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Specialty Business Checking

               
  Small Trust Checking Public Funds Analyzed Checking Public Funds Interest Checking Business Interest Checking Interest on Lawyer Trust Account (IOLTA) Lawyer’s Trust Account (FBO Individual Client) Utah Association of Realtors Housing Opportunity Fund (UARHOF)
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Best to Hold funds for your clients; ideal for a real estate agency or title company Manage public funds; ideal if you’re a large, established government or public entity with multiple monthly transactions An interest-bearing checking account specially designed for government, municipality and public entities1. Earn interest on business checking balances while enjoying generous transaction limits. Earn interest on attorneys’ checking balances held in trust for multiple clients; interest is paid to the Utah Bar Association or Idaho Law Foundation Earn interest on attorneys’ checking account opened in trust for individual clients Earn interest on balances in realtor’s checking account used to deposit escrow funds for multiple clients; interest is paid to the Utah Association of Realtors Housing Opportunity Fund (UARHOF).

Interest Rates

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.

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.

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.

Checking Account Benefits

Important Details              
Preferred Interest Rates on Business Money Market and Savings Accounts2 x x x
Overdraft Protection Options3 x x x x
Optional Added Treasury Management Solutions4 x x x x

Checking Account Details

             
Minimum Opening Deposit $100 $100 $50 $50 $100 $100 $100
Monthly Combined Transactions5 Unlimited Unlimited; fees may apply6 350 250 Unlimited Unlimited Unlimited
Monthly Cash Deposits7 Unlimited; fees may apply6 $15,000 $15,000 Unlimited Unlimited Unlimited
Monthly Maintenance Fee8 $0 $0 if offset by earnings credit allowance6
$18 if not offset by earnings credit allowance6
$0 if minimum balance maintained
$15 if minimum balance not maintainted
$0 if minimum balance maintained
$15 if minimum balance not maintainted
$0 $0 if minimum balance maintained
$8 if minimum balance not maintained
$0
Minimum Daily Balance to Avoid Monthly Maintenance Fee $0 $0 $3,500 $3,500 $0 $1,000 $0
Free eDocuments (eStatements, eNotices, eTax documents) x x x x x x x
Optional Monthly Paper Statements $0 $0 $0 $0 $0 $0 $0
               
Important Details
1. Eligibility rules may apply. Ask your banker for additional information.
2. 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.
3. Insufficient Funds (NSF) Fee: $32 per transaction posted against insufficient funds, whether the bank opts to pay or decline the transaction. See the applicable fee schedule for details. Extended Overdraft Fee (Overdraft Service Fee): $5 overdraft service fee applies. See the applicable fee schedule for details. Overdraft Protection: Optional overdraft protection services are available; subject to application and credit approval. Overdraft fees and applicable transfer fees may apply. See the Deposit Account Agreement and the applicable fee schedule for details.
4. Includes Merchant Services, Positive Pay (fraud protection), Anytime Deposits®, E-invoicing and Payments (electronic invoicing and payment portal), Anytime Gateway®, ACH Services, Payroll Services, Lockbox, Investment Sweep account and Loan Sweep account options (which may require a minimum account balance) and more. See Treasury Management for product details. Certain Treasury Management Services may require credit approval; contracts may also apply.
5. 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.
6. Ask your Zions Bank representative for a complete list of miscellaneous services, fees and details.
7. There is a charge per $100 cash deposited over your allowance. Please refer to the applicable fee schedule and account disclosure for additional details.
8. 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.
 

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