Cotton-like white balls on indoor banana plant leaves are almost certainly mealybugs or cottony aphids—sap-sucking insects that hide under white wax.
Pierce a cotton ball with a toothpick. If liquid oozes out, it’s an insect. If dry and powdery, could be mineral deposit (unlikely).
Hot/cold drafts from HVAC stress the plant, making it more susceptible. Stabilize temperature if possible.
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Whiteflies on Balcony Plants: Cat-Safe Insecticidal Soap
Tiny White Bugs in Houseplant Soil? Fungus Gnat Larvae—Fix by Drying Out and Alcohol Watering
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