Method and apparatus for use with multi-bank Synchronous Dynamic Random Access Memory (SDRAM) circuits, modules, and memory systems are disclosed. In one described embodiment, an SDRAM circuit receives a bank address to be used in an auto-refresh operation, and performs the auto-refresh operation on the specified bank and for a current refresh row. When all bank addresses have been supplied for the current row, the SDRAM circuit updates the current refresh row and repeats the process. This process can allow a memory controller to modify an auto-refresh bank sequence as necessary such that auto-refresh operations can proceed on some memory banks concurrently with reads and writes to other memory banks, allowing better utilization of the SDRAM circuit. Other embodiments are described and claimed.