High Yield Savings Account | Rates Between 0.50% APY^ and 3.25% APY^

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Earnings are tiered so the more you save, the more interest you'll earn. And for a limited time, you can also earn $100^~.

This account is available to any client with a Banner checking account (note: a minimum opening balance of $25,000^∫ new money is required).

Open an account online

See how much interest you can earn with your balance:

0.50% APY^{^}

$0 - $24,999

2.02% APY^{^}

$25,000 - $49,999

2.02% APY^{^}

$50,000 - $99,999

2.28% APY^{^}

$100,000 - $249,999

2.74% APY^{^}

$250,000 - $499,999

2.94% APY^{^}

$500,000 - $999,999

3.05% APY^{^}

$1,000,000 - $2,999,999

3.25% APY^
$3,000,000 - $4,999,999

3.25% APY^{^}

$5,000,000 & more

With a High Yield Relationship Savings account, you'll get:

Earn Interest

Earn tiered interest between 0.50% APY^ and 3.25% APY^. Rates may change. Interest is compounded daily and credited quarterly.

Monthly Service Charge

$10 monthly service charge, waived with minimum daily balance of $5,000 or $10,000 average daily combined relationship balance.^Δ

Relationship Perks

The balance in this account may be used to waive monthly service charges on other qualifying deposit accounts. Fees may reduce earnings.

Overdraft Protection

This account may be linked to protect your Banner checking account in overdraft situations.^δ

Easy to Access Statements

No cost for paper statements. Sign up to receive safe and accessible eStatements.

Additional Benefits

Direct deposit, automatic savings plan and automatic loan payments are available.^‡

With every Banner Bank savings account, you'll get:

Earn interest on your own money

24-7 Bank-By-Phone

Online and mobile banking

Personal Financial Management tools

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

View the High Yield Savings Product Guide.

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Annual Percentage Yield (APY) accurate as of 2/24/2025. Rates may change. The interest rate tier is determined by the actual daily account balance. Monthly service charge of $10 is waived when you meet one of the following criteria during that monthly statement cycle: $5,000 minimum daily balance or $10,000 average daily combined balance for checking and savings deposit relationship. If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.50%. Public fund accounts not eligible. Additional restrictions may apply.

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Minimum opening balance of $25,000 must be new money to Banner Bank.

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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, savings or money market account. To qualify for the checking offer, you must not already have a personal checking account with Banner Bank. To qualify for the savings or money market offer, you must not already have a personal savings or money market account with Banner Bank. 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 $500 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; AND 2b) Have a minimum daily balance of $1,000 or more within 30 days of account opening and maintain for 90 days.

To receive the $100 savings bonus: 1) Open a Banner Bank personal savings or money market account; 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.

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 not available for immediate withdrawal.

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 Banner’s Digital Account; $50 for Connected Checking, Rewards Checking and Banner's Best Checking. Minimum opening balance of $25 for Connected Savings; $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 12/31/2025.

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

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Message and data rates may apply. May require authentication, registration, and/or activation.

High Yield Savings Account | Rates Between 0.50% APY^ and 3.25% APY^

Open a High Yield Relationship Savings account online today.

See how much interest you can earn with your balance:

Earn a $100 bonus~ with a new High Yield Relationship Savings Account

With a High Yield Relationship Savings account, you'll get:

With every Banner Bank savings account, you'll get:

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