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Business Savings Accounts and CDs

   
  Business Savings Business Money Market Business CD
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Savings and CD Interest Rates

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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.)

*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.

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.)

*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.

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.)

*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.
       

Savings and CD Benefits

Important Details
 
Relationship Pricing Available (earns higher interest with Business Connect and Business Interest Checking)1 null null null
Business Mobile Banking, Business Online Banking, Tablet Banking2 null null null
Bill Pay null
FDIC Insured null null null
       

Savings and CD Account Details

     
Minimum Opening Deposit3 $100 $1,000 $1,000 ($100,000 for Jumbo CD)
Minimum Balance To Earn Interest $0 $1,000
Number of Included Transactions Per month4 50 deposited items/month 50 deposited items/month
Number of included Cash Deposits per month $15,000/month $15,000/month
Monthly Maintenance Fee5 $3 $0 $0
Ways to Avoid Monthly Maintenance Fee6 Maintain minimum daily balance of $500 or more during the statement cycle
Interest Payment Compounds daily, paid monthly Compounds daily, paid monthly Compounds daily, based on term of certificate
Withdrawals7 Make an unlimited number of withdrawals from your account in person, by ATM or by mail or messenger and up to 6 withdrawals within a 30-day statement cycle by preauthorized transfer, telephone, or computer transfer to another account or third party.
$5 for each additional withdrawal after six (6) per statement cycle $15 for each additional withdrawal after six (6) per statement cycle Substantial penalty for early principal withdrawal
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.
Don’t see your current business savings account listed? Look at our legacy accounts.
       
Important Details

A business savings account is a convenient way to keep your money safe while watching it grow. With a savings account, you can gain financial freedom and have the stability to grow your business with confidence. And as your business expands, you’ll always have the money you need for any unexpected expenses.

1. 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.
2. 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.
3. 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.
4. Transaction: A transaction is a combination of debited items (withdrawals) credited items (deposits) and deposited items per statement cycle, and includes the following: Credits - any deposit into the account. Debits - any withdrawal such as check, draft, ACH or other debit against the account. Deposited items - each individual item that comprises a deposit such as a check or other item deposited.
5. Monthly maintenance fees are waived on linked business savings and business money market accounts when the primary owner of the Business Connect, or Business Interest checking account is also an owner on the linked account.
6. 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.
7. 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.
 

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This page was last modified on Mon Oct 23 16:18:01 MDT 2017