Internet Checking

Your local “branch” just got a bit more convenient. With all the benefits of a Zions Bank® Simple Checking Account, the Internet Checking account allows you to manage your account at your convenience and deposit checks without having to wait in line at the bank. You’ll enjoy a variety of free online checking features and you can even transfer money and pay your bills all in one place. Hello Internet Checking, goodbye monthly maintenance fees[cite::23::cite].


This legacy product is no longer offered by Zions Bank. However, we continue to provide service and support to our valuable clients using these accounts.

Internet Checking Account Details

Features and Benefits

Includes the following services every month:
  • Unlimited ATM, debit card, and Bill Pay use
  • Tablet Banking, Mobile Banking, Online Banking and Bill Pay
  • Debit card with Zions AmaZing Deals®[cite::133::cite]
  • Direct deposit
  • Automatic transfer services
  • Check images with statement
  • Purchase Alerts
  • Electronic statements included (select eStatements in Online Banking).
Also includes the following services[cite::1670::cite]:
  • Overdraft Protection with a Check Reserve credit line[cite::2260::cite] and Overdraft Deposit Transfer Service[cite::3025::cite] (from another Zions deposit account you select)
  • Visa® credit card[cite::2260::cite] with cash-back or rewards points and no annual fee

INTERNET ONLY BANKING ACCOUNT FAQS

Prospective Customers

Yes. Most Zions Bank Internet Accounts come with an ATM card that lets you access your money anytime, surcharge free, at 580 ATMs. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico and Texas.

No. Zions Bank does not charge minimum balance fees on any of its Internet Accounts. However, if you fall into the bottom tier of certain account types you may not earn interest on your account. Please check the account information page for your product to see the interest paid for each tier for that account.

Yes. Many Zions Bank Internet Accounts come with check writing privileges and will allow you to write a check on your account that may be deposited at another institution. You may also contact us at 866-761-8349 and request us to issue you an official check by mail. Please note that for money market accounts you are restricted to three check transactions per month, based on federal rules on the usage of money market accounts.

No. Zions Bank does not charge monthly maintenance fees on its Internet Accounts.

  1. Electronic transfer from your linked account - When you apply for your new Zions Bank account you will be asked if you want to fund your account electronically by providing us with the routing and account numbers written on your personal checks. You will also be given the opportunity to have this be an account linked to allow ongoing transfers initiated through Zions Bank Online Banking.

    If you choose to link the account (or other accounts) after you apply, you can enroll the account through Online Banking. We will send you several small transactions (both deposit and withdrawals) for you to verify. After you verify the transactions that we send to your other financial institution the account will be linked. Once linked, you can log into Online Banking at any time and request a transfer in or out of your external account. Please note that it may take two to three business days for the transfer to complete and we may place a hold on any incoming funds.

  2. Check - You can write a check out to yourself with your Zions Bank Internet Account number in the memo line and mail it to:

    Zions Bank
    Internet Banking Financial Center
    PO Box 3748
    Salt Lake City, UT 84110

  3. Wire - You can wire money into your account by calling one of our friendly customer service representatives at 866-761-8349 who can walk you through the wire funding process

Yes. Our account application gives you the option of opening your account in the name of the trust. As you complete the online application, we will tell you the information we need from you in order to finalized your trust account. If you have any questions, please contact one of our friendly customer service representatives at 866-761-8349 who can walk you through the process of opening this type of account.

Absolutely. Your deposits at Zions Bank are insured by the Federal Deposit Insurance Corporation up to the maximum amount allowed by the FDIC. This insurance covers up to $250,000 per category of account ownership for each customer at the Bank. Learn how to maximize your coverage.

Internet Account Basics

Zions Bank Internet Accounts are FDIC insured deposit products created to provide our customers with high-yielding accounts that are delivered directly to you without the need for going into a local branch. By opening and servicing these accounts via the Internet, we're able to offer quality products and services to everyone across the country even if we don't have a Zions Bank branch nearby.

No. You can fund your account at by electronically linking your Internet Account with your checking or savings account at another institution and moving your money electronically. You can also easily deposit and withdraw money using traditional paper checks.

There are a number of ways to gain access to your funds deposited at Zions Bank, including:

  1. Electronic transfer to your linked account - Once your account is set up to be linked to an external account at another institution by enrolling your external account within Online Banking (or when you applied), you can log into Online Banking at any time and request a transfer to or from your external account. Please allow a minimum of two to three days when enrolling your external account to verify your external account. We will send you several small transactions (both deposit and withdrawals) for you to verify. Please note that it may take two to three business days for the transfer to complete and we may place a hold on any incoming funds.
  2. ATM – Most Zions Bank Internet Accounts come with an ATM card that lets you access your money anytime—surcharge free—at 580 ATMs. Includes 200+ Zions Bank ATMs throughout Utah and Idaho as well ATMs for Amegy Bank of Texas, California Bank & Trust, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado in Arizona, California, Colorado, Nevada, New Mexico and Texas.
  3. Check - Many Zions Bank Internet Accounts come with check writing privileges and will allow you to write a check on your account that may be deposited at another institution. You may also contact us at 866-761-8349 and request an official check by mail. Please note that for money market accounts you are restricted to three check transactions per month, based on federal rules on the usage of money market accounts.
  4. Wire - If you have a wire agreement on file with Zions Bank, you are allowed to contact us at 866-761-8349 and request a wire transfer for a nominal fee. Please note that for same-day wire transfers requests must be initiated by 3:00 p.m. MT, and a properly signed wire agreement must already be on file.

Existing Customers

To link your Zions Bank account to an external account at another institution you can enroll the account through Zions Bank Online Banking. We will send you several small transactions (both deposit and withdrawals) for you to verify. After you verify the transactions that we sent to your other financial institution the account will be linked. Once linked, you can log into Online Banking at any time and request a transfer in or out of your external account. Please note that it may take two to three business days for the transfer to complete and we may place a hold on any incoming funds.

Interest is compounded daily and is paid once a month at each statement cycle which is usually the 10th of the month. Please note that for interest to be paid there must be at least $1 in the account at the point of the new statement cycle. Accounts with zero balance are considered closed by our system and any interest earned that month will be forfeited.

No. Zions Bank doesn't charge minimum balance or monthly fees on any of its Internet Accounts. However, if you fall into the bottom tier of certain account types you may not earn interest on your account. Please check the account information page for your product to see the interest paid for each tier for that account. 

We do not sell your personal information to third parties. Please see our Privacy Notice and our Online Privacy Statement for more information.