Banner Bank

Commercial bank · Walla Walla, United States

Banner Bank is a Washington state-chartered commercial bank founded in 1890 and headquartered in Walla Walla, owned by Banner Corporation and traded on Nasdaq as BANR. It held USD 16.6 billion of assets and USD 13.9 billion of deposits at 30 June 2026 across 147 offices in Washington, Oregon, Idaho and California. Business customers choose between Basic, Complete and Complete Plus business checking, add treasury management in bundles covering ACH, wires, remote deposit and fraud tools, and can take Mastercard business and commercial credit cards with no annual fee. Outgoing international wires cost USD 50 each when initiated in a branch.

Legal name: Banner Bank
Regulated by: FDIC (primary federal regulator, certificate 28489), Washington State Department of Financial Institutions (state charter)
Licence confirmed: yes, on a regulator's own list
Established: 1890
Website: www.bannerbank.com

Scores, 0 to 10

7.0Financial strength & stability

USD 16.6 billion of assets and USD 13.9 billion of deposits at 30 June 2026 with FDIC insurance, and Bauer Financial has held Banner at five stars for more than 12 consecutive years. · source

6.5Lowest fees

Basic Business Checking charges USD 10 a month waived at an USD 800 minimum daily balance and includes 200 transaction items, then USD 0.40 per item, with USD 10,000 of free cash processing. · source

6.0United States

FDIC-insured Washington state charter with 147 offices and USD 13.9 billion of deposits at 30 June 2026, but branches cover only Washington, Oregon, Idaho and California. · source

6.0Customer satisfaction

The Trustpilot page holds only nine reviews, too few to quote. The usable sample is the App Store, where the Banner Bank Mobile Banking App is rated 4.7 out of 5 from 11,455 ratings. · source

5.5Business cards (Visa, Mastercard)

A Mastercard debit card comes with every business checking account, and the Business Cash Rewards and Business Platinum Mastercard cards carry no annual fee with contactless payments and online card management, but no virtual cards are published. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: Banner publishes no rule on payments to crypto exchanges, its deposit account agreement has no crypto clause, and outgoing wires and ACH are sold as standard bundles, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: no source-of-funds process for crypto proceeds is published and no reports of returned exchange wires at Banner were found, checked September 2026. · source

4.5Cross-border payments, FX and multi-currency accounts

Outgoing international USD and foreign exchange wires are available at USD 50 each branch-initiated and incoming international wires cost USD 15, but there is no multi-currency account and no published margin or currency list. Treasury bundles cover ACH origination, domestic and international wires, remote deposit with a scanner and direct payables, priced at USD 35 a bundle or free with Complete Plus, but there is no multi-currency account or cash pooling. · source

4.0Best interest on business balances

Complete Business Checking can be made interest-bearing for a USD 20 monthly service charge instead of USD 18, but no rate is published and there is no treasury sweep offered without minimums. · source

4.0Startups & VC-backed companies

Basic Business Checking is described as a good choice when you are just starting out, but the bank publishes no venture debt, pre-revenue path or founder programme. · source

3.5Fast digital onboarding

Basic Business Checking says to visit a branch to apply in person and the small business credit card page tells applicants to find a location near them. · source

3.5Online businesses: e-commerce and SaaS

Merchant Services are available with every business checking account, but there are no foreign-currency collection accounts and no marketplace payout product. Business online banking covers bill pay, ACH and wires with no foreign-currency receiving accounts, no published API and no accounting integrations named for software companies. · source

3.0Crypto-friendly bank

The business solutions and treasury pages list checking, cards, merchant and cash services and publish no policy on banking crypto exchanges, brokers or miners. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

The bank publishes no policy on gambling, cannabis, adult or foreign exchange broker clients in its business solutions or treasury pages. · source

2.5Fintech companies that need a partner bank

The published treasury price list covers account analysis, wires, ACH, cash vault and deposit account control agreements with no safeguarding accounts, BIN sponsorship or agency banking for payment firms. · source

2.5Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply-chain finance appear in the business or treasury pages; cross-border support is limited to wires. · source

1.5Foreign-owned & non-resident companies

Business account applications require an in-person branch visit in Washington, Oregon, Idaho or California, which rules out owners who cannot attend a branch. · source

1.0Crypto wallet and custody for a business

Banner's treasury management bundles cover ACH, wires and positive pay, with no crypto custody on its business pages, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance in Banner's merchant or treasury services, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer at Banner for business clients, checked September 2026. · source

1.0Ethereum

No ether product at Banner for business clients, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement role at Banner, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.