Search multiple contain conditions in multiple columns, Sql Server

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create table t (
    statement_no char(4) not null
  , bank_text_1 varchar(64) not null
  , bank_text_2 varchar(64) not null
  , bank_text_3 varchar(64) not null
  , bank_text_4 varchar(64) not null
  , bank_text_5 varchar(64) not null
  , amount decimal(9,2) not null
  )
insert into t values
 ('0001',' SURPLUS CASH',' ',' ',' ',' ',125.00)
,('0002',' M THOMAS ','TRAINING FEE ','CHQ IN AT 100217',' ',' ',470.00)
,('0003','SWALEC ','Training Centre One ','Abergaveny ',' ','Electr Charges',700.00)
,('0004','M Thomas ','Training Centre Hire ',' ',' ',' ',850.00)

select *
     , checker = case when 
                   charindex('SURPLUS CASH',concat(bank_text_1, bank_text_2, bank_text_3, bank_text_4, bank_text_5))>0
                or charindex('CHQ IN AT',concat(bank_text_1, bank_text_2, bank_text_3, bank_text_4, bank_text_5))>0
                or charindex('ELECTR CHARGE',concat(bank_text_1, bank_text_2, bank_text_3, bank_text_4, bank_text_5))>0
                then 'Exclude' 
                else '' 
                end
    from t

View schema
Execution time: 0,02 sec, rows selected: 4, rows affected: 4, absolute service time: 0,17 sec