Important Details

Military Interest CheckingApply Now

Interest checking in appreciation of US military service members and veterans


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 too.

Account Features

Important Details

The following services are included every month

  • ATM fee waived for deployed military personnel—both the ATM front-end fee charged by the other bank and the back-end fee charged by Zions Bank
  • Eligible for a premium Gold Money Market account that pays higher interest rates
  • Reduced rates on most installment loans1
  • Discount on mortgage-loan origination fees1
  • Free Zions Bank logoed checks or discounted personalized checks
  • Rent-free small safe-deposit box (Subject to availability. Other fees may apply.)
  • Notary services
  • No-fee Traveler’s Cheques, money orders, cashier’s checks
  • Unlimited check writing
  • Direct deposit
  • Debit card with Zions AmaZing Deals®
  • Automatic transfer services
  • Access to 580 ATMs throughout the West2 and 129 Financial Centers in Utah and Idaho
  • Mobile Banking, Tablet Banking, Online Banking with Bill Pay and Account Alerts
  • Check images with statement
  • Purchase Alerts
  • Interest paid on collected balance3

The following services3 are available

  • Overdraft Protection
    • Check Reserve credit line1
    • Overdraft Deposit Transfer Service4 (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 Fee3 $10
Minimum Daily Account Balance to Avoid Monthly Maintenance Fee $500

*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. 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.
3. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
4. 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.

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