Important Details
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Trade Agreements Help U.S. Businesses Thrive

International Banking Newsletter Archive

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Several recent trade agreements have eased the way for exports from U.S. businesses to countries all over the world by eliminating or reducing tariffs and regulatory burdens. Over the last few years, agreements between the U.S. and Israel and South Korea, as well as Russia’s admission to the World Trade Organization, have already benefitted the countries involved, their people and their economies. They have expanded the potential reach of businesses in this country and increased profits for companies of all sizes that export goods and services. Other agreements that are currently pending offer similar opportunities for businesses.

Latin America and Colombia
The Latin American economy has grown over the last few years and offers American businesses many opportunities for trade. In general, Latin America’s middle class has increased 50 percent in the past decade alone. By some estimates, it is nearly the size of China’s. There is enormous potential — economically, politically and socially — for the U.S. in its relations with countries in the Western Hemisphere. Following Vice President Joe Biden’s recent trip to Colombia, Trinidad, and Brazil he said, “As leaders across the region work to lift their citizens out of poverty and to diversify their economies from commodity-led growth, the U.S. believes that the greatest promise – for Americans and for our neighbors – lies in deeper economic integration and openness.”

Not only is the U.S. strengthening what is already a trillion-dollar trading relationship with Mexico and Canada, it also has free-trade agreements that stretch nearly continuously from Canada to Chile. One of the most promising developments is the year-old Alliance of the Pacific that includes Chile, Colombia, Peru and Mexico. This pact, involving four of the region’s fastest-growing countries, has nations across the world seeking to participate or to play a positive supporting role, including the U.S. By committing to lowering trade barriers and integrating diplomatic and commercial interests, alliance members are showing that pragmatism, not ideology, is the secret to success.

Colombia
The U.S. is Colombia’s largest trading partner, accounting for 30 percent of its total trade in 2012. In the year since the U.S.-Colombia Trade Promotion Agreement (TPA) went into effect in May of 2012, U.S. exports have increased 20% to $16 billion. The rise is even more dramatic for exports from Utah. In 2011, companies in the state exported $16 million to Colombia. By the end of 2012, that number had skyrocketed to nearly $47 million. When the agreement went into effect, 80 percent of U.S. consumer and industrial goods became eligible to enter the country duty-free and by the fifth year of the pact, 95 percent of Colombian tariffs on U.S. products will be eliminated. By the 10th year, all remaining duties will be phased out. Colombia’s economy is the third largest in Central and South America and its people are eager to try new products and services.

U.S. exports of soybeans, pork and rice have increased since the agreement was signed and overall agricultural exports were up 68 percent from May 2012 to March 2013. Other principal U.S. exports to Colombia in 2011 were machinery, mineral fuels, electrical machinery, organic chemicals, and plastic. In addition, U.S. companies export goods and services that include automotive parts, construction and mining equipment, electrical power systems, food and beverage processing equipment, information technology, medical equipment, transportation and infrastructure, and travel and tourism. The primary products Utah companies export to the country include transportation equipment, food, machinery, computers and electronics, and chemicals.

Trans-Pacific Partnership Agreement
The Trans-Pacific Partnership (TPP) agreement is currently being negotiated by nine countries: the U.S., Australia, Brunei Darussalam, Chile, Malaysia, New Zealand, Peru, Singapore, and Vietnam. In April, the U.S. Trade Representative notified Congress of its intent to include Japan, the world’s third largest economy, in the negotiations. Japan’s entry further distinguishes the TPP as the most credible pathway to broader Asia-Pacific regional economic integration. It is an ambitious, next-generation, trade agreement that reflects American priorities and values. The agreement has the potential to increase U.S. economic growth and support the creation and retention of high-quality jobs by increasing exports in a region that includes some of the world’s most robust economies and that represents more than 40 percent of global trade.

The large and growing markets of the Asia-Pacific are key destinations for U.S. manufactured goods, agricultural products, and a range of services, and the TPP will further enhance this trade and investment. As a group, the TPP countries are the largest goods and services export market for U.S. goods. Exports to the broader Asia-Pacific region totaled $942 billion in 2012, representing 61 percent of total U.S. exports. The TPP agreement will provide U.S. businesses many trading opportunities by eliminating tariffs and other barriers to trade and investment. It will also facilitate the development of production and supply chains and will make trade between the countries more seamless and efficient. The agreement will be set up to enable any necessary updates to address trade issues that might emerge in the future as well as new issues that arise with the expansion of the agreement to include new countries.

The Transatlantic Trade and Investment Partnership
The Transatlantic Trade and Investment Partnership (TTIP) is being negotiated between the U.S. and the European Union, with the first round of negotiations taking place the week of July 8 in Washington, D.C. It will be an ambitious, comprehensive, and high-standard agreement that will offer significant benefits to both areas. It will further open markets there to U.S. companies, increasing the $458 billion in goods and private services the U.S. exported in 2012 to the EU, which is its largest export market. The U.S. and EU already maintain a total of nearly $3.7 trillion in investment in each other’s economies (as of 2011) and the TPIP will strengthen those investments.

U.S. and EU officials want the trade pact to be ambitious and hope that it will largely eliminate trade tariffs and harmonize regulations across a broad range of industries. Officials hope that by launching the talks, they will deliver a boost to confidence for businesses and workers, helping to support what has been a disappointing recovery from the recession in both areas. UK PM Cameron said that a trade deal between the U.S. and the EU would be “the biggest … in history,” and could help create two million new jobs on both sides of the Atlantic.

Zions Bank is actively working to help businesses take advantage of the improved climate for trade around the world. Members of its International Banking Group are planning to travel to Colombia and Panama in February 2014 to establish banking relationships that will enhance export opportunities for businesses throughout Utah and Idaho.

Important Details
 
  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Subject to credit approval.
  3. Imprinted checks or discounted personalized check order.
  4. Waived for primary account owners under age 22.
  5. Insufficient funds fees, overdraft service fees, stop payment fees, or deposited item returned fees.
  6. Combined balance as of the day prior to the Gold Interest Checking statement date in the following Zions Bank account: checking, savings, money market, certificates of deposit, and IRAs.
  7. Combined balance as of the day prior to the Gold Checking Plus statement date in the following Zions Bank account: checking, savings, money market, certificate of deposit, IRAs, consumer loan and credit card outstanding balances (loan and credit card payments must be current).
  8. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  1. Requires a Gold, Gold Interest, or Gold Checking Plus Account.
  2. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Interest is calculated on the collected balance which is book balance minus float.
  4. Statement Savings and Ultimate Savings accounts $2 fee for each teller window withdrawal in excess of three per month.
  5. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  1. Terms and Restrictions may apply. Contact Financial Center for details. Refer to a tax professional for tax deduction and/or liability information.
  2. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.
  3. Requires a Gold Interest or Gold Checking Plus account.

*Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and is based on the Wall Street Journal Prime Rate, which is subject to change with the Index, plus a margin based on credit worthiness. Prime Rate is currently as of 02/26/2015. Offer available for new consumer credit cards only. All offers are subject to change at any time, may not be available with all card types. See your Consumer Credit Card Agreement and Disclosures for details.

  1. AmaZing Rewards® Points—Earn one point for every one dollar you spend. Rewards Points earned on net purchases only. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Redemption: Points may be redeemed against any purchase. Minimum 2500 earned points to redeem and redemption must occur within 90 days of purchase date. Account must be in good standing. See AmaZing Rewards Terms and Conditions for full details.
  2. Double AmaZing Rewards Points for first 90 days—Earn double rewards points for every dollar spent on net purchases during the first 90 days of account opening. At the end of the 90 days, you will earn 1 point for every dollar spent. Redemption: Points may be redeemed against any purchase. Minimum 2,500 earned points to redeem and redemption must occur within 90 days of purchase date. Account must be in good standing. See AmaZing Rewards Terms and Conditions for full details.
  3. Cash Back Program—Cash Back is earned on net purchases only. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Participation in the AmaZing Cash Back program requires a Zions Bank deposit account in the same name as the cardholder and cash back will be deposited in $50 increments.
  4. 2% Cash Back for first 90 days—Earn double cash back for every dollar spent on net purchases during the first 90 days of account opening. At the end of the 90 days, you will earn 1% cash back.
  5. 25% Annual Rewards Points Bonus—Cardholder may earn up to 25% bonus on $25,000 annual card spend on net purchases. Bonus is based on your total annual card spend, total rewards points earned, and annual spending tier. Annual Spending Tiers: < $4,999 = 0%, $5,000 - $9,999 = 5%, $10,000 - $14,999 = 10%, $15,000 - $19,999 = 15%, $20,000 - 24,999 = 20%, $25,000+ = 25%. For example, if you have an annual spend of $12,500 you have earned 12,500 points (1 reward point) plus you will receive an annual bonus of 1,250 points (10% under Tier 3). Annual Bonus will be awarded within 6 weeks of calendar year end to your rewards points balance.
  6. 25% Annual Cash Back Bonus—Cardholder may earn up to 25% bonus on $25,000 annual card spend on net purchases. Bonus is based on your total annual card spend, total cash back earned, and annual spending tier. Annual Spending Tiers: Tier 1 - $0 - $4,999 = 0%, Tier 2 - $5,000 - $9,999 = 5%, Tier 3 - $10,000 - $14,999 = 10%, Tier 4 - $15,000 - $19,999 = 15%, Tier 5 - $20,000 - 24,999 = 20%, Tier 6 - $25,000+ = 25%. For example, if you have an annual spend of $12,500 you have earned $125 (1% cash back) plus you will receive an annual bonus of $12.50 (10% under Tier 3). Annual Bonus will be awarded within 6 weeks of calendar year end to your deposit account.
  7. 0.00% Intro APR for 6 months on purchases, thereafter, the variable APR will range from 9.24% to 18.24%. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  8. 0.00% Intro APR on balance transfers for the first 12 months, thereafter, the variable APR will range from 9.24% to 18.24%. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the Intro period will not be charged any interest. Minimum balance payments are still required each month.
  9. Zions AmaZing Deals—Earn cash rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  10. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile, Verizon Wireless, AT&T, Sprint, Boost Mobile, Cricket Wireless, Virgin Mobile USA, ALLTEL Communications Inc., Interop - Appalachian Wireless, US Cellular and Cincinnati Bell phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  11. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  12. myPHOTOcard® gives you the first image for free and subsequent images at $4.95 each. Learn more in the myPHOTOcard Terms and Conditions.
  13. Visa® Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.
  14. Cardholder inquiry service. For answers to questions about your card, call 888-758-5349, 24x7.
  15. See your Visa Card Guide to Benefits for details on additional services and benefits.

Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

† Credit card subject to credit approval. Restrictions apply, contact Financial Center for details.

  1. Earn cash rewards on qualified purchases using your Zions Bank Visa debit card (requires a Zions Bank checking account) or Zions Bank Visa credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See zionsamazingdeals.com for a current list of participating merchants and program terms & conditions.
  2. Message or data rates from your wireless provider may apply.
  3. Cash rewards for travel are paid upon completion of travel. Airfare purchases do not qualify.

*Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and is based on the Wall Street Journal Prime Rate, which is subject to change with the Index, plus a margin based on credit worthiness. Prime Rate is currently as of 02/26/2015. Offer available for new consumer credit cards only. All offers are subject to change at any time, may not be available with all card types. See your Consumer Credit Card Agreement and Disclosures for details.

  1. AmaZing Cash Back—Cash Back is earned on net purchases only. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Participation in the AmaZing Cash Back program requires a Zions Bank deposit account in the same name as the cardholder and cash back will be deposited in $50 increments.
  2. 2% Cash Back for first 90 days—Earn double cash back for every dollar spent on net purchases during the first 90 days of account opening. At the end of the 90 days, you will earn 1% cash back.
  3. 25% Annual Cash Back Bonus—Cardholder may earn up to 25% bonus on $25,000 annual card spend on net purchases. Bonus is based on your total annual card spend, total cash back earned, and annual spending tier. Annual Spending Tiers: Tier 1 - $0 - $4,999 = 0%, Tier 2 - $5,000 - $9,999 = 5%, Tier 3 - $10,000 - $14,999 = 10%, Tier 4 - $15,000 - $19,999 = 15%, Tier 5 - $20,000 - 24,999 = 20%, Tier 6 - $25,000+ = 25%. For example, if you have an annual spend of $12,500 you have earned $125 (1% cash back) plus you will receive an annual bonus of $12.50 (10% under Tier 3). Annual Bonus will be awarded within 6 weeks of calendar year end to your deposit account.
  4. 0.00% Intro APR for 6 months on purchases, thereafter, the variable APR will range from 11.24% to 18.24%. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  5. 0.00% Intro APR on balance transfers for the first 12 months, thereafter, the variable APR will range from 11.24% to 18.24%. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the Intro period will not be charged any interest. Minimum balance payments are still required each month.
  6. Zions AmaZing Deals Earn cash rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See www.zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  7. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile, Verizon Wireless, AT&T, Sprint, Boost Mobile, Cricket Wireless, Virgin Mobile USA, ALLTEL Communications Inc., Interop - Appalachian Wireless, US Cellular and Cincinnati Bell phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  8. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  9. myPHOTOcard® gives you the first image for free and subsequent images at $4.95 each. Learn more in the myPHOTOcard Terms and Conditions.
  10. See your Visa Card Guide to Benefits for details on additional services and benefits.
  11. Visa® Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.
  12. Cardholder inquiry service. For answers to questions about your card, call 888-758-5349, 24x7.

Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

*Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and is based on the Wall Street Journal Prime Rate, which is subject to change with the Index, plus a margin based on credit worthiness. Prime Rate is currently as of 02/26/2015. Offer available for new consumer credit cards only. All offers are subject to change at any time, may not be available with all card types. See your Consumer Credit Card Agreement and Disclosures for details.

  1. 0.00% Intro APR for 6 months on purchases, thereafter, the variable APR will range from 9.24% to 12.24%. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  2. 0.00% Intro APR on balance transfers for the first 12 months, thereafter, the variable APR will range from 9.24% to 12.24%. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the Intro period will not be charged any interest. Minimum balance payments are still required each month.
  3. Zions AmaZing Deals—Earn cash rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See www.zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  4. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile, Verizon Wireless, AT&T, Sprint, Boost Mobile, Cricket Wireless, Virgin Mobile USA, ALLTEL Communications Inc., Interop - Appalachian Wireless, US Cellular and Cincinnati Bell phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  5. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  6. myPHOTOcard® gives you the first image for free and subsequent images at $4.95 each. Learn more in the myPHOTOcard Terms and Condition.
  7. See your Visa Card Guide to Benefits for details on additional services and benefits.
  8. Visa® Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.
  9. Cardholder inquiry service. For answers to questions about your card call 888-758-5349, 24x7.

Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

  1. Message or data rates from your wireless provider may apply.
  2. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa debit card (requires a Zions Bank checking account) or Zions Bank Visa credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  3. iPhone®, iPad® and iPod Touch® are registered trademarks of Apple Inc. and Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks.

*Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and is based on the Wall Street Journal Prime Rate, which is subject to change with the Index, plus a margin based on credit worthiness. Prime Rate is currently as of 02/26/2015. Offer available for new consumer credit cards only. All offers are subject to change at any time, may not be available with all card types. See your Consumer Credit Card Agreement and Disclosures for details.

  1. 0.00% Intro APR for 6 months on purchases, thereafter, the variable APR will range from 11.24% to 18.24%. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  2. 0.00% Intro APR on balance transfers for the first 12 months, thereafter, the variable APR will range from 11.24% to 18.24%. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the Intro period will not be charged any interest. Minimum balance payments are still required each month.
  3. Zions AmaZing Deals—Earn cash rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating merchants, are subject to change at any time and may vary by location, day, time or event. See www.zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  4. Mobile Card Fraud Alert—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile, Verizon Wireless, AT&T, Sprint, Boost Mobile, Cricket Wireless, Virgin Mobile USA, ALLTEL Communications Inc., Interop - Appalachian Wireless, US Cellular and Cincinnati Bell phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  5. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  6. myPHOTOcard® gives you the first image for free and subsequent images at $4.95 each. Learn more in the myPHOTOcard Terms and Conditions.
  7. See your Visa Card Guide to Benefits for details on additional services and benefits.
  8. Visa® Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.
  9. Cardholder inquiry service. For answers to questions about your card, call 888-758-5349, 24x7.

Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

Important Disclosure Information:
*Credit Cards are subject to credit approval. Certain terms, conditions and restrictions apply. See your Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

  1. AmaZing Rewards®—Cardholder earns 1 rewards point for every dollar spent on net purchases only. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler's checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming, betting and lottery tickets. Points may be redeemed against any qualified purchases. Purchases must be redeemed within 90 days of purchase date and you must have at least 2,500 points to redeem. Account must be in good standing. See AmaZing Rewards Program Terms and Conditions for full details.

