I added the ADBannerView to a view and when I load the app I get the following message:
ADBannerView: WARNING A banner view (0x7a023c0) has an ad but may be obscured. Th
Like compiler warnings, I think this is something that you should probably try to get to the bottom of even if it's not immediately causing problems. If I were Apple, I'd send my ads to apps that actually show them (I'm not saying they do do this), so there could be a financial aspect too.
A couple of problems that I've seen: