Growing a banana tree is not a project for an impatient person or those who don't reside in a tropical environment. The banana tree is particular about growing conditions. First, the plant needs about a year without frost to produce a flower. If the temperature drops below 53 degrees F during this time it may stop growing. Conversely, if the temperature exceeds 80 degrees F, growth will be stunted. Harsh, hot sun will burn the leaves, yet the tree will only fruit when given direct sunlight. If it is windy where you live, the tree may topple over, roots and all. Then, to top it off, bananas available at the market are seedless. To grow a banana plant with edible fruit would require that the tree be planted from rootstock. Growing an ornamental banana tree from seed is possible, however, and they are a challenge to get growing.
Scarify the banana seed with a nail file or a small knife. Nick just a tiny portion of the seed coat. Be careful not to cut too deep. Remove only a small piece of the outer shell of the seed.
Soak the seed in water for one week.
Mix equal parts of peat moss and sand, and pour into a seeding tray. Water the soil well and allow the excess water to drain from the bottom of the tray.
Plant the seeds 1/2 inch deep in the planting mix. Cover lightly with soil.
Cover the top of the seeding tray with plastic wrap. Place the tray on the heating mat and set the temperature to 75 degrees F.
Turn off the heating mat at night. It is very important to remember to turn the mat back on in the morning and to leave it on all day.
Check the soil moisture daily. Do not let the soil dry out.
Sprouting may occur within three weeks but could take a few months. As soon as the seed sprouts, remove the plastic wrap and place the tray in full sunlight or directly under grow lights. Mist the seedling two to three times a day. Remember to keep the soil moist as the banana plant grows.