Who is Banner Bank?
Banner Bank offers a full range of business services to the Pacific Northwest Region. They pride themselves on working to a core set of values. Their mission states that they hold honesty and integrity as important to their business practices, something that we all look for in a bank after the events of recent years.
What Checking Account services are available for Personal Customers at Banner Bank?
Customers have a choice of three deposit accounts that are specifically designed to complement their lives.
- Basic Checking
- Personal Checking
- Interest Checking
- Basic Checking: Banner Bank’s e-$ense Account
If you are looking for a low-cost account with no hidden surprises, or if you mostly bank online, then this is the best choice for you. You can open this account with as little as $50, making it easy to get started. Service charges are also minimal, just $3, which will be waived if you have at least 1 debit card transaction or 1 deposit per statement cycle. To get monthly statements for free, you can enrol for eStatements.
The e-$ense Account comes with unlimited use of a personal debit card that is able to used everywhere that MasterCard is accepted. You are also eligible for Apple Pay on supported Apple devices. You can bank anywhere with Free Banner Online Banking, Mobile Banking with Snapshot Deposit, Online Bill Pay and Bank By Phone. Customers also have free use of Banner ATMs.
- Personal Checking: Banner Bank’s Connected Checking Account
This personal checking account allows you the freedom to enjoy one of the most compelling checking accounts available. Customers get free use of Banner Bank ATMs and unlimited rebates of surcharges assessed by non-Banner owned US ATMs.
The MasterCard debit card that comes with the checking account gives back to customers. You can choose to earn 5c on every debit card purchase, or you can accrue TruRewards points which can be used on a selection of great rewards that include cash credit, travel and gift certificates. You are also eligible for Apple Pay on supported Apple devices. You can bank anywhere with Free Banner Online Banking, Mobile Banking with Snapshot Deposit, Online Bill Pay and Bank By Phone.
With the connected checking account there is no service charge and you can open the account with as little as $50. If you can enrol for eStatements you won’t be charged for statements either.
Interest Checking: Banner’s Best Checking Account
If you are someone with clear financial goal in mind, then this is the perfect checking account for you. The monthly $12 service charge can be waived by maintaining a minimum daily balance of $5,000 or an average daily balance of $10,000. The more you keep in your account, the more interest you will earn. The interest checking account has a competitive tiered rate.
The checking account only requires a minimum opening balance of $50 and you will have access to a personal debit card that can be used everywhere MasterCard is accepted. You can use Banner ATMs for free and get unlimited ATM surcharge rebates when using non-Banner Bank ATMs in the US. Customers are also eligible for Apple Pay as long as they have a supported device. If you can enrol for eStatements you won’t be charged for statements, and you are able to bank for free with Banner Online Banking and Mobile Banking.
What Credit Card options are available for Personal Customers at Banner Bank?
MasterCard credit cards aren’t just great for being accepted at majority of places around the US and internationally, but they are also a great way to benefit from a selection of excellent rewards. Banner Bank offers three MasterCard credit card options:
- TruRewards MasterCard
- World Rewards MasterCard
- Pendleton Round-Up Master Card
- TruRewards MasterCard
TruRewards MasterCard allows you to accrue points for every dollar you spend on your credit card. When you first start the card you are awarded 4000 bonus points and then you earn 4 points for every $1. There is no annual point cap, and you can experience unlimited rewards with this card. There is no annual fee, no cash advance fee, and balance transfer rates range from between 5.24% and 9.24% APR.
Worried about having no credit history? Banner Bank offers Deposit Secured MasterCards with $25 annual fee. You can secure your account with a Banner Bank Deposit Account with a balance that is at least equal to the credit limit that you want on your card.
- World Rewards MasterCard
In addition to earning 4 points for every dollar you spend, World Rewards cardholders get an option to have enhanced rewards equal to 1% of purchases. Point bonuses are awarded annually and customers are able to get a 10,000 point bonus for reaching $20,000 annual spend and an additional 10,000 bonus points for each additional $10,000 they spend that year.
Word Reward customers also benefit from additional concierge services. Personal assistants can assist with dinner reservations, tickets, finding difficult items, buying and delivery gifts and organizing business arrangements.
Customers get a 4,000 point bonus when they start the card. They then experience unlimited rewards with no annual point cap, no annual fee, no cash advance fee and balance transfers with fixed interest rates.
- Pendleton Round-Up MasterCard
This card is essentially the same as the TruRewards MasterCard except that 50% of the proceeds earned by the card are donated to the Justin Cowboy Crisis Fund.
Banner Bank offers a great selection of personal banking options so suit whatever your budgets or banking needs. For more information on their services click here: https://www.bannerbank.com/