Important Details

Military Interest CheckingApply Now

Saluting service members and veterans

Zions Bank Checking

Active duty, guard/reserve personnel and their dependents, as well as veterans, retired military, enlistees, ROTC students, and DOD civilians can take advantage of more than a dozen services and benefits. All this, and your checking account balance earns interest as well.

Account Features

Important Details

The following services are included every month

  • ATM fee waiver for deployed military personnel. We will waive both the ATM front-end fee, which is charged by the other bank, and the back-end fee charged by Zions Bank.
  • 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, cashier’s checks
  • Unlimited check writing
  • Direct deposit
  • Debit card with Zions AmaZing Deals3
  • Automatic transfer services
  • ATM access – over 20,000 locations nationwide
  • Mobile Banking4, Online Banking with Bill Pay and Account Alerts
  • Check images with statement
  • Purchase Alerts4
  • Interest paid on collected balance5

The following services1 are available

  • 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.)

Higher Rates

Having a Military Checking account makes you eligible for our exclusive Gold savings accounts that pay higher interest than our already great rates for our regular savings accounts.

Account Details

Minimum Opening Deposit $0
Monthly Maintenance Fee5 $500
Minimum Daily Account Balance Required to Avoid Monthly Maintenance Fee $10


* 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 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 and to use 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.
This page was last modified on Fri Apr 18 10:21:48 MDT 2014