Important Disclosure Information:
*Credit Cards are subject to credit approval. Certain terms, conditions and restrictions apply. See your Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

  1. AmaZing Rewards—Cardholder earns 1 rewards point for every dollar spent on net purchases only. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler's checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming, betting and lottery tickets. Points may be redeemed against any qualified purchases. Purchases must be redeemed within 90 days of purchase date and you must have at least 2,500 points to redeem. Account must be in good standing. See AmaZing Rewards Program Terms and Conditions for full details.
  2. Double AmaZing Rewards Points—Cardholder will earn 2 points for every dollar spent on net purchases during the first 90 days of account opening. At the end of the 3 months, cardholder will earn 1 point for every dollar spent. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler's checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming, betting and lottery tickets. This offer only available to new consumer credit card accounts.
  3. Up to 25% Annual Rewards Bonus—Offer available on AmaZing Rewards card only. Cardholder may earn up to 25% bonus on $25,000 annual card spend on net purchases. Bonus is based on your total annual card spend, total rewards points earned, and annual spending tier. Annual Spending Tiers: < $5,000 = 0%, $5,000–$9,999 = 5%, $10,000–$14,999 = 10%, $15,000–$19,999 = 15%, $20,000–$24,999 = 20%, $25,000+ = 25%. Sample annual reward is: Annual spend of $12,500 earns 1 point for every dollar spent or 12,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 1,250 points (12,500 x 10%). The annual bonus will be credited to your rewards points balance within 6 weeks of the calendar year end. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler's checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming, betting and lottery tickets. This offer only available to new consumer credit card accounts.
  4. 0% Intro APR on new purchases for 6 months—0% Introductory APR for the first 6 months from account opening, after that, the variable APR will range from 11.24 to 18.24% based on credit worthiness and card type. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime rate is currently as of 02/26/2015. Introductory APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month. This offer is only available to new consumer credit cards and not available with all card types.
  5. 0% Intro APR Balance Transfers for 12 months—0% Introductory APR Balance Transfer for the first 12 months, after that, the variable APR will range from 11.24–18.24% based on credit worthiness and card type. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime rate is currently as of 02/26/2015. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum balance payments are still required each month. This offer is only available to new consumer credit cards and not available with all card types.
  6. Zions AmaZing Deals—Earn cash rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See zionsamazingdeals.com for a current list of participating merchants and program terms and conditions.
  7. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile, Verizon Wireless, AT&T, Sprint, Boost Mobile, Cricket Wireless, Virgin Mobile USA, ALLTEL Communications Inc., Interop - Appalachian Wireless, US Cellular and Cincinnati Bell phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  8. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  9. myPHOTOcard® gives you the first image for free and subsequent images at $4.95 each. Learn more in the myPHOTOcard Terms and Conditions.
  10. See your Visa Card Guide to Benefits for details on additional services and benefits
  11. Visa® Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.
  12. Cardholder inquiry service. For answers to questions about your card, call 888-758-5349, 24x7.

Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

  1. Minimum annual percentage rate (APR) is based on a loan amount of $25,000 with a 60-month term for a 4-year-old or newer automobile, automatic payment discount from a Zions Bank® account and from a Gold Checking Plus or Gold Interest Checking account discount and excellent credit worthiness.
  2. Maximum APR is based on a loan amount of $2,500 with a 36 month term for a 5-year-old or older automobile.
  • *Sample payment information based on estimated loan information:
    • 60-month term: Minimum fixed 3.46% APR; based on a loan amount of $25,000.00; monthly payment is $454.35.
    • 36-month term: Maximum fixed 10.68% APR; based on a loan amount of $2,500.00; monthly payment is $81.47.
  • *Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, model year of vehicle, credit worthiness and any automatic payment discounts from a Zions Bank® account and/or Gold Checking Plus or Gold Interest Checking accounts. Rates and terms are subject to change without notice. Other conditions may apply. Contact a Financial Center for full details.

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. Must be enrolled in Online Banking to enroll in Purchase Alerts to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  4. Subject to credit approval. Restrictions apply. Contact a Financial Center for details.
  5. Waived for primary account owners under age 22.
  6. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

  1. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  2. Must be enrolled in Online Banking to enroll in Purchase Alerts to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply. Subject to credit approval. Terms and conditions apply. Contact a Financial Center for details.
  3. Waived for primary account owners under age 22.
  4. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  5. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  • * Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
  • † All interest rates/ Annual Percentage Yields (APY) are variable except Regular CDs and Gold CDs and may change after the account is opened. Regular and Gold CD rates are fixed for the term of the CD. Penalties assessed for early withdrawals from Regular and Gold CDs. Fees may reduce earnings.
  • Minimum opening deposits are as follows:
    Statement / Gold Statement Savings $50 Certificates of Deposit $1,000
    Checking Accounts $100 IRA Certificates $1,000
    Money Market / Gold Money Market $1,000 Gold Market Plus IRA $100
  1. Loans subject to credit approval. Product terms and conditions apply. See financial center for details.
  2. Visa Signature® is a registered trademark of Visa International Services Association.
  • * Transfers are subject to the terms and conditions of the Internet Banking Services Agreement. Funds transferred between your Zions Bank accounts before 10:00pm (Mountain Time) are immediately available. All transfers after 10:00pm or on Saturdays, Sundays, or Federal holidays will be posted to your account on the next business day. External Transfers (between a Zions Bank account and a non-Zions Bank account) initiated after 2:00pm (MT) will be processed the next business day.
  • NOTICE OF HOLD: Funds from External Account Transfers will be available by the 4th business day after the day the funds are received. Insufficient funds at the time of a scheduled transfer may overdraw your account and result in a fee. Please note: Outbound External Transfers will display as a pending transaction to your account on the date that the transfer is scheduled. Agreements are available in the online Agreement Center, under the Services tab.
  1. Zions Bank does not charge for the Mobile Card Fraud Alert Service. However, standard text message and data rates from your mobile phone carrier may apply.
  2. Currently available with T-Mobile®, Verizon Wireless®, AT&T®, Sprint®, Boost® Mobile, Cricket® Wireless, Virgin Mobile USA, ALLTEL® Communications Inc, Interop - Appalachian Wireless, US Cellular®, Cincinnati BellSM.

See Terms and Conditions for complete details

  1. Minimum denominations apply for exchanges made at Zions Bank. Consult the table below or contact Zions Bank Foreign Exchange Services for applicable minimum denominations and current availability. No coin or amounts below lowest denomination can be bought or sold by Zions Bank. See information on fees below.

* Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

  1. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.

* 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.

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

  1. Subject to credit approval. Restrictions apply. Contact a Financial Center for details
  2. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  3. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  4. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  5. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  6. Combined balance as of the day prior to the Gold Checking Plus statement date in the following Zions consumer accounts: Personal Checking, Savings, Money Market, Certificate of Deposit, IRAs, consumer loan and credit card outstanding balances (loan and credit card payments must be current).

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

* 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.

  1. Subject to credit approval. Restrictions apply. Contact a Financial Center for details.
  2. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank® Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  3. Must be enrolled in Online Banking to enroll in Purchase Alerts to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  4. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  5. Combined balance as of the day prior to the Gold Interest Checking statement date in the following Zions Bank account: checking, savings, money market, certificates of deposit, and IRAs.
  6. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

* 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.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*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.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

* 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.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMS throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

IBFX® is a registered trademark of IBFX, Inc. Corporation and Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks. Zions Bank is not affiliated with IBFX and does not provide, warrant or guaranty IBFX products or services.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  1. Fee may apply. Available for select payees only.

* Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Call 866-761-8349 for details.

  1. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. Must be enrolled in Online Banking to enroll in Purchase Alerts to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  4. Subject to credit approval. Terms and conditions apply. Contact a Financial Center for details.
  5. Waived for primary account owners under age 22.
  6. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*Interest is calculated on collected funds only. Annual percentage yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Call 866-761-8349 for details.

  1. IRA account must have a single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.

* 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.

  1. IRA account must be single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.

* 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.

  1. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.
  2. IRA account must be single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.

* 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.

  1. This rate is available for balances below $1,000. The portion of the balance above $1,000 earns a rate equal to the Personal Gold Statement Savings account. During, or any time after the year of the primary account holder’s 13th birthday, the account will be changed to a Student Savings Account. An adult signer is required on this account.

*Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.

* Credit Cards are subject to credit approval. Certain terms, conditions and restrictions apply. See your Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time. These are variable rate products. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently as of 02/26/2015). The interest rate payable on the card will change effective with changes in the Index.

  1. Zions AmaZing Deals - Zions AmaZing Deals requires the use of a Zions Bank Visa debit or credit card. PIN-based transactions do not qualify, so be sure to sign for your purchase. A monthly processing fee is deducted from your earned cash rewards. Zions AmaZing Deals program is available at participating merchants only. Merchants and offers are subject to change at any time and may vary by location, day, time or event. See www.zionsamazingdeals.com for a current list of participating merchants and complete program terms and conditions. Some merchants offer rewards for online purchases only. Online merchants must be accessed through www.zionsamazingdeals.com in order to qualify for a reward.
  2. Cardholder earns 1 reward point or 1% cash back for every dollar spent on net purchases only. Cash back is not earned on cash advances, balance transfers, fees, quasi-cash such as traveler?s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming, betting and lottery tickets. Participation in the Cash Back program requires an open and active deposit account with Zions Bank, in good standing in the same name as the credit card holder. Earned cash back will be credited in increments of $50.00. Amazing Rewards annual fee of $25 may apply.
  3. Purchase Alerts - Must be enrolled in online banking to enroll in Purchase Alerts. Certain transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  4. myPHOTOcard® - First image is free with myPHOTOcard®. Subsequent images are $4.95.
  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. Subject to credit approval. Restrictions apply. Contact a Financial Center for details
  3. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  4. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  5. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*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.

  1. Subject to credit approval. Restrictions apply. Contact Financial Center for details.
  2. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  3. Must be enrolled in online banking to enroll in Purchase Alerts and to use mobile banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  4. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  5. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*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 Relationship Qualifications.

