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Important Details

Gold Checking Plus

Zions Bank’s premier checking account—with interest

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.

A Zions Bank® Gold Checking Plus account offers higher interest rates* on the bigger balances you keep, as well as our best package of preferred checking and banking services.

Find the best checking account for your needs by viewing the checking comparison table.

Account Features

Important Details

Includes the following services every month:

Also includes the following services4:

  • Overdraft protection
    • Check Reserve credit line2
    • Overdraft Deposit Transfer Service1 (from another Zions deposit account you select)
  • Visa® credit card2 with cash-back or rewards points and no annual fee


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.)

Account Details

Minimum Opening Deposit $100
Monthly Maintenance Fee $25
Combined Balance to Avoid Monthly Maintenance Fee $25,000 combined consumer deposit and loan balance5
Important Details
*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.
Applicants under the age of 18 cannot apply online and should visit a local Financial Center.
1. 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.
2. Subject to credit approval. Restrictions apply. Contact a Financial Center for details.
3. 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.
4. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
5. Combined balance as of the day prior to the Gold Checking Plus statement date in the following Zions consumer accounts: Personal 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 Oct 19 14:18:40 MDT 2017