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Expand Your Growing Business

Want to discover how a business savings account can help your business earn interest? Whatever the size of your business, this account offers you regular business savings with a low opening deposit and convenient access to funds. Our Business Savings account can help you expand your growing business and focus on what you already do best.

Account Features and Benefits

Important Details
  • Open an account with a minimum deposit of $1001
  • Variable rate, compounded daily2, paid monthly
  • Conduct up to 50 deposit transactions per month at no charge3
  • Deposit up to $15,000 in cash per month without a fee4
  • Earn premium rates with a qualifying checking account5
  • Use Business Online Banking6 and Business Online Bill pay to manage your finances efficiently using a mobile phone, tablet, or computer7
  • Get cash when you need it with no ATM charges at any Zions Bank ATM8
  • Contact our U.S.-based customer service Mon. to Sat. from 7 a.m. to 8 p.m. MT.
  • Go paperless with eStatements and eNotices9

View Rates

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to Zions—see our Privacy Notice.)

Premium rate increase may be available. Contact a local branch for details.

Account Details

Minimum Opening Deposit $100
Monthly Maintenance Fee1 $3
Can the monthly Fee be waived? Yes10, by maintaining a minimum daily balance of at least $50011.

Didn’t find quite what you were looking for? Take a look at our comparison table to find the most suitable savings account for your needs.

Important Details
1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and the applicable schedule of fees available in the online Agreement Center, or speak with a banker for more details.
2. Your interest rate and annual percentage yield (APY) may change at our discretion at any time. The APY assumes that interest paid remains in the account. A withdrawal will reduce earnings. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in your account each day. Interest compounds daily and will be credited to your account monthly. If you close your account before interest is credited, you will not receive accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash (checks). See the Zions Bank Deposit Product Rate Sheet for details.
3. Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle of at least four weeks. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account. Deposits: $15 charge per additional deposited item over 50.
4. There is a charge per $100 cash deposited over your allowance. Please refer to the applicable fee schedule and account disclosure for additional details.
5. Premium rate tiers are applied automatically to business savings and business money market accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. For certificates of deposit, separate account opening of the Premium Business Certificate is required to earn premium interest rates. For rate information please see the Deposit Rate Sheet.
6. Mobile Banking requires download of the smartphone or tablet version of the Zions Bank app from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment and subject to the Digital Banking Services Agreement. Business Bill Pay has no monthly service fee and includes 25 bills per month; after the 25th bill, there is a $.50 charge for each bill. Please see the Service Charge Information schedule for applicable service fees.
7. Take a picture of your check deposit and submit through your mobile phone. Limits apply:

Relationship AgeDaily Deposit LimitRolling 30 Day Deposit Limit
0-179 Days$7,500$15,000
180 + Days$10,000$20,000
Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App.
8. An ATM charge of $2 applies to transactions conducted at ATMs not owned or operated by ZB, N.A. In addition, ATM operator fees may be assessed. Please refer to the applicable schedule of fees for additional information.
9. To avoid the Paper Statement Fee of $3, the account must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements.
10. Service fee waivers will only apply to the primary account.
11. In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the business day prior to the statement date for the following linked Zions Bank business accounts: Checking, Savings, Money Market, and Certificate of Deposit (CD). Combined Loan Balance: The combined outstanding loan balance is calculated on the business day prior to the statement date for the following Zions Bank business loans: term loans, lines of credit, overdraft line of credit, credit card and SBA loans. Mortgage loans are not included. All loans are subject to credit approval.
*The interest rate (rate) and annual percentage yield (APY) are variable, may change without notice, and are generally effective as of the date indicated. Account fees may reduce earnings.

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This page was last modified on Mon Oct 23 16:17:51 MDT 2017