  1. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMS throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*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 Relationship Qualifications.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts. PIN-based debit card transactions are not eligible to receive alerts. Messages and data rates from your wireless provider may apply
  2. Actual time to receive alert is dependent on wireless service and coverage within area.
  3. Credit cards subject to credit approval. Terms and conditions apply. Contact financial center for details.
  4. Zions Bank does not charge for the Mobile Card Fraud Alert Service. However, standard text message and data rates from your mobile phone carrier may apply. Learn more.
  1. A one-way text is for notification purposes and cannot handle incoming responses.
  2. A two-way text allows for the consumer to respond to the inquiry.
  3. Must be enrolled in Online Banking to enroll in Purchase Alerts. PIN-based debit card transactions are not eligible to receive alerts. Messages and data rates from your wireless provider may apply.
  4. Actual time to receive alert is dependent on wireless service and coverage within area.

* Loans subject to credit approval, restrictions apply. Loan terms, fees and conditions apply and are subject to change without notice. See financial center for details.

* Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

  1. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.

* Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

  1. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.
  2. IRA account must be single owner. Annual contribution limits may apply. Refer to a tax professional for tax deductibility and required distribution information.

* 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.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  1. Minimum APR is based on a loan amount of $20,000 with a 120-month term for a new purchase (no previous owner), automatic payment discount from a Zions Bank® account and from a Gold Checking Plus account or Gold Interest Checking account discount and excellent credit worthiness.
  2. Maximum APR is based on a loan amount of $2,500 with a 36-month term for a new or used purchase.
  • *Sample payment information based on estimated loan information:
    • 120-month term at the minimum fixed 5.07% APR; based on a loan amount of $20,000.00, monthly payment is $212.82.
    • 36-month term at the maximum fixed 13.62% APR; based on a loan amount of $2,500.00, monthly payment is $84.98.
  • *Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $2,500. A $75 origination fee applies. Actual APR will be determined based on loan amount, new or used purchase, credit history and any automatic payment and Gold Checking Plus account or Gold Interest Checking account discounts. Other rates and plans are available. Contact a Financial Center for full details.
  1. Student Checking is for individuals up to 26 years of age. Students under 18 years of age must have an adult as joint signer. Applicants under the age of 18 cannot apply online and should visit a local Financial Center.
  2. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  4. Subject to credit approval. Terms and conditions apply. Contact a Financial Center for details.
  5. Waived for primary account owners under age 22.
  6. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

* 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.

  1. This rate is available for balances below $2,000. The portion of the balance above $2,000 earns a rate equal to the Personal Gold Statement Savings account. During, or any time after the year of the primary account holder’s 26th birthday, the account will be changed to a Personal Statement Savings Account. An adult signer is required on this account if the primary signer is under age 18.

* 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.

  1. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

* 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.

  1. Must be enrolled in Online Banking to enroll in Purchase Alerts and to use Tablet Banking and Mobile Banking. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
  2. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.

*Zions Bank checking accounts are 9-digits in length; savings accounts are 10-digits.

  1. Covers US issued cards only. Visa's Zero Liability policy does not apply to commercial credit cards, ATM transactions or PIN transactions not processed by Visa. Notify your financial institution immediately of any suspected fraudulent use.
  2. Actual time to receive alert is dependent on wireless service and coverage within area.

Investment products and services offered through Zions Direct, Member FINRA/SIPC, a non-bank subsidiary of Zions Bank, are NOT insured by the FDIC or any federal or state governmental agency, are NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates, and MAY be subject to investment risks, including the possible loss of principal value or amount invested.

  1. Eligible checks to cash using Zions Express include preprinted government and paychecks (not hand-written or typed) with the maker's name, address, payee name and amount, and with a check number greater than 300 and no more than 3 weeks old. No personal or hand-written checks will be accepted. The amount of the check must be less than or equal to $2,000.
  2. Zions Express check-cashing service is included at no cost for all Zions Bank account holders. Non-Zions Bank account holders pay a fee of 1.5% of the check's face value. For example, for a check written for $500, the cashing fee would be $7.50.
  1. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.
  2. Unincorporated businesses and government entities are not eligible for the debit card; may not be used with Sweep accounts.
  3. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify, so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  4. Ask about our Overdraft Deposit Transfer Service and business overdraft protection options. Credit Lines require approval. Restrictions apply. Contact us for details.
  5. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, Commerce Bank of Oregon, Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas and Washington.
  6. For Basic Business Checking, Business Checking, Business Interest Checking and Commercial Checking, there is a charge for each additional item over your allowance.
  7. For Basic Business Checking, Business Checking and Business Interest Checking, there is a charge per $100 cash deposited over your allowance.
  8. Certain Treasury Management Services may require credit approval; contracts may apply.
  9. Ask your Zions Bank representative for a complete list of miscellaneous services, fees and details.
  10. Rates are set by Zions Bank and are subject to change at bank’s discretion. Contact a Financial Center for details.
  1. Interest is calculated using the daily balance method, which applies a daily periodic rate to the collected balance in the account each day. Annual percentage yield (APY) is variable and may change. Other fees may apply and may reduce earnings. Contact a Financial Center for details.
  2. Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.
  3. Ask your Zions Bank representative for a complete list of miscellaneous services, fees and details.

*Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. These are variable rate products. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime rate is currently as of 02/26/2015. See Zions Bank Business Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

  1. 0.00% Introductory APR on new purchases for first six (6) months from account opening, after that, 14.24% variable APR for the AmaZing Cash and AmaZing Rewards for Business cards, 10.24% variable APR for the AmaZing Rate for Business card. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently as of 02/26/2015) plus a margin. The interest rate payable on the card will change effective with changes in the Index. Introductory APR does not apply to cash advances. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. This offer only available for new AmaZing Business credit cards.
  2. 0.00% Introductory APR on Balance Transfers for the first 12 months, after that, 14.24% variable APR for the AmaZing Cash and AmaZing Rewards for Business cards, 10.24% variable APR for the AmaZing Rate for Business card. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently as of 02/26/2015) plus a margin. The interest rate payable on the card will change effective with changes in the Index. Balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum balance payments are still required each month. This offer only available for new AmaZing Business credit cards.
  3. 2% Cash Back is earned on select business purchases which include office supplies, wireless telephone services, computer network services, insurance products, and telecommunications services and equipment. If earnings in these categories exceed 20% of total purchases for the year, cardholder will earn 1% cash back. Cash back is not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash for Business program requires an open and active Zions Bank business deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited in increments of $100.
  4. Earn one reward point for every dollar spent on net purchases only. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Offer available on AmaZing Rewards for Business credit cards only.
  5. Customers earn 1% for every dollar spent on net purchases only. Cash back is not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash for Business program requires an open and active Zions Bank business deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited in increments of $100.
  6. Cardholder may earn up to 25% bonus on $250,000+ annual card spend on net purchases. Bonus is based on your total annual card spend, total annual rewards points earned, and annual spending tier. Annual Spending Tiers: Tier 1: $0 - $49,999 = 0%, Tier 2: $50,000 - $99,999 = 5%, Tier 3: $100,000 - $149,999 = 10%, Tier 4: $150,000 - $199,999 = 15%, Tier 5: $200,000 - $249,999 = 20%, Tier 6: $250,000+ = 25%. Sample annual reward is: Annual spend of $120,500 earns 1 point for every dollar spent or 120,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 12,050 points (120,500 x 10%). The annual bonus will be credited to your rewards points balance within six weeks of the calendar year-end. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Offer available on AmaZing Rewards for Business credit cards only.

All loans are subject to credit approval; restrictions apply. See a Financial Center for details.

*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.

  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. There is a charge for each additional item over your allowance.
  3. There is a charge per $100 cash deposited over your allowance.
  4. Unincorporated businesses and government entities are not eligible for the debit card.
  5. Earn Zions® Cash Rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify, so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions Cash Rewards for full details, terms and conditions.
  6. Certain Treasury Management Services may require credit approval and contracts may apply.
  7. Ask about our Overdraft Deposit Transfer Service and business overdraft protection options. Credit Lines require credit approval. Restrictions apply. Contact Financial Center for details.

*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 Relationship Qualifications.

  1. Must be enrolled in online banking to use mobile banking. Message or data rates from your wireless provider may apply.

This service is provided by Access®. Zions Bank® is not affiliated with Access and does not provide, warrant or guaranty Access services.

*Earn a bonus of $250 cash back or statement credit or 25,000 rewards points when your business spends $2,500 in the first 3 months of account opening (cash advances, balance transfers and quasi cash amounts do not qualify toward $2,500 spend). One bonus payment per business, not per account or per card. Offer applies to new AmaZing Business Credit Cards opened, on or after January 1, 2013, subject to credit approval. Limited time offer, subject to change at any time. Certain terms, conditions, and restrictions apply. See the Zions Bank Business Credit Card Application and Agreement and Disclosures for details.

Payment of advertised bonus for each card type once the purchase requirement is met is as follows:

  • AmaZing Cash for Business Card—$250 cash deposited to the required open and active Zions Bank® business deposit account
  • Amazing Rewards for Business Card—25,000 points added to earned rewards point's balance
  • Amazing Rate for Business Card—$250 statement credit applied to account

Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See Zions Bank Business Credit Card Application Agreement and Disclosures for details. All offers subject to change at any time.

