Banner Bank provides communities with a variety of financial services. To find out if Banner Bank is right for you, continue reading the review below.
With some checking accounts, Banner Bank offers a Visa Debit Card that can essentially earn them $0.05 cash back with each transaction. All premium Banner Bank checking accounts has the rewards program available.
Checking Account Options
Banner Bank offers a variety of checking accounts that has a good amount of benefits for each.
You will need an opening deposit of $50 but then you don’t have to pay a monthly fee nor maintain a maintain minimum balance.
This account also comes with some neat features, such as:
- Digital Wallet
- Unlimited check writing
- Nationwide ATM convenience
- Mastercard® Zero Liability Protection
- Online and mobile banking
- Online Bill Pay
With an opening deposit of $50, you can start earning rewards.
You will be given a Banner Bank Debit Card that you can earn cash back on when you make transactions with it.
With every purchase you make with your debit card, you can earn $0.05 cash back.
There is a $7 monthly fee, but you can waive it by maintaining a daily balance of $1,500.
This account also has:
- Digital Wallet
- Unlimited check writing
- Nationwide ATM convenience
- Mastercard® Zero Liability Protection
- Online and mobile banking
- Online Bill Pay
- Reimbursement for surcharges
This checking account is for those who typically have higher balances, so it is interest bearing.
You will also receive a Banner Bank Debit Card that you can redeem towards their cash back program.
There is a monthly fee of $7, but you can waive it as long as you have a daily balance of $1,500.
This account also includes:
- Digital Wallet
- Unlimited check writing
- Nationwide ATM convenience
- Mastercard® Zero Liability Protection
- Online and mobile banking
- Online Bill Pay
- Reimbursement for surcharges
You can earn tiered interest rates if you usually have higher balances.
There’s a $12 monthly fee, but it can be waived if you keep a daily balance of $12,000.
This account is also eligible with Banner Bank’s Rewards program.
This account also offers:
- Digital Wallet
- Unlimited check writing
- Nationwide ATM convenience
- Mastercard® Zero Liability Protection
- Online and mobile banking
- Online Bill Pay
- Reimbursement for surcharges
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Banner Bank offers two savings accounts and they all earn competitive interest rates.
You can open this savings account with $25 and start earning interest daily.
There is a monthly fee of $3, but if you maintain a daily balance of $100, you can waive it.
However, if a child 18 or under were to open this account, they would not have to pay a monthly fee.
Protect yourself from overdrafts by linking this savings account to one of your Banner Bank checking accounts.
This savings account with require a minimum deposit of $100, but it will start earning interest at a tiered rate.
There is monthly fee of $10, but you can waive it you keep a minimum daily balance of $5,000.
You also will get unlimited withdrawals in person or at an ATM.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Banner Bank has a money market that earns competitive interest rates.
Banner Bank Money Market:
- Open this account with $25
- Earns competitive interest rates that is compounded daily
- Monthly fee of $3 can be waived by having a daily balance of $100
- Link this money market account to a checking account for Overdraft Protection
- Make unlimited deposits
Reasons to Bank with Banner Bank
- They have a Rewards Program that lets you earn $0.05 cash back with every transaction you make with your Banner Bank debit card.
- All their checking accounts can be linked to digital wallet to make paying and spending easier.
- They have low opening deposit requirements.
- They have easily waiveable monthly fees.
- You can link your checking and savings account for Overdraft Protection.
- Conduct all your banking online or through the Banner Bank app.
Reasons Not to Bank with Banner Bank
- They only have locations in 4 states: California, Idaho, Washington and Oregon.
- They lack variety in their savings accounts.
- Their accounts earn decent interest rates.
Banner Bank Routing Number
The routing number from Banner Bank is 323371076.
Contact Customer Service
You can reach Banner Bank at 800-272-9933.
A customer representative will be available to speak to on Mondays through Fridays at 7 a.m. – 7 p.m.
How Banner Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
- Discover Bank: Discover Bank is an online nationwide bank that offers bonuses for their checking and savings accounts!
Bottom Line
Banner Bank is the bank for you if you value face-to-face customer service and are seeking banking products that are light on fees.
The bank offers options that can suit a variety of customers from someone with a basic banking need to a person with a more complex financial picture.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with Banner Bank, then apply today! For more options from a variety of banks, see our list of the best bank promotions!
Worst bank every…fraudulently double charged us and then marked our credit late after we made multiple well documented attempts to pay them. Don’t bank with these scam artists they obviously don’t care about its customers (or the law), which is very sad for a small local bank that claims to be customer-centric.