Important Details
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Personal Checking Account Comparison Table

Specialty
  Simple Checking Gold Checking Gold Checking Plus Student Checking Military Checking
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Interest Rates

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.)

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. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  3. Combined balance as of the day prior to the Gold Checking statement date in the following Zions Bank account: checking, savings, money market, certificates of deposit, and IRAs.
  4. 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.

Benefits

Important Details
       
Free Mobile Banking, Tablet Banking, Online Banking and
Bill Pay1
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Debit Card Access null null null null null
Financial Center and Online Access null null null null null
Zions AmaZing Deals®2 null null null null null
Unlimited Check Writing null null null null null
Overdraft Protection3 null null null null null
Imprinted Checks4 null null null
Safe Deposit Box (3x5) null null null
Waived Fees On:
  • Traveler's Cheques
  • Money Orders
  • Cashier’s Checks
  • Notary Service
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10% Off Mortgage Origination Fee5 null null null
ATM Access At Zions Bank and 580 ATMs throughout the West6 All ATM fees waived while deployed or TDY
Waived Zions® ATM Fees
on Out-of-Network Transactions
All All ATM Fees Waived while deployed or TDY

Details

         
Minimum Opening Deposit7 $100 $100 $100 $100 $0
Monthly Maintenance Fee $0 $10 $25 $0 $0
Minimum Daily Balance to Avoid Monthly Maintenance Fee $1,000 in checking or $10,000 combined consumer deposits8 $25,000 combined consumer deposits and loans9
Monthly Statement Fee $2 (waived if you sign up for eDocuments) $2 (waived if you sign up for eDocuments)
           
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. 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. 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.
3. 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.
4. Imprinted checks or discounted personalized check order.
5. Subject to credit approval.
6. 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.
7. Waived for primary account owners under age 22.
8. Combined balance as of the day prior to the Gold Checking statement date in the following Zions Bank account: checking, savings, money market, certificates of deposit, and IRAs.
9. 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).
 

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This page was last modified on Thu Jul 28 14:56:01 MDT 2016