Important Details
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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 Earn interest on managed public funds; ideal if you’re a government or public entity with a low to moderate amount of monthly transactions Earn interest on business checking balances 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.)

*Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a Financial Center for details.

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.)

*Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a Financial Center for details.

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.)

*Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a Financial Center for details.

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.)

*Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a Financial Center for details.

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.)

*Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a Financial Center for details.

Checking Account Benefits

Important Details              
Preferred Interest Rates on Business Money Market and Savings Accounts1 x x x
Overdraft Protection Options2 x x x x
Optional Added Treasury Management Solutions3 x x x x

Checking Account Details

             
Minimum Opening Deposit $100 $100 $100 $100 $100 $100 $100
Monthly Combined Transactions4 Unlimited Unlimited; fees may apply4 200 200 Unlimited Unlimited Unlimited
Monthly Cash Deposits4 Unlimited; fees may apply4 $10,000 $10,000 Unlimited Unlimited Unlimited
Monthly Maintenance Fee4 $0 $0 if offset by earnings credit allowance4
$18 if not offset by earnings credit allowance4
$0 if minimum balance maintained
$10 if minimum balance not maintained
$0 if minimum balance maintained
$12 if minimum balance not maintained
$0 $0 if minimum balance maintained
$8 if minimum balance not maintained
$0
Minimum Daily Balance to Avoid Monthly Maintenance Fee $0 $0 $2,000 $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. Must open a new Business Gold Savings or Business Gold Money Market to earn preferred interest rates.
2. Ask about our Overdraft Deposit Transfer Service and business overdraft protection options. Credit Lines require approval. Restrictions apply. Contact us for details.
3. 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.
4. Ask your Zions Bank representative for a complete list of miscellaneous services, fees and details.
 

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This page was last modified on Thu May 25 10:33:10 MDT 2017