Rewards Checking

The checking account that comes with peace of mind. 

  • We've got you covered with identity theft monitoring1, accidental death and dismemberment insurance2, 3 and cell phone protection4
  • Use any ATM in the U.S. and we'll refund the fees, up to 6 times each calendar month5
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.2,3

  • Cell Phone Protection

    Covers damage or theft for your primary line plus up to three additional lines.4

  • IDProtection®

    Identify Theft Monitoring and Resolution Services.1

  • ATM Reimbursements
    Use any ATM in the U.S. and we'll reimburse the surcharges up to 6 times each calendar month.5
  • Flat Monthly Service Charge

    $6.00 monthly service charge.

  • Low Balance Requirements

    Open a checking account with as little as $506 with no minimum balance required.

  • Save on Personal Loan Rates with Autopay
    Receive a 0.50% rate reduction on new consumer loans by establishing an automatic payment from any Banner Bank checking account prior to loan closing7.
  • Digital Wallet
    Use Apple Pay, Google Pay and Samsung Pay on supported Apple, Samsung and Android devices.8
  • Easy to Access Statements

    Keep your financial information safe and accessible anytime with Electronic Statements & Notices. Avoid charges for paper statements.9

  • Overdraft Protection

    With overdraft protection you can link to a savings account or line of credit to cover your purchases.10

  • 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 card11 is covered by Mastercard's Zero Liability Protection and you can register for Mastercard Identity Theft ProtectionTM.

  • Additional Benefits
    Direct deposit available. For clients aged 65+ just pay 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?

Compare checking accounts
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.
1
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.
2
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.
3
Coverage divides equally amongst all account owners on joint accounts and reduces by 50% at age 70.
4
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.
5
Subject to credit approval. Does not include 1-4 Family mortgage or credit cards (excludes loan rate specials). Banker will assist with opening account prior to requesting loan documents.
6
Message and data rates may apply. May require authentication, registration, and/or activation.
7
Paper statements are $2 monthly. Paper statements are provided at no cost to account owners who are 65 years of age or older.
8

Overdraft protection by line(s) of credit subject to credit approval and limited to residents of Washington, Oregon, Idaho or California.

9
Card replacement fee may apply.