TYPE OF PLAN	GOLD ACCOUNT	GOLD INTEREST CHECKING	GOLD CHECKING PLUS	REGULAR CHECKING	FREE CHECKING	FREE INTEREST CHECKING	CODEGREEN STUDENT CHECKING	HIGH YIELD CHECKING†
Recommended if you want...	The simplicity of an affordable package of convenient banking services.	The simplicity of an affordable package of convenient banking services, plus interest.	To earn a higher rate of interest along with all the benefits of a Gold Account.	A checking account with a low balance requirement.	A checking account free of monthly service charges.	Earn interest with direct deposit and no monthly service fees.	A checking account for students free of monthly service charges.	A high rate Internet checking account that doesn't need branch access.
Minimum Daily Balance Required	$800	$1,500	$25,000 combined balance*	$300	Not applicable	Not applicable	Not applicable	Not applicable
Monthly Service Fee	$10	$10	$25	$7	None	None	None	None
Minimum Opening Deposit	$100	$100	$100	$100	$100**	$100**	$100**	$100
Outstanding Features	• Unlimited check-writing • Free reddiCHECK images returned with statement • Free imprinted checks up to $17 • Free check card • ATM deposits & withdrawal access • Higher Gold interest rate on Gold Statement Savings, Gold Money Market Account, Gold Ultimate CD® and Gold CD • 0.50% rate reduction on eligible installment loans with automatic payment • Rent free safe deposit box (not available in all locations) • Overdraft protection*** • $2,500 accidental death insurance • No issuing fee on:   - Travelers cheques   - Money orders   - Official checks • No-fee notary service • 10% off mortgage origination fees • 20% additional savings on brokerage fees. • Free Internet Banking • Free Bill Pay		All Gold Account / Gold Interest Checking benefits plus: • Higher interest rates • Annual fee waived on Connect One Rewards Program	• Unlimited check-writing • Free reddiCHECK images returned with statement • Free Check Card • ATM deposit and withdrawal access • Overdraft protection*** • Special checks provided free if 62 years of age and over • Free Internet Banking and Free Bill Pay	• Unlimited check-writing • Checks stored by bank • Free Check Card • ATM deposit and withdrawal access • Special checks provided free if 62 years of age and over • Free Internet Banking and Free Bill Pay	• Requires direct deposit • Unlimited check-writing • Checks are stored by the bank • Free Check Card • ATM deposit and withdrawal access • Special checks provided free if 62 years of age and over • Free Internet Banking and Free Bill Pay	• Available to students in grade school through college • Unlimited check writing • Checks stored by bank • Free Check Card • ATM deposit and withdrawal access • Overdraft Protection*** • Free Internet Banking and Free Bill Pay	• Unlimited check-writing • Checks stored by bank • Free Check Card • ATM deposit and withdrawal access • Overdraft protection*** • Free Bill Pay • Free Internet Banking • Branch teller assisted transactions are subject to a $3 transaction fee

Click Here for current rates on all Zions Bank checking accounts. Information shown on table is valid as of 12/31/06 and is subject to change. At Zions Bank each depositor is insured to $100,000. *Combined balance as of the day prior to the Gold Checking Plus statement date in the following Zions Bank accounts: Checking, Savings, Money Market, Ultimate CDs®, Certificate of Deposit, IRAs, consumer loan and credit card outstanding balances (not passed due.) **Waived if under 22 years of age. ***Subject to credit approval. †Internet Accounts Only