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Premium interest-bearing checking account with bonus rates and discounts

Zions Bank Checking

With a Zions Bank® Gold Interest Checking account, access an interest-bearing checking account with more than a dozen relationship services and benefits. And one that lets you earn interest* on your account balance.

Interest-Bearing Checking Account Features

Includes the following services every month:

  • Zions® fees waived for up to 4 out-of-network ATM transactions per statement cycle
  • Eligible for premium-priced Gold Savings products
  • Reduced rates on most installment loans1
  • Discount on mortgage-loan origination fees1
  • Discount on representative-assisted trade commissions with Zions Direct2
  • Discounted personalized check order
  • Rent-free small safe-deposit box (Subject to availability. Other fees may apply.)
  • Notary services
  • No-fee Traveler’s Cheques For One, money orders and cashier’s checks
  • Unlimited check writing
  • Direct deposit
  • Debit card with Zions AmaZing Deals3
  • Automatic transfer services
  • Nationwide ATM access in the MoneyPass®6 Network— with more than 20,000 locations nationwide
  • Tablet Banking4, Mobile Banking4 and Online Banking with Bill Pay and account alerts
  • Check images with statement
  • Purchase Alerts4

Also includes the following services1:

  • Overdraft protection
    • Check Reserve credit line1
    • Overdraft Deposit Transfer Service (from another Zions deposit account you select)
  • Visa® credit card1 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 Fee5 $12
Minimum Daily Account Balance Required to Avoid Monthly Maintenance Fee $2,000 in checking or
$15,000 combined consumer deposit balance6

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. Investment products and services offered through Zions Direct®, member of FINRA/SIPC, a nonbank subsidiary of Zions Bank are: NOT insured by the FDIC or any federal or state governmental agency, NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates and MAY be subject to investment risks, including the possible loss of principal value or amount invested.
3. 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. PIN-based transactions do not qualify so be sure to sign for your purchase. 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. See Zions AmaZing Deals for full details, terms and conditions.
4. Must be enrolled in Online Banking to enroll in Purchase Alerts 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.
5. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details
6. Combined balance as of the day prior to the Gold Interest Checking statement date in the following Zions Bank account: checking, savings, money market, certificates of deposit, and IRAs.

This page was last modified on Sun Apr 13 06:51:02 MDT 2014