Bounty
Worth it?

Banner Bank Personal Checking bonus: is $400 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$315: more than leaving it at 4.15%

With $5,000 for 150 days, the tier that adds the most.

With the bonus19.47%
Leave it where it is4.15%

Yearly rate on $5,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $2,500
    $250 bonus · 150 days
    +$207
  • $5,000Best for you
    $400 bonus · 150 days
    +$315

The math

Compared with leaving $5k at 4.15%

Bonus
+$400
Interest while it's there
No interest assumed
$0
What it'd earn at home
$5,000 at 4.15% for 5 mo
−$85
Extra
+$315
Works out to 19.5% a year on that cash, vs 4.15% at home.

Get $5,000 in direct deposits within 60 days · Keep $5,000 there until day 150. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Get $5,000 in direct deposits within 60 days
  2. 2Keep $5,000 there until day 150
Ends
Oct 31, 2026
Where
Oregon, Washington, California, Idaho
Monthly fee
None
Cash stays
About 150 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Banner Bank Personal Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$315: the $400 bonus, minus the $85 that cash would have earned in 150 days. The $2,500 tier adds +$207. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Get $5,000 in direct deposits within 60 days; keep $5,000 there until day 150. Open to residents of Oregon, Washington, California, Idaho.

When does it end?

The offer ends Oct 31, 2026. The terms were last checked Oct 10, 2026.