  1. 1% Cash Back—1% cash back is earned on net purchases only. Transactional items, such as cash advances, balance transfers, returned merchandise, etc., are not eligible. Participation in the AmaZing Cash Back program requires a Zions Bank business deposit account in the same name as the cardholder; cash back will be deposited in $100 increments.
  2. 2% Cash Back—2% cash back is earned on select business purchases, including office supplies, wireless telephone services, computer network services, insurance products and telecommunications services and equipment. If earnings in these categories exceed 20% of total purchases for the year, cardholder will earn 1% cash back. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Participation in AmaZing Cash for Business program requires an open and active Zions Bank business deposit account in the same name as the credit cardholder and cash back will be deposited in $100 increments.
  3. 0.00% introductory APR for 6 months of purchases: 0% intro APR on new purchases for the first 6 months after that, 14.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the index. Prime rate is currently as of 02/26/2015. Introductory APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  4. 0.00% Introductory APR on balance transfers for the first 12 months, after that, 14.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the index. Prime rate is currently as of 02/26/2015. Balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introduction period will not be charged interest. Minimum balance payments are still required each month.
  5. myPHOTOCard®—First image is free. Subsequent images are $4.95 each.
  6. Earn a bonus of $250 cash back or statement credit or 25,000 rewards points when your business spends $2,500 in the first 3 months of opening an account (cash advances, balance transfers and quasi cash amounts do not qualify toward $2,500 spend). One bonus payment per business, not per account or per card. Offer applies to new AmaZing Business Credit Cards opened, on or after January 1, 2013, subject to credit approval. Payment of advertised bonus for each card type once the purchase requirement is met is as follows: AmaZing Cash for Business Card – $250 cash deposited to the required open and active Zions Bank business deposit account Amazing Rewards for Business Card – 25,000 points added to earned rewards point’s balance Amazing Rate for Business Card – $250 statement credit applied to account. Limited time offer, subject to change at any time. Certain terms, conditions, and restrictions apply. See the Zions Bank Business Credit Card Application and Agreement and Disclosures for details.

Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See Zions Bank Business Credit Card Application Agreement and Disclosures for details. All offers subject to change at any time.

  1. Earn $250 statement credit when your business spends $2,500 in the first 3 months of account opening (cash advances, balance transfers and quasi cash amounts do not qualify toward $2,500 spend). One bonus payment per business, not per account or per card. Offer applies to new AmaZing Business Credit Cards opened on or after January 1, 2013, subject to credit approval. Limited time offer, subject to change at any time. Certain terms, conditions, and restrictions apply. See the Zions Bank Business Credit Card Application and Agreement and Disclosures for details.
  2. 0.00% introductory APR for 6 months of purchases: 0% intro APR on new purchases for the first 6 months after that, 10.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the index. Prime rate is currently as of 02/26/2015. Introductory APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
  3. 0.00% introductory APR on balance transfers for the first 12 months, after that, 10.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the index. Prime rate is currently as of 02/26/2015. Balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introduction period will not be charged interest. Minimum balance payments are still required each month.
  4. myPHOTOCard®—First image is free. Subsequent images are $4.95 each.

Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See Zions Bank Business Credit Card Application Agreement and Disclosures for details. All offers subject to change at any time.

  1. AmaZing Rewards Points: Earn one rewards point for every dollar spent on net purchases only. Transactional items, such as cash advances, balance transfers, returned merchandise, etc., are not eligible. Redemption: Points may be redeemed against any purchase. Minimum 2,500 earned points to redeem and redemption must occur within 90 days of purchase date. Account must be in good standing. See AmaZing Rewards Terms and Conditions for full details.
  2. 25% Annual Rewards Bonus Offer available on Amazing Rewards for Business credit cards only. Cardholder may earn up to 25% bonus on annual card spend on net purchases. Bonus is based on total annual card spend, rewards points earned and annual spending tier. Annual Spending Tiers: Tier 1: < $50,000 = 0%, Tier 2: $50,000 - $99,999 = 5%, Tier 3: $100,000 - $149,999 = 10%, Tier 4: $150,000 - $199,999 = 15%, Tier 5: $200,000 - $249,999 = 20%, Tier 6: $250,000+ = 25%. Sample annual reward is: Annual spend of $120,500 earns 1 point for every dollar spent or 120,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 12,050 points (120,500 x 10%). Transactional items, such as cash advances, balance transfers, returned merchandise, etc., are not eligible. The annual bonus will be credited to your rewards points balance within 6 weeks of the calendar yearend. This offer only available to new business credit card accounts.
  3. Points may be redeemed against any qualified purchases. Purchases must be redeemed within 90 days of purchase date and you must have at least 2,500 points to redeem. Account must be in good standing. See Amazing Rewards Program Terms and Conditions for full details.
  4. 0.00% introductory APR on new purchases for first six (6) months from account opening, after that, 14.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal (currently as of 02/26/2015.) plus a margin. The interest rate payable on the card will change effective with changes in the index. Introductory APR does not apply to cash advances. Purchases made during the first six (6) months of account opening will not be charged any interest. Minimum balance payments are required each month.
  5. 0.00% introductory APR on balance transfers for the first 12 months, after that, 14.24% variable APR. The APR is based on the prime rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the index. Prime rate is currently as of 02/26/2015. Balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introduction period will not be charged interest. Minimum balance payments are still required each month.
  6. myPHOTOCard®—First image is free. Subsequent images are $4.95 each.
  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  2. There is a charge for each additional item beyond your allowance.
  3. There is a charge per $100 cash deposited over your allowance.
  4. Unincorporated businesses and government entities are not eligible for the debit card.
  5. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify, so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions Cash Rewards for full details, terms and conditions.
  6. Certain Treasury Management Services may require credit approval and contracts may apply.
  7. Ask about our Overdraft Deposit Transfer Service and business overdraft protection options. Credit Lines require credit approval. Restrictions apply. Contact a Financial Center for details.
  1. 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.
  2. Expedite convenience fee may apply.

* Interest is calculated on collected funds only. Annual percentage yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  2. There is a charge for each additional item over your allowance.
  3. There is a charge per $100 cash deposited over your allowance.
  4. Unincorporated businesses and government entities are not eligible.
  5. Earn Zions® Cash Rewards on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify, so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions Cash Rewards for full details, terms and conditions.
  6. Certain Treasury Management Services may require credit approval and contracts may apply.
  7. Ask about our Overdraft Deposit Transfer Service and business overdraft protection options. Credit Lines require credit approval. Restrictions apply. Contact a Financial Center for details.
  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) or Zions Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.
  3. Rates are set by Zions Bank and are subject to change at bank’s discretion.
  4. Unincorporated businesses and government entities are not eligible.
  5. Certain Treasury Management Services may require credit approval and contracts may apply.
  6. Ask about our Sweep, Overdraft Deposit Transfer Service, and business overdraft protection options. Credit Lines require approval. Restrictions apply. Contact Financial Center for details.

* Earn Zions AmaZing Deals on qualified purchases using your Zions Bank Visa® debit card (requires a Zions Bank checking account) when you shop at participating merchants. PIN-based transactions do not qualify so be sure to sign for your purchase. No enrollment fee to participate in the program and no out-of-pocket cost; a minimal monthly processing fee is deducted from your paid earnings only if a cash reward is paid. See Zions AmaZing Deals for full details, terms and conditions.

  1. Optional—If you elect to enroll in an optional service, the monthly charge listed for that item will be in addition to any additional per item fees.
  2. $0.50 per transaction. Employee direct deposit and electronic tax payments are upon approved credit and have an initial ACH setup fee.
  3. To enroll in Direct Deposit and Tax Payments, you’ll also need to be enrolled in or enroll in Business Online Banking.

*Use of any information from this site is for general information only and does not represent business planning advice either express or implied. Seek professional advice for your business planning.

*Credit approval required. Subject to Restrictions. Call 801-844-7687 for more information.

*Interest is calculated on collected funds only. Annual percentage yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

* Some options are subject to credit approval, terms and conditions may apply.

The information presented is presented for general informational purposes only and does not constitute tax, legal, investment or business advice. For further information, terms or conditions for Zions Bank international services please visit www.zionsbank.com.

Certain Zions Bank trade finance services are subject to credit approval, restrictions apply.

The information presented is presented for general informational purposes only and does not constitute tax, legal, investment or business advice. For further information, terms or conditions for Zions Bank international services please visit www.zionsbank.com.

* 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.

* 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.

*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.

*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.

  1. Equipment financing is subject to credit approval. Certain criteria applies. See a specialist for details. Equipment financing is offered through Zions Credit Corporation, a subsidiary of Zions First National Bank.
  2. Certain criteria apply.

*Interest is calculated on collected funds only. Annual percentage yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. Contact a Financial Center for details.

