The Zions Bank Commitment to its Communities Impacted by Coronavirus

Coronavirus-related Message Points for Clients

As our communities experience challenges related to the coronavirus (COVID-19) pandemic, we want you to know Zions Bank is:

  • operating from a position of strength and stability 
  • supporting affected businesses, nonprofits and consumers
  • continuing service levels through a variety of health-conscious channels

Our coronavirus task force is meeting regularly to respond quickly to evolving conditions, monitoring local health department and CDC updates, and executing our company’s pandemic plan, created more than a decade ago.

Operating from a position of strength and stability

  • As a division of Zions Bancorporation, N.A., Zions Bank is operating from a position of strength and stability. Our company is well-capitalized, with strong reserves to absorb loan losses from clients adversely affected by the economic impacts of the coronavirus outbreak.
  • Our capital ratios are stronger than the median levels of peer banks. For details about credit quality and financial performance, visit and review the most-recent investor presentation slides posted on the home page.
  • Zions Bancorporation, N.A. has ample liquidity. We have a strong and granular small business and consumer deposit base, and we’re focused on supporting our clients’ credit needs.
  • All along, we’ve had conservative lending standards and the credit quality of our loan portfolio has been among the very best in the industry.
  • Because our company has developed tools that help us model financial stress, we are prepared to weather challenging economic conditions. 

Working hard to support affected businesses, nonprofits and consumers

  • Our bankers are reaching out to clients to help assess their needs. In addition, we encourage clients who are concerned about their financial condition to contact their bank relationship manager or local branch. We stand ready to explore payment deferrals and loan extensions, when conditions permit. Deferred payments will not be reported as delinquent to credit bureaus.
  • Additionally, we have generally placed a moratorium on foreclosures.
  • As noted above, our bank is in a strong financial position. To provide additional comfort, your deposit funds at Zions Bank remain accessible and insured by the FDIC. Today the FDIC insures up to $250,000 per depositor of the funds in a Zions Bank deposit account. To learn more about FDIC deposit insurance, visit, contact our Customer Care Center at 888-307-3411, or use the FDIC Federal Deposit Insurance Estimator, available online at

Continuing service levels through a variety of health-conscious channels

  • We recognize bankers are essential workers in this economy. We are supporting the health and safety of all of our employees.
  • Where possible, all Zions Bank’s branch service has shifted to drive-up service. Branch staff members are using rubber gloves to regularly clean high-touch surfaces, vacuum air tubes, and buttons with disinfectant regularly throughout the day. Custodial services at our branches and other bank facilities have been enhanced with hospital-grade disinfectant and cleaning frequencies have increased.
  • Branches with lobbies open are limiting the number of visitors and staff in the building at one time and creating space to physically distance from one another. We are respectfully asking clients experiencing symptoms of illness to use drive-up or digital channels rather than entering our lobbies.
  • Importantly, in this digital era, our clients can access their accounts and transact most all of their business with us using online, mobile and ATM banking services. Relationship officers remain available via phone and video conference.
  • Many of Zions Bank’s employees have the technology to work remotely to continue to serve clients and manage the bank’s operations while helping slow the spread of coronavirus. We are geographically dispersed across 11 western states, and we have contingency plans to receive technology back-up and support from colleagues in other departments and affiliates.
  • Treasury management offerings allowing business clients to perform transactions, initiate wire transfers and ACH payments, pay their employees via electronic payroll, and many more financial services continue to be available electronically.