We offer a variety of checking and savings accounts to support and empower your goals for growth—both now and for the future. Not sure which account is best for your financial goals? Stop by your local branch, and we’ll find the best fit for your situation.
Checking + Savings Products
For Now (Checking)
Simply Free Checking
- No minimum balance to open account
Checking with Interest
- Requires direct deposit of wages or retirement
- No minimum balance to open account
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Senior Checking with Interest
- For ages 55+
- Requires direct deposit of wages, social security, or retirement
- Receive one FREE box of wallet-style checks (bank selection) per quarter
- $15 annual credit toward safe deposit box (if available)
- No minimum balance to open account
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Super Now Checking with Interest
- Minimum $1,000 deposit to open account
- $1,000 minimum balance required to obtain disclosed annual percentage rate
- No service charge with average daily balance of $1,000
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Premier Money Market Account with Interest
- Interest rate is tiered and determined by balance in account
- Minimum $1,000 deposit to open account
- $1,000 minimum balance required to obtain disclosed annual percentage rate
- No service charge with average daily balance of $1,000
- Unlimited withdrawals in person or through ATM; maximum six withdrawals per month by any other method (check, mobile banking, over the phone, etc.)
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Government Checking with Interest
- Must be a verifiable government entity
- No minimum balance to open account
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Corporate Commercial Checking
- Account analysis required to open
- Call your local branch for fee disclosure
For the Future (Savings)
Regular Savings
- No minimum balance to open account
- No required minimum balance to avoid a service charge
- Maximum of six withdrawals per month
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Christmas Club Savings with Interest
- Check for the balance of the account will be sent annually, on or around November 15
- No minimum balance to open account
- No required minimum balance to avoid a service charge
- No withdrawals allowed
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Health Savings Account (HSA)
- Must have a High Deductible Health Plan (HDHP) to enroll
- No minimum balance to open account
- No service charge
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Certificate of Deposit (CD) with Interest
- Available to individual and commercial customers
- Wide range of investment terms (from 3 months to 5 years)
- Early withdrawal penalty applies
- No minimum balance to open account
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Individual Retirement Account with Interest
- Traditional, Student, and ROTH options
- Investments are FDIC insured
- No fees
- No minimum balance to open
- Interest rate and annual percentage yield subject to change; call your local branch for current rates
Additional Benefits
Contact your local branch for more information on:
- Merchant processing services
- Money orders
- Night deposits
- Notary services
- Safe Deposit boxes (available in Beaver City, Harrisburg, Cheyenne, and Guernsey)
- Wire transfers
To sign up for any of the services listed above, please get in touch today!
Re-Order Checks
If you have an existing checking account with us and don’t need to make any changes to your current checks, click here to place your order.
Need to make changes to the style, quantity, or personal information on your checks? Please stop by or call your local branch, and we can place your order for you.
E-Statements
Your statement will arrive in your inbox the day after the statement cuts; no more waiting for the mail! To sign up, call or visit your local branch.
MasterCard Debit Card
Available at account opening, Banner Capital Bank debit cards are available for all personal and business checking accounts. All debit cards can be set up with a signature and/or personal PIN number for extra security.
Additional Limits on Liability for Mastercard®-branded Debit Card. You will not be liable for any unauthorized transactions using your Mastercard®-branded Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard® is registered trademark, and the circles design is a trademark of Mastercard® international incorporated.
Open your account today!
Give us a call at 307-433-1555 to speak with our Account Concierge, or stop by your local branch to get started.