Important Details
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Personal Checking Account Comparison Table

  Anytime Checking Anytime Interest Checking Military Advantage Checking Premium Interest Checking
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Interest Rates

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Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to Zions—see our Privacy Notice.)

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.
*The interest rate (rate) and annual percentage yield (APY) are variable, may change without notice, and are generally effective as of the date indicated. Account fees may reduce earnings.

View Rates

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to Zions—see our Privacy Notice.)

*The interest rate (rate) and annual percentage yield (APY) are variable, may change without notice, and are generally effective as of the date indicated. Account fees may reduce earnings.
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Checking Benefits

Important Details
     
Visa® Debit Card with Zions AmaZing Deals1 null null null null
Online Banking & Online Bill Pay2 null null null null
Mobile Banking with Remote Deposits3 null null null null
Popmoney® person-to-person transfers4 null null null null
Overdraft Services5 null null null null
No-fee overdraft transfers from Savings or Credit Reserve Line6 null
Loan discount on eligible consumer loans7 null null
Interest on balances8 null null
No monthly maintenance fee on linked Savings9 null
Premium interest rates on linked Savings, CDs, and Money Market Accounts10 null
Waived Fees on: Money Orders, Cashier's Checks, and Notary Service null null
Unlimited use of Zions Bank ATMs null null null null
Non-Zions Bank ATM fee waivers11 null 1/month null 1/month null 3/month
Rebate of ATM fees charged by other Banks11 null 3/month
Incoming Domestic Wire Transfer fee waivers null 1/month

Checking Requirements

Anytime Checking Anytime Interest Checking Military Advantage Checking Premium Interest Checking
Minimum opening deposit $50 $50 $50 $50
Monthly Maintenance Fee12 $0 $10 $0 $20
How to avoid a Monthly Maintenance Fee13 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 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
Paper statement service14 $3 or enroll in eStatements and this fee is waived $3 or enroll in eStatements and this fee is waived $0 $0
Other Fees & Service Charges Agreement center Agreement center Agreement center Agreement center
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.
Don't see your current personal checking account listed? Look at our legacy accounts.
         
Important Details

Opening a personal checking account is a safe way to save money, earn interest, and build credit. It also makes things convenient when it comes to cashing your paycheck or setting up a direct deposit so the money goes directly into your account. Overall, a personal checking account gives you the flexibility you need while keeping your money secure. Find the right checking account for you by viewing the comparison table above.

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. 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.
2. Mobile banking is included at no cost from Zions Bank. Requires download of Zions Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment and subject to the Digital Banking Services Agreement.
3. Take a picture of your check deposit and submit through your mobile phone. Limits apply:

Relationship AgeDaily Deposit LimitRolling 30 Day Deposit Limit
0-59 Days$1,000$2,500
60-179 Days$2,500$5,000
180 + Days$5,000$10,000
Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App.
4. Popmoney personal payment services are provided through CheckFreePay Corporation and/or its affiliates. Popmoney® is a registered trademark of Fiserv, Inc. or its affiliates. See your Popmoney Service Agreement for complete details. Popmoney service fees apply. Available services are subject to change without notice. Standard text message and data rates from your mobile phone carrier may apply.
5. When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a linked deposit account or credit reserve line (subject to credit approval). Subject to minimum transfer amount.
6. Insufficient Funds (NSF) Fee: $32 per transaction posted against insufficient funds, whether the bank opts to pay or decline the transaction. See the applicable fee schedule for details. Extended Overdraft Fee (Overdraft Service Fee): $5 overdraft service fee applies. See the applicable fee schedule for details. Overdraft Protection: Optional overdraft protection services are available; subject to application and credit approval. Overdraft fees and applicable transfer fees may apply. See the Deposit Account Agreement and the applicable fee schedule for details.
7. Personal loans, RV loans, Home Equity loans, Lot loans
8. 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 local branch for details.
9. Monthly service fees are waived when the primary owner of the eligible checking account is also an owner on the linked account.
10. Premium rate tiers are applied automatically to qualified accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. Please see Consumer Deposit Rate Sheet for details.
11. An ATM charge of $2 applies to withdrawals conducted at an ATM not owned or operated by ZB, N.A. Other bank or ATM operator fees may also apply to any transaction conducted at an ATM not owned or operated by ZB, N.A. Select Checking accounts include waivers of Zions Bank ATM fees and/ or rebates of charges from the use of non-ZB, N.A. ATMs. International ATM transactions are not waived or rebated. Please see Fee Schedule for additional ATM fee details.
12. Beginning the date of account opening, no Monthly Service charge will be assessed for the first 35 days the account is open. After day 35, minimum account criteria must be met to avoid a monthly service charge.
13. In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee may be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.
14. To avoid the Paper Statement Fee of $3, the account must enroll in Online banking, and opt out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, the combined statement must have opted out of receiving paper statements.
 

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This page was last modified on Mon Oct 16 14:38:18 MDT 2017