Born in
Hillingdon, Greater London, Banks began his career as a trainee with
West Ham United. He made just one first-team appearance, in the
Anglo-Italian Cup, for West Ham, before joining
Gillingham on a
free transfer in March 1993. Banks was a regular for the remainder of the season, and in 1994–95 was named as the Kent Side's Player of the Season. His form led to a £60,000 move to
Blackpool in August 1995. He spent four years with
the Seasiders, making over 150 league appearances for the club. He was the club's Player of the Year in his second season (
1996–97). Banks' son was born in Blackpool during his time at the club. In March 1999, Banks moved to
Bolton Wanderers for a fee of £50,000. Although a regular at the start of his time with Bolton, he soon lost his place and had loan spells with
Rochdale (December 2001 to May 2002) and
Bradford City (August to November 2002) before joining
Stoke City on loan in December 2002 for whom he played ten times. Banks joined Stoke on a free transfer in February 2003. He made four appearances and was released at the end of the season. Banks joined
Wimbledon in August 2003 and was a regular in their Championship side until returning to Gillingham on a free transfer in March 2004. During his second run with Gillingham, he appeared in the film
Green Street. In August 2005, Banks joined
Heart of Midlothian on a free transfer as back-up for regular goalkeeper
Craig Gordon. He made his Hearts debut as a substitute in the 2–2 draw against
Falkirk on 2 October 2005, after Gordon had been sent off. Two weeks later, Banks played in a 1–1 draw with
Celtic at
Celtic Park in which he made a number of saves to maintain the Jambos' unbeaten start to the season. He made another rare start against
Dundee United on 23 December 2006 and kept a clean sheet as Hearts won by a single goal at
Tannadice. Banks repeated the feat on 10 February 2007, in a 1–0 win against
Caley Thistle at
Tynecastle. Earlier in the day, Banks, who had recently become first-choice ahead of unsettled Gordon, signed a contract with Hearts due to run until the end of the
2007–08 season. Gordon returned to the starting line-up on 17 February in Hearts' 1–1 draw with
St Mirren. Banks was forced to take control of
the Jambos during a 1–0 defeat to Kilmarnock on 27 October 2007, when
Stephen Frail was sent from the touchline. On 16 August 2008, Banks was omitted from the Hearts squad to face
Rangers at
Ibrox, with
Jamie MacDonald selected to start and recent signing
Marian Kello on the bench. Hearts lost the game 2–0 and afterwards owner
Vladimir Romanov told the Hearts players that Banks "could no longer be trusted", comparing him to former captain
Steven Pressley and fellow defender
Andy Webster, who both left
Tynecastle under controversial circumstances. A statement on the club's official website stated that Banks was no longer available to play for the first team and he was no longer first-team goalkeeping coach, but he would take a similar coaching role with the youth team. Hearts announced on 1 June 2009 that Banks had severed all ties with the club, and he signed for Dundee United the next day. On 8 July 2013 Banks signed for
St Johnstone on a one-year deal. Manager and fellow goalkeeper
Tommy Wright played with Banks at Bolton in 2001. Banks was an unused substitute as St Johnstone won the
2014 Scottish Cup. Banks became only the second player to have won the Scottish Cup with three different sides, equaling the achievement of
Steven Pressley. His achievement was unique in that on all three occasions he was an unused substitute. Banks left St Johnstone in August 2015 and retired from playing, aged 43, to become goalkeeping coach at his former club Blackpool. On 4 July 2016 Banks was appointed as goalkeeping coach at Bradford City. He left the role in November 2018. In March 2019, Banks was working for
Tranmere Rovers and the
Scotland Women national team. He was retained by Grayson's successor in 2020,
Neil Critchley, and
Michael Appleton, who replaced Critchley in 2022. ==Career statistics==