*Credit Cards are subject to credit approval. Certain terms, conditions and restrictions apply. See your Legacy Business Credit Card Agreement and Disclosures for more details. All offers subject to change at any time. These are variable rate products. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently as of 02/26/2015). The interest rate payable on the card will change effective with changes in the Index.

* All letters of credit are subject to approval. Restrictions apply. Contact Financial Center for details.

* All letters of credit are subject to approval. Restrictions apply. Contact Financial Center for details.

  1. Mobile Check Deposit is available only through the Zions Bank Mobile Banking app and is not available using a mobile web browser. Limits apply:
    • Business accounts are limited to $7,500 in total check deposits per day and $15,000 in total check deposits during a consecutive 30-day period.
  2. Subject to data coverage.
  3. Mobile Banking with Mobile Check Deposit is a free service from Zions Bank, however message and data rates from your wireless provider may apply. Check with your service provider for details.
  4. Full support available on Android OS 4.0, 2.3 and 2.2; iOS 5.1. Partial support with Android OS 2.1 through 4.4; iOS 4.3 through 7.0; Windows Phone 7 and 7.5. Minimal support with Android OS 1.x through 3.x; iOS 3.1 and older; and older Blackberry OS and Windows Mobile OS versions. Console supported in Mozilla Firefox 15.0 and newer and Google Chrome 25 and newer.

iPhone® and iPad® are registered trademarks of Apple Inc. Android is a trademark of Google Inc. Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks.

  1. There is a one-time ACH setup fee of $50 for new service, with a limit of $50,000 per day. Above $50,000 will need additional credit approval. This $50 fee does not apply to existing Direct Deposit or Tax Payment clients; it is only for new setups.
  2. Business Online Bill Pay has no monthly service fee and includes 25 bills per month; after the 25th bill there is a $0.50 charge for each bill.
  3. Business Online Banking Fee: No monthly service fee and no transaction fee for up to 150 transactions per month. Each additional transaction is $0.15. We add the transactions from all checking, money market and savings accounts appearing in your Business Online Banking profile. “Transactions” means all the deposits, checks, transfers and other debits, including those not initiated online or by you. Bill Pay, Direct Deposit and Electronic Tax Payments count toward the 150 transaction limit, and are also subject to the fees charged for those transaction types. Business Online Banking Fees are in addition to charges otherwise applicable to your account type (see our Business Interest & Service Fee schedule).
  4. Standard stop payment fees apply. See your account terms and conditions for more details.
  1. All Loans are subject to bank loan approval requirements, restrictions or conditions may apply.
  2. 1031 exchange services are offered through Exchange Services LLC, a subsidiary of Zions Bank.

* Loans are subject to approval. Restrictions apply. Contact a Financial Center for details. Terms and conditions are subject to change without notice.

* All loans are subject to credit approval. Restrictions apply. See Financial Center for details.

* SBA Express loans are subject to credit approval. Restrictions apply. See bank for details.

Loans are subject to approval, restrictions apply, contact a Financial Center for details. Terms and conditions are subject to change without notice.

* Some services are subject to approval, restrictions apply.

  1. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Currently available with T-Mobile®, Verizon Wireless®, AT&T®, Sprint®, Boost® Mobile, Cricket® Wireless, Virgin Mobile USA, ALLTEL® Communications Inc, Interop - Appalachian Wireless, US Cellular ®, Cincinnati BellSM phone service. Available services are subject to change without notice. See Terms and Conditions for complete details.
  2. Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Mobile Banking is a free service from Zions Bank; however, message and data rates from your wireless provider may apply. Check with your service provider for details.
  4. Subject to data coverage.
  5. Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See Zions Bank Business Credit Card Application Agreement and Disclosures for details. All offers subject to change at any time.
  6. Loan subject to credit approval. Restrictions apply. Rates subject to change at any time.
  1. Mobile Banking is a free service from Zions Bank; however, message and data rates from your wireless provider may apply. Check with your service provider for details.
  2. Subject to data coverage
  3. Credit Cards are subject to credit approval. Certain terms, conditions and restrictions apply. See your Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.
  4. Loan subject to credit approval. Restrictions apply. Rates subject to change at anytime.

* No purchase or other consideration required to enter drawing. Must be between 7th and 12th grade (ages 13-18) and residents of Utah or Idaho. Must receive "A" letter grades on report card. Employees of Zions Bank and its affiliates and their immediate family members who would normally fit the requirements of this drawing are not eligible to enter or win. Click here for Official Rules and Regulations.

  • *Current and new Kids Savings account holders are eligible for free RSL Kids Club membership using the coupon available from Zions Bank Financial Centers located along the Wasatch Front in Utah.
  • Coupons are only available at Wasatch Front Zions Bank Financial Centers. Membership in RSL Kids Club is subject to RSL terms and conditions. Zions Bank is not responsible for eligibility or membership in RSL Kids Club.
  • If the primary signer is under 18, a parent/adult is required to sign on the Kids Savings account. The parent/adult must also open a Zions account or another Zions Bank service at the time the Kids Savings account is open.
  1. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. See Terms and Conditions for complete details.
  2. Visa Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  3. Visa Zero Liability Cardholder is not responsible for fraudulent charges made with their card or account information as long as notification of unauthorized use to card issuer is immediate. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. Contact us for specific conditions, restrictions, limitations and other details.

*If you’ve previously purchased Financial Peace University® course material, you and your entire household can attend at no cost.

*If you’ve previously purchased Financial Peace University® course material, you and your entire household can attend at no cost.

  1. Based on the reported results from the first class of 18 households held in 2003.
  2. National average reported by Dave Ramsey on his website.

Dave Ramsey® and Financial Peace University® are registered trademarks of Lampo Group, Inc., which is not affiliated with Zions Bank. Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks or make any warranties about products and services offered under or associated with such marks.

* Also known as Transaction-Based Authentication Service via SMS.

  1. Message and data rates from your wireless provider may apply. Check with your service provider for details.

Dave Ramsey® and Financial Peace University® are registered trademarks of Lampo Group, Inc., which is not affiliated with Zions Bank. Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks or make any warranties about products and services offered under or associated with such marks.

  1. A one-way text is for notification purposes and cannot handle incoming responses.
  2. A two-way text allows for the consumer to respond to the inquiry.
  1. Mobile Card Fraud Alert Service—Zions Bank does not charge for the Mobile Card Fraud Alert service. However, standard text message and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. See Terms and Conditions for complete details.
  2. Visa Purchase Alerts requires enrollment in Online Banking. Certain transaction notifications are sent to your email account and/or mobile device by SMS text. Message and data rates from your wireless provider may apply.
  1. Overdraft Deposit Transfer service subject to a minimum transfer amount and fee per transfer applies. See Zions Bank’s Interest and Service Fees schedule for details.
  2. Check Reserve Credit Line is subject to credit approval for all account signers; terms and conditions apply. Minimum transfer amount and fee per advance apply. See Financial Center for details.

These complimentary interactive webinars are sponsored by Zions Bank and are offered for informational purposes only, and should not be construed as legal or other professional advice. All information provided should be considered as educational in nature and not as professional services. Consult with an attorney or other professional concerning your own needs and circumstances. By utilizing the information provided by Zions Bank, you acknowledge and agree this does not constitute any legal commitment to become a customer of any bank including Zions Bank and its affiliates nor does it constitute an offer of any extension or modification of any credit to you by Zions Bank or its affiliates. The presentations on this web page may contain trademarks or tradenames owned by parties who are not affiliated with Zions Bank. Use of such marks does not imply any sponsorship by or affiliation with third parties, and Zions Bank does not claim any ownership of or make representations about products and services offered under or associated with such marks.

*Loans are subject to credit approval, terms and conditions apply. Property must be located in Utah or Idaho, owner-occupied, first lien position. Other programs are available. See a financial representative for details. Rates as of 02/26/2015 and are subject to change without notice. NMLS#467014.

5 Year ARM (Adjustable Rate Mortgage) 3.128% APR is based on excellent credit history and is based on an index plus a margin and is subject to change. 5/1 ARM is amortized over 30-years, the APR is fixed for the initial 5 years (no rate adjustments occur during this time frame) and will adjust annually for the remaining term of the loan. Estimated ARM payment sample: Loan amount of $200,000.00; variable 3.250% APR; initial 60 monthly payments (fixed for the first 5 years) are $870.41 , followed by 300 monthly payments of $1,529.61 Payments do not include amounts for taxes and insurance and your actual payment may be higher and can increase after the initial fixed period.

*Loans are subject to credit approval, terms and conditions apply. Property must be located in Utah or Idaho, owner-occupied, first lien position. Other programs are available. See a financial representative for details. Rates as of 02/26/2015 and are subject to change without notice. NMLS#467014.

15 Year Fixed 3.297% Annual Percentage Rate (APR) is based on excellent credit history. Estimated payment sample: $200,000 loan amount, 20% down payment with an interest rate of 3.125%, 1% origination fee, and $3,977.62 estimated closing costs, amortized over 15 years, which yields 180 monthly principal and interest payments of $1,393.22. Payment does not include taxes and insurance and your payment may be higher.

