Do you remember Friday, March 13, 1993? We had a 12 inch snow and a HARD freeze that night below degrees. If you plant now and the ground is still crumbly and soft from planting, the ground may freeze too easy where it is disturbed. I would wait until April 1. The chances of a hard freeze after APril 1 is almost non-existent. The chances of a frost are low but you can cover and protect the banana from a frost.

I would advise even more caution than my friend Terry & wait till mid to late May at the earliest. If you plant bananas any earlier, you run the risk of them rotting in the cold soil, especially if you make the mistake of over-watering. I know its always said that bananas love water & fertilizer, but that's only true when the soil warms up & we have daily high temps in the 80s & 90s . Water & feed too soon & you'll have dead bananas. Trust me they're much better off in pots untill the ground warms up. Patience, patience!

My poor bananas are still outdoors in the ground with their little bubblewrap and flannel sheet jackets on them.
I think their little feet are doing fine in some deep pine straw mulching. Even the gigantic alocasia/colocasias are
beginning to put out some greenery, but they still have their wrappers on too. These things are on the south side
of our yard, up against a privacy fence. I'm hoping this
week sees the worst done with. But I know one more big cold snap can happen, even here in Mobile.