Compare Checking Accounts

A personal checking account gives you the flexibility to access your money on your terms. Choose a checking account with the basics, or add extra features like ATM fee waivers or earned interest on balances. Find the right checking account for you by viewing the comparison table below.

Don't see your current personal checking account listed? Look at our legacy accounts.

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Anytime Checking®

Anytime Interest Checking®

Military Advantage Checking

Premium Interest Checking

Minimum Opening Deposit
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$50
$50
$50
$50
Monthly Maintenance Fee
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$0
$10
$0
$20
How to waive the Monthly Maintenance Fee
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n/a
Maintain a minimum daily balance of at least $1,500 -or- maintain a combined deposit and consumer loan balance of at least $10,000[cite::7007::cite].
n/a
Maintain a combined deposit balance of at least $10,000 - or - a combined deposit and consumer loan balance of at least $25,000[cite::7501::cite]
Paper Statement Service
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$3, waived when you opt out of paper statements and enroll in eStatements.[cite::7006::cite]
$3, waived when you opt out of paper statements and enroll in eStatements.[cite::7006::cite]
$0
$0
Visa Debit Card with Zions Amazing Deals
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Yes[cite::63::cite]
Yes[cite::63::cite]
Yes[cite::63::cite]
Yes[cite::63::cite]
Digital Banking with Mobile Check Deposit
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Yes[cite::7002::cite], [cite::7003::cite]
Yes[cite::7002::cite], [cite::7003::cite]
Yes[cite::7002::cite], [cite::7003::cite]
Yes[cite::7002::cite], [cite::7003::cite]
Online Bill Pay
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Zelle
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Yes[cite::4128::cite]
Yes[cite::4128::cite]
Yes[cite::4128::cite]
Yes[cite::4128::cite]
Overdraft Services
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Yes[cite::7014::cite]
Yes[cite::7014::cite]
Yes. [cite::7014::cite]
Yes[cite::7014::cite]
No-fee overdraft transfers from Savings or Credit Reserve Line
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No[cite::7030::cite]
No[cite::7030::cite]
No[cite::7030::cite]
Yes[cite::7030::cite]
Loan discount on eligible consumer loans
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No[cite::7052::cite]
No[cite::7052::cite]
Yes[cite::7052::cite]
Yes[cite::7052::cite]
Interest on Balances
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No[cite::280::cite]
Yes[cite::280::cite]
No[cite::280::cite]
Yes[cite::280::cite]
No monthly maintenance fee on linked Savings
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No[cite::7009::cite]
No[cite::7009::cite]
No[cite::7009::cite]
Yes[cite::7009::cite]
Premium interest rates on linked Savings CDs and Money Market Accounts
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No[cite::7010::cite]
No[cite::7010::cite]
No[cite::7010::cite]
Yes[cite::7010::cite]
Waived Fees
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None
None
Yes, on money orders, cashier's checks, and notary service
Yes, on money orders, cashier's checks, and notary service
Unlimited Use of Zions Banks ATMs
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Non-Zions Bank ATM fee waivers
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No[cite::7019::cite]
Yes[cite::7019::cite]. 1/month
Yes[cite::7019::cite]. 1/month
Yes[cite::7019::cite]. 3/month
Rebate of ATM fees charged by other Banks
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No[cite::7019::cite]
No[cite::7019::cite]
No[cite::7019::cite]
Yes[cite::7019::cite]. 3/month
Incoming Domestic Wire Transfer fee waivers
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n/a
n/a
n/a
Yes. 1/month
Other Fees and Service Charges

Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees available in the online Agreement center, or speak with a banker for more details.