*Loans are subject to credit approval, terms and conditions apply. Property must be located in Utah or Idaho, owner-occupied, first lien position. Other programs are available. See a financial representative for details. Rates as of 02/26/2015 and are subject to change without notice. NMLS#467014.

30 Year Fixed 3.889% Annual Percentage Rate (APR) is based on excellent credit history. Estimated payment sample: $200,000 loan amount, 20% down payment with an interest rate of 3.750% , 1% origination fee and $3,989.28 estimated closing costs, amortized over 30 years, which yields 360 monthly principal and interest payments of $926.23. Payment does not include taxes and insurance and your payment may be higher.

*Loans subject to credit approval, restrictions apply.

**3.297% Annual Percentage Rate (APR) is estimated based on excellent credit history, $200,000 loan amount, 20% down payment with an interest rate of 3.125%, 1% origination fee, and $3,977.62 estimated closing costs, amortized over 15 years, which yields 180 monthly principal and interest payments of $1,393.22. Payment does not include taxes and insurance and your payment may be higher. Credit and collateral approval required. Property must be located in Utah or Idaho, owner-occupied, first lien position. Your APR may be different. Property insurance is required. Other Program conditions or restrictions may apply. Other programs are available.

***3.889% Annual Percentage Rate (APR) is estimated based on excellent credit history, $200,000 loan amount 20% down payment with an interest rate of 3.750%, 1% origination fee and $3,989.28 estimated closing costs, amortized over 30 years, which yields 360 monthly principal and interest payments of $926.23. Payment does not include taxes and insurance and your payment may be higher. Credit and collateral approval required. Property must be located in Utah or Idaho, owner-occupied, first lien position. Your APR may be different. Property insurance is required. Other Program conditions or restrictions may apply. Other programs are available.

  • * Advertised adjustable 3.128% APR (fixed for first 5 years) and adjustable APR 3.289% (fixed for first 7 years) is based on an index plus a margin and may increase after the loan closes (after the initial fixed 5 or 7 year periods). Important terms and conditions for advertised loans: 1) Permanent loans are 30-year amortized, 5/1 ARM and 7/1 ARM where the interest rate charged is based on a variable rate and is fixed for the first 5 or 7 years (no rate adjustments occur during this time frame) and adjusts annually thereafter for the rest of the loan period. 2) Best credit applies. 3) Collateral must be first lien, residential property located in Utah or Idaho and 20% down payment. 4) Standard fees apply (origination, appraisal, inspections, title policy, recording, etc). Information provided is based on estimated interest rates and loan fees; your actual APR and may be different. Other rates, terms and products are available. Subject to credit and collateral approval; other terms and conditions apply; offer is subject to change anytime. Contact Financial Center for details.
  • Payment information: Payments do not include amounts for taxes and insurance and your actual payment may be higher and can increase after the initial fixed period. (Examples are based on estimated information: Loan amount of $200,000 , advertised variable rate of 3.250% for the 5/1 ARM and 3.500% for the 7/1 ARM). 5/1 ARM: Initial 5 year monthly payment is $870.41 , followed by 25 years of monthly payments that could be as high as $1,529.61 . 7/1 ARM: Initial 7 year monthly payment is $898.09 followed by 23 years of monthly payments that could be as high as $1,518.85.
  1. Subject to credit approval. Terms and conditions apply. NMLS# 467014.

*Loans subject to credit approval restrictions apply.

  1. Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 5 years (no rate adjustments occur during this time frame) and will adjust every 5 years for the remaining term of the loan. At time of adjustments, the APR will not be lower than 3.64% regardless of the fully indexed rate at the adjustment time. Maximum APR is 9.99%.
  • *Sample payments for variable rates based on estimated information:
    • 240 month term based on estimated information: Loan amount of $200,000.00; variable 3.59% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,169.19, followed by 180 monthly payments of $1,209.66.
    • 240 month term based on estimated information: Loan amount of $200,000.00; variable 4.34% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,248.09, followed by 180 monthly payments of $1,290.38.
    • 360 month term based on estimated information: Loan amount of $200,000.00; variable 3.79% APR; initial 60 monthly payments (fixed for the first 5 years) are $930.78, followed by 300 monthly payments of $980.66.
    • 360 month term based on estimated information: Loan amount of $200,000.00; variable 4.45% APR; initial 60 monthly payments (fixed for the first 5 years) are $1,007.44, followed by 300 monthly payments of $1,059.69.
  • Payment does not include amounts for taxes and insurance, and your actual payment may be higher.
  • Important terms and conditions for advertised Flex Five Home Loans:
    • Annual percentage rate (APR) is based on primary residence and credit worthiness. Loan-to-value up to 80%. APRs are variable based on an index plus a margin and may increase after closing; subject to change without notice. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. First lien position required. Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.

Important terms and conditions for advertised Home Refinance Loans:

1. Annual percentage rate (APR) is based on primary residence or second home, credit worthiness and loan-to-value up to 80%. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant’s expense. First lien position required. Minimum loan amount is $5,000.

ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher APR applies; actual third-party costs will be assessed; maximum loan-to-value up to 75%.

Loans subject to credit approval; terms and conditions apply. Other rates, terms and products are available. Contact a Financial Center for full details.

  • *Fixed-rate loans are fixed for the full term of the loan; and the monthly payments will not change for the life of the loan.
    • Sample payments for fixed rates based on estimated information:
      • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.54% APR; monthly payments are $1,345.81.
      • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.29% APR; monthly payments are $1,380.27.
      • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 3.74% APR; monthly payments are $1,000.14.
      • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.49% APR; monthly payments are $1,035.90.
    • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
  • **Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 10 years (no rate adjustments occur during this time frame) and will adjust one time for the remaining 5 years of the loan. At time of adjustment, the APR will not be lower than 3.79% regardless of the fully indexed rate at the adjustment time. Maximum APR is 9.99%.
    • Sample payments for variable rates based on estimated information:
      • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 3.94% APR; initial 120 monthly payments (fixed for the first 10 years) are $736.68, followed by 60 monthly payments of $736.68.
      • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.69% APR; initial 120 monthly payments (fixed for the first 10 years) are $774.74, followed by 60 monthly payments of $774.74.
    • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
  • Fixed-rate loans are fixed for the full term of the loan and the monthly payments will not change for the life of the loan.
  • *Sample payments for fixed rates based on estimated information:
    • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 4.69% APR; monthly payments are $1,404.72.
    • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.19% APR; monthly payments are $1,456.60.
    • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.19% APR; monthly payments are $802.47.
    • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.69% APR; monthly payments are $858.88.
  • *Sample payments for variable rates based on estimated information:
    • Variable rate term of 180 months based on loan amount of $75,000.00; variable 5.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $604.49, followed by 60 monthly payments of $604.49.
    • Variable rate term of 180 months based on loan amount of $75,000.00; variable 6.75% APR; initial 120 monthly payments (fixed for the first 10 years) are $663.68, followed by 60 monthly payments of $663.68.
    • Variable rate term of 240 months based on loan amount of $75,000.00; variable 5.39% APR; initial 120 monthly payments (fixed for the first 10 years) are $511.27, followed by 60 monthly payments of $511.27.
    • Variable rate term of 240 months based on loan amount of $75,000.00; variable 6.75% APR; initial 120 monthly payments (fixed for the first 10 years) are $570.27 followed by 60 monthly payments of $570.27.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
  • Important terms and conditions for advertised Home Equity Loans:
    1. Annual percentage rate (APR) is based on credit worthiness, combined loan-to-value up to 80%. Loan requires a second lien position on primary residence; first or second lien position on rentals and second homes. Automatic payment discounts from a Zions Bank® account and/or a Gold Checking Plus or Gold Interest Checking account available where applicable. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Property insurance required. No points, origination or closing costs. Minimum loan amount is $5,000.

      Additional restrictions apply to loans secured by MANUFACTURED HOME WITH LOT: higher APR applies with a maximum 75% combined loan-to-value, third-party costs paid by borrower. Other rates, terms and products are available.

      Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.
  1. Annual percentage rate (APR) is variable and may increase after closing based on an index plus a margin and is subject to change without notice. APR is based on commitment amount, loan-to-value up to 80% and credit worthiness. If the rate adjusts, the minimum APR will not be lower than 3.74% and the maximum APR will not exceed 21%. Automatic payment discount from a Zions Bank® account available where applicable. Other APRs are available. No annual or origination fee. Property insurance is required. Property must be located in Utah/Idaho. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant's expense. Fees that may apply to the Home Equity Credit Line: Closing fees may range from $350.00–$2,100.00. Certain account activity fees may range from $5.00–$50.00. An early closure fee of $350.00 applies for terminating the plan within the first 3 years. Modification fee of $250.00 applies. Rental properties will require a 1% loan fee and third-party costs apply. Consult a tax advisor regarding the deductibility of interest. Loans subject to credit approval. Other APRs are available. Contact a Financial Center for details.
  1. LockSelect loan applies a $25 fee per loan. Terms and conditions apply. Contact a Financial Center for details.
  • *Fixed-rate loans are fixed for the full term of the loan; and the monthly payments will not change for the life of the loan.
    • Sample payments for fixed rates based on estimated information:
      • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 3.54% APR; monthly payments are $1,345.81.
      • 84 month term based on estimated information: Loan amount of $100,000.00; fixed 4.29% APR; monthly payments are $1,380.27.
      • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 3.74% APR; monthly payments are $1,000.14.
      • 120 month term based on estimated information: Loan amount of $100,000.00; fixed 4.49% APR; monthly payments are $1,035.90.
    • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.

