External Transfers

Follow the steps below to add an external account[cite::154::cite] to your account profile and to complete a funds transfer.

1. Log in to Online Banking.
2. Click the "Transfers" tab.
3. Click "Other Accounts."
4. Select "Add My External Account."
5. Enter the External Account Number and Account Type. (You must be a signer on the external account. Find the account number on the bottom of a check or contact your external financial institution. You can also assign a nickname to the account so you'll easily recognize which accounts you’ve added.
6. Enter the full 9-digit[cite::153::cite] routing and transit number for the financial institution of the account you want to add. Find the routing and transit number on the bottom of a check or contact the external financial institution.
7. Click "Preview" and verify that the information you’ve entered is correct.
8. Select Submit.
9. After you click "Submit" you’ll see a confirmation page, and receive an email with instructions on how to proceed.
10. To verify that you’re the owner of that external account, a small group of deposits and withdrawals will be placed into your external account within the next two to three business days. Look for Zions Credit in the transaction description. These trial amounts must be verified within 60 days before Zions Bank will approve the enrolled account for external transfer activity.
11. Once you receive these trial amounts in your external account, log in to your Zions Online Banking account.
12. Click the “Transfers” tab.
13. Select “Other Accounts” and click “Verify” (located under the status field of the pending account). Enter the trial deposit amounts.
14. After validation the new account will be added to your list of Active External Accounts, and you'll be able to complete transfers immediately.

1. Log in to Online Banking.
2. Click the "Transfers" tab.
3. Select "Create Transfer." Note that you must add the external account to your account profile before you can transfer funds.
4. Using the dropdown boxes, select the account you want to transfer funds from and the account you want to transfer funds to.
5. Enter the amount of the transfer, including dollars and cents. For example: 14.75. You can also add specific notes about the transfer in the "Memo" field.
6. Enter the date that you want the funds to be delivered. To secure delivery by the date you select, funds will be withdrawn from your account 1 business day prior to the delivery date.
7. If you want to make this a “Recurring Transfer,” check the box and select the frequency of the transfer. For instance, you can select 1 Time Only for a funds transfer to occur only once, or Every Week and the same transfer will occur once every 7 days, or Every 2 Weeks and Every Month are also options
8. Select how many times you want the transfer to take place and click "Preview Transfer."
9. Review the Preview Transfer screen.
10. Click Submit to see confirmation that your funds transfer was successful.
11. The next screen will confirm the status of your funds transfer.

If you have any questions about this process or any other Online Banking feature, please contact a Zions Bank customer service representative by phone at 800-840-4999 (Mon. to Sat. from 7 a.m. to 8 p.m.).