Personal Checking Account Options | Open an Account Online Today

With a Banner Bank checking account, you can enjoy some seriously good benefits.

  • Nationwide ATM convenience
  • Bank anytime from your favorite device
  • Mastercard® debit card with Zero Liability Protection
  • Robust digital tools: online banking, mobile banking, text banking, Bill Pay, eStatements, direct deposit, digital wallet, Snapshot DepositTM, and Personal Financial Management

Earn up to $500 when you open new personal accounts.

For a limited time, you can receive $100, $200, $400 or $500~ by opening new deposit accounts and meeting all deposit and minimum balance requirements for 90 days.

Choose the checking account that best fits you: 

Banner's Best Checking Features and Benefits

  • Monthly service charge of $12 waived with minimum daily balance of $5,000 or average daily balance of $10,000 or average daily combined checking/savings relationship deposit balance of $25,000Δ
  • No ATM fees anywhere in the U.S.
  • Earn more interest with higher balances. And, earn 0.25% over posted rates on new and renewed Certificates of DepositΘ.
  • 50% off any personal check style (with standard shipping), or free Banner logo wallet or duplicate checks (with standard shipping) and 50% off safe deposit annual rental fee when auto-pay is set up from your Banner's Best Checking account
  • Cashier's checks and money orders included when funded directly from your Banner's Best Checking account

Rewards Checking Features and Benefits

  • Monthly service charge of $6
  • IDProtect® Identity theft monitoring and resolution services, up to $10,000 accidental death and dismemberment insurance,  and cell phone protection included
  • Use any ATM in the U.S. and we'll reimburse the fees, up to 6 times per calendar month^
  • $15 discount on a safe deposit box annual rental fee when auto-pay is set up from your Rewards Checking account

Connected Checking Features and Benefits

  • Monthly service charge of $4 waived with minimum daily balance of $500 or $500 or more in direct deposits per monthly statement or account holder is aged 24 or younger
  • We'll reimburse the surcharges for withdrawals made from any ATM, anywhere in the U.S., up to 2 times per calendar month^
  • $15 discount on a safe deposit box annual rental fee when auto-pay is set up from your Connected Checking account

Banner's Digital Account Features and Benefits

  • A digital account with a flat monthly service charge of $3. 
  • Banner Bank does not charge overdraft fees on this account
  • You can open an account with $25 or moreπ.
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Message and data rates may apply. May require authentication, registration, and/or activation.
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To receive the personal offer, you must open your account online at bannerbank.com or at a Banner Bank branch and use the promo code at account opening that was provided to you by Banner Bank. Offer is not available to those whose accounts have been closed within the last 2 years. You may only receive one new account opening-related bonus every two years on a consumer checking account and one new account opening-related bonus every two years on a consumer savings or money market account. Offer is subject to change without notice and may not be combined with any other offer. Must meet standard account opening requirements. Offer available to residents of OR, WA, CA or ID only.

To receive the $400 checking bonus: 1) Open any new Banner Bank personal checking account; AND 2a) Complete at least $1,000 of direct deposits into that account; AND 2b) Have a minimum daily balance of $25,000 or more within 30 days of account opening and maintain for 90 days.

To receive the $100 checking bonus: 1) Open any new Banner Bank personal checking account; AND 2a) Complete at least $1,000 of direct deposits into that account; OR 2b) Have a minimum daily balance of $1,000 or more within 30 days of account opening and maintain for 90 days.

Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments or mobile check deposits are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. Deposits are subject to verification and are not available for immediate withdrawal.

To receive the $100 savings bonus (in addition to the checking offers above: 1) Open a Banner Bank personal savings or money market account when the checking account is opened; AND 2) Deposit a total of $1,000 or more in new money (not held at Banner Bank) within 30 days of account opening; AND 3) Maintain a minimum daily balance of $1,000 or more for 90 days; AND 4) Set up monthly recurring auto transfers of $25 or more from your Banner Bank checking account to your Banner Bank savings or money market account.

After you have met the above requirements and the account has been open for 90 days, we'll deposit the bonus into your new account within 30 days. Banner Bank will monitor the balances maintained in your account during the qualification period to determine bonus amount paid, if applicable. Account must be in an open status and in good standing at the time of payout.

Minimum opening balance of $25 for Connected Savings and Banner’s Digital Account; $50 for Connected Checking, Rewards Checking and Banner's Best Checking; $100 for Money Market Savings and Banner's Best Savings; $25,000 for High Yield Savings and must be new money to Banner Bank.

Fees: Service fees may apply based on the account(s) you select. For a schedule of fees and deposit account agreements, please visit our terms and tips page.

IRS Form 1099-INT or 1042-S: Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Please consult your tax advisers concerning the reporting to Internal Revenue Service of bonus payments as interest on accounts. Offer expires 12/31/2024.

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The average daily checking/savings relationship balance includes all of the primary account owner’s checking, savings, and money market accounts on which they are a primary or joint account owner.
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On selected terms and to be used for new certificates of deposit or at renewal (exclusions may apply).
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.
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.
Coverage divides equally amongst all account owners on joint accounts and reduces by 50% at age 70.
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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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.