Important terms and conditions for advertised Home Refinance Loans:

1. Annual percentage rate (APR) is based on primary residence or second home, credit worthiness and loan-to-value up to 80%. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant’s expense. First lien position required. Minimum loan amount is $5,000.

ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher APR applies; actual third-party costs will be assessed; maximum loan-to-value up to 75%.

Loans subject to credit approval; terms and conditions apply. Other rates, terms and products are available. Contact a Financial Center for full details.

  • **Adjustable rate mortgage (ARM) loan rates are variable and may increase at the specified adjustment period; subject to change without notice. The APR is fixed for the first 10 years (no rate adjustments occur during this time frame) and will adjust one time for the remaining 5 years of the loan. At time of adjustment, the APR will not be lower than 3.79% regardless of the fully indexed rate at the adjustment time. Maximum APR is 9.99%.
    • Sample payments for variable rates based on estimated information:
      • Variable rate term of 180 months: Loan amount of $100,000.00; minimum variable 3.94% APR; initial 120 monthly payments (fixed for the first 10 years) are $736.68, followed by 60 monthly payments of $736.68.
      • Variable rate term of 180 months: Loan amount of $100,000.00; maximum variable 4.69% APR; initial 120 monthly payments (fixed for the first 10 years) are $774.74, followed by 60 monthly payments of $774.74.
    • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.

Important terms and conditions for advertised Home Refinance Loans:

1. Annual percentage rate (APR) is based on primary residence or second home, credit worthiness and loan-to-value up to 80%. Automatic payment discount from a Zions Bank® account available where applicable. Property values will be determined by lender—any external appraisal requested by applicant will be at the applicant’s expense. First lien position required. Minimum loan amount is $5,000.

ADDITIONAL RESTRICTIONS FOR LOANS SECURED BY MANUFACTURED HOME WITH LOT: Higher APR applies; actual third-party costs will be assessed; maximum loan-to-value up to 75%.

Loans subject to credit approval; terms and conditions apply. Other rates, terms and products are available. Contact a Financial Center for full details.

  • Fixed-rate loans are fixed for the full term of the loan and the monthly payments will not change for the life of the loan.
  • *Sample payments for fixed rates based on estimated information:
    • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 4.69% APR; monthly payments are $1,404.72.
    • 60 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.19% APR; monthly payments are $1,456.60.
    • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 5.19% APR; monthly payments are $802.47.
    • 120 month term based on estimated information: Loan amount of $75,000.00; fixed-rate fixed 6.69% APR; monthly payments are $858.88.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
  • Important terms and conditions for advertised Home Equity Loans:
    1. Annual percentage rate (APR) is based on credit worthiness, combined loan-to-value up to 80%. Loan requires a second lien position on primary residence; first or second lien position on rentals and second homes. Automatic payment discounts from a Zions Bank® account and/or a Gold Checking Plus or Gold Interest Checking account available where applicable. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Property insurance required. No points, origination or closing costs. Minimum loan amount is $5,000.

      Additional restrictions apply to loans secured by MANUFACTURED HOME WITH LOT: higher APR applies with a maximum 75% combined loan-to-value, third-party costs paid by borrower. Other rates, terms and products are available.

      Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.
  • *Sample payments for variable rates based on estimated information:
    • Variable rate term of 180 months based on loan amount of $75,000.00; variable 5.29% APR; initial 120 monthly payments (fixed for the first 10 years) are $604.49, followed by 60 monthly payments of $604.49.
    • Variable rate term of 180 months based on loan amount of $75,000.00; variable 6.75% APR; initial 120 monthly payments (fixed for the first 10 years) are $663.68, followed by 60 monthly payments of $663.68.
    • Variable rate term of 240 months based on loan amount of $75,000.00; variable 5.39% APR; initial 120 monthly payments (fixed for the first 10 years) are $511.27, followed by 60 monthly payments of $511.27.
    • Variable rate term of 240 months based on loan amount of $75,000.00; variable 6.75% APR; initial 120 monthly payments (fixed for the first 10 years) are $570.27 followed by 60 monthly payments of $570.27.
  • Payments do not include amounts for taxes and insurance, and your actual payment may be higher.
  • Important terms and conditions for advertised Home Equity Loans:
    1. Annual percentage rate (APR) is based on credit worthiness, combined loan-to-value up to 80%. Loan requires a second lien position on primary residence; first or second lien position on rentals and second homes. Automatic payment discounts from a Zions Bank® account and/or a Gold Checking Plus or Gold Interest Checking account available where applicable. Property values will be determined by lender—any external appraisal requested by borrower will be at the borrower's expense. Property insurance required. No points, origination or closing costs. Minimum loan amount is $5,000.

      Additional restrictions apply to loans secured by MANUFACTURED HOME WITH LOT: higher APR applies with a maximum 75% combined loan-to-value, third-party costs paid by borrower. Other rates, terms and products are available.

      Loans subject to credit approval; terms and conditions apply. Contact a Financial Center for full details.
  1. Credit cards subject to credit approval. See the Commercial Card Program Master Agreement and Corresponding Supplemental Incentive Addendum for further details.
  2. Provided through Visa® Intellink Spend Management program.

All offers (services) subject to change at any time

  1. Tablet Banking is a included at no cost from Zions Bank; however, message and data rates from your wireless provider may apply. Check with your service provider for details.
  2. Subject to data coverage.

iPad®, iPad mini® and iTunes® are registered trademarks of Apple, Inc. and Zions Bank does not claim any ownership or exclusive rights to the use of these trademarks.

These calculators are provided by one or more third-party service providers. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Zions Bank cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and for illustrative purposes only. Use of these calculators does not constitute an application for, commitment to extend, or approval of, a request for credit. The calculated results are in no way endorsed, offered or guaranteed by Zions, our subsidiaries or affiliates. These calculators do not offer tax, legal or financial advice. We encourage you to seek personalized advice from qualified professionals regarding all personal financial issues.

  1. A minimum down payment of 20% is required.
  2. Loans subject to credit approval, restrictions apply.
  3. 3.297% Annual Percentage Rate (APR) is estimated based on excellent credit history, $200,000 loan amount, 20% down payment with an interest rate of 3.125% , 1% origination fee, and $3,977.62 estimated closing costs, amortized over 15 years, which yields 180 monthly principal and interest payments of $1,393.22. Payment does not include taxes and insurance and your payment may be higher. Credit and collateral approval required. Property must be located in Utah or Idaho, owner-occupied, first lien position. Your APR may be different. Property insurance is required. Other Program conditions or restrictions may apply. Other programs are available.
  4. 3.889% Annual Percentage Rate (APR) is estimated based on excellent credit history, $200,000 loan amount 20% down payment with an interest rate of 3.750%, 1% origination fee and $3,989.28 estimated closing costs, amortized over 30 years, which yields 360 monthly principal and interest payments of $926.23. Payment does not include taxes and insurance and your payment may be higher. Credit and collateral approval required. Property must be located in Utah or Idaho, owner-occupied, first lien position. Your APR may be different. Property insurance is required. Other Program conditions or restrictions may apply. Other programs are available.
  5. Advertised adjustable 3.128% APR (fixed for first 5 years) and adjustable APR 3.289% (fixed for first 7 years) is based on an index plus a margin and may increase after the loan closes (after the initial fixed 5 or 7 year periods).
    Important terms and conditions for advertised loans:
    1) Permanent loans are 30-year amortized, 5/1 ARM and 7/1 ARM where the interest rate charged is based on a variable rate and is fixed for the first 5 or 7 years (no rate adjustments occur during this time frame) and adjusts annually thereafter for the rest of the loan period. 2) Best credit applies. 3) Collateral must be first lien, residential property located in Utah or Idaho and 20% down payment. 4) Standard fees apply (origination, appraisal, inspections, title policy, recording, etc). Information provided is based on estimated interest rates and loan fees; your actual APR and may be different. Other rates, terms and products are available. Subject to credit and collateral approval; other terms and conditions apply; offer is subject to change anytime. Contact bank for details.
    Payment information: Payments do not include amounts for taxes and insurance and your actual payment may be higher and can increase after the initial fixed period. (Examples are based on estimated information: Loan amount of $200,000, advertised variable rate of 3.250% for the 5/1 ARM and 3.500% for the 7/1 ARM).
    5/1 ARM:
    Initial 5 year monthly payment is $870.41, followed by 25 years of monthly payments that could be as high as $1,529.61.
    7/1 ARM:
    Initial 7 year monthly payment is $898.09 followed by 23 years of monthly payments that could be as high as $1,518.85.
This page was last modified on Thu Feb 26 15:59:42 MST 2015