper statements without check images or $4 when you opt-in to receive paper statements with check images. Paper statements are provided at no cost to account owners who are 65 years of age or older.
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Overdraft protection by line(s) of credit subject to credit approval and limited to residents of Washington, Oregon, Idaho or California.

♠
Card replacement fee may apply.