Given a Banach algebra $B$ let $[B, B]$ (the commutator ideal) be the intersection of all kernels of morphisms of Banach algebras $B \to A$ where $A$ is commutative. This is a closed two-sided ideal of $B$, and the quotient $B/[B, B]$ is the abelianization of $B$; the universal commutative Banach algebra to which $B$ maps.
(Probably $[B, B]$ is the closure of the ideal generated by commutators $[b_1, b_2]$ but this construction of it manifestly has the appropriate universal property so it doesn't matter too much either way.)
Any character of $B$ must be a character of its abelianization, so the problem for arbitrary Banach algebras reduces immediately to the commutative case. A nonzero commutative Banach algebra always admits a character (by the Gelfand-Mazur theorem), so we get:
Proposition: $B$ admits a character iff $B/[B, B]$ is nonzero.
It's worth noting that $B/[B, B]$ can in fact be zero, for example if $B$ is simple and noncommutative (e.g. $B = M_n(\mathbb{C})$) as noted in the comments.