There are a few exceptions, but usually anytime something is listed as "het" something, you won't be able to see that morph. It means it is a recessive gene and the animal only possesses one copy. It's relevant to breeders, because a het clown bred to a het clown will produce 25% clowns, or het clown bred to a clown will produce 50% clowns. It's not relevant if you are just looking for a pet.
Banana is a really striking morph that looks similar to an albino, but over time tends to grow more and more spots like a ripe banana. Be sure to look at some adults and not just babies so you know what to expect. There are some morphs that when added to banana it reduces the amount of spotting they get. I happen to really love the spots.