Important Details

External Transfers

Move your money when you need to


Sign up for External Transfers and use Online Banking to electronically transfer funds to and from your personal Zions Bank® Checking or Savings account to and from enrolled personal checking or savings account at a different financial institution.

Follow the steps below to add an external account to your account profile and to complete a funds transfer.

Add an External Account to Your Profile

  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.)
    1. Find the account number on the bottom of a check or contact your external financial institution.
    2. 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* routing and transit number for the financial institution of the account you want to add.
    1. 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."
    1. 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 2 to 3 business days.
    1. Look for Zions Credit in the transaction description.
    2. 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.

Transfer Funds to an External Account

  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
    • Every Week, the same transfer will occur once every 7 days
    • 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., Sun. from 8 a.m. to 2 p.m. MT).

Important Details
*Transfers are subject to the terms and conditions of the Internet Banking Services Agreement. Funds transferred between your Zions Bank accounts before 10:00 p.m. (MT) are immediately available. All transfers after 10:00 p.m. or on Saturdays, Sundays, or Federal holidays will be posted to your account on the next business day. External Transfers (between a Zions Bank account and a non-Zions Bank account) initiated after 2:00 p.m. (MT) will be processed the next business day.
NOTICE OF HOLD: Funds from External Account Transfers will be available by the 4th business day after the day the funds are received. Insufficient funds at the time of a scheduled transfer may overdraw your account and result in a fee. Please note: Outbound External Transfers will display as a pending transaction to your account on the date that the transfer is scheduled. Agreements are available in the online Agreement Center, under the Services tab.

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This page was last modified on Wed Nov 25 14:56:20 MST 2015