Contact Us  
Important Details

Premium Interest CheckingApply Now

Elevate Your Personal Financial Management

    Interested in higher Interest rates on your bigger balances? With our Premium Interest Checking account, you’ll earn a Premium interest rate on linked Checking, Savings, Money Market, and CD balances1. Plus, you can manage your finances online, through Mobile Banking2, Mobile Check Deposit3, and Peer-to-Peer money transfers4. Make your Zions Bank® account the hub of your financial world with some simple features and benefits with a lot of impact.

    Features and Benefits

    • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances1 5
    • Get cash when you need it with no charges at any Zions Bank ATM
    • No Zions Bank withdrawal charge on up to three (3) transactions at other banks’ ATMs per month. Plus, we will rebate up to three (3) ATM fees charged by other banks each month6
    • No monthly service fee for additional Savings or Money Market accounts linked to your relationship7
    • No fee for one (1) Domestic wire transfer into your account each month
    • Prevent overdrafts with automatic transfers from Savings or Credit Reserve Line at no charge8
    • Shop anywhere Visa® is accepted with your Zions Bank Debit card, including support for Apple®/ Android®/ Samsung® Pay
    • Use Online Banking and Online Bill pay to manage finances on your time through a mobile phone, tablet, or computer2
    • Skip the branch and deposit checks through your mobile device3
    • Move your money digitally with direct deposit, automatic withdrawals and Popmoney® person-to-person transfers4
    • Contact our U.S.-based customer service Mon. to Sat. from 7 a.m. to 8 p.m. MT.
    • Open your account with a minimum deposit of $50
    • Go paperless with eStatements and eNotices
    • Enjoy no monthly service fee when you maintain a combined deposit balance of $10,000 OR a combined deposit and loan balance of $25,000, otherwise $209
    • No charge for “Zions Bank Exclusive” design checks and 45% discount on another check design ordered through Zions Bank10
    • No fee on standard size (3x5) safe deposit box (where available)11 or $15 discount towards any larger box (key deposit required on all boxes).

    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 $50
    Monthly Maintenance Fee $20
    Can the monthly Fee be waived? Yes, by maintaining a combined deposit balance of $10,000 OR a combined deposit and loan balance of $25,0009

    Didn’t find quite what you were looking for? Take a look at our comparison table to find the most suitable checking account for your needs.

    Important Details
    1. Premium rate tiers are applied automatically to qualified accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. Please see Consumer Deposit Rate Sheet for details.
    2. Mobile banking is included at no cost from Zions Bank. Requires download of Zions Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment and subject to the Digital Banking Services Agreement.
    3. Take a picture of your check deposit and submit through your mobile phone. Limits apply:

    Relationship AgeDaily Deposit LimitRolling 30 Day Deposit Limit
    0-59 Days$1,000$2,500
    60-179 Days$2,500$5,000
    180 + Days$5,000$10,000
    Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App.
    4. Popmoney personal payment services are provided through CheckFreePay Corporation and/or its affiliates. Popmoney® is a registered trademark of Fiserv, Inc. or its affiliates. See your Popmoney Service Agreement for complete details. Popmoney service fees apply. Available services are subject to change without notice. Standard text message and data rates from your mobile phone carrier may apply.
    5. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees available in the online Agreement Center, or speak with a banker for more details.
    6. An ATM charge of $2 applies to withdrawals conducted at an ATM not owned or operated by ZB, N.A. Other bank or ATM operator fees may also apply to any transaction conducted at an ATM not owned or operated by ZB, N.A. Select Checking accounts include waivers of Zions Bank ATM fees and/ or rebates of charges from the use of non-ZB, N.A. ATMs. International ATM transactions are not waived or rebated. Please see Fee Schedule for additional ATM fee details.
    7. Monthly service fees are waived when the primary owner of the eligible checking account is also an owner on the linked account.
    8. When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a linked deposit account or credit reserve line (subject to credit approval). Subject to minimum transfer amount.
    9. In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee may be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.
    10. Discounted check orders must be ordered through Zions Bank to qualify. Checks can be ordered through a branch, Online banking, or through our customer contact center.
    11. Availability varies by branch. Not all branches offer Safe Deposit Boxes. Cannot be used in conjunction with other safe deposit box discounts. Discounts will be applied at the time of account opening.
    *The interest rate (rate) and annual percentage yield (APY) are variable, may change without notice, and are generally effective as of the date indicated. Account fees may reduce earnings.

    Rate this page:

    Do not submit personal information including account or phone numbers. We are unable to respond personally to comments made here. For Customer Service, or if you would like a personal response from us, visit the Contact Us page.


    Thank you for your submission.


    Thank you for visiting our site today.

    Please take a 2 to 3 minute survey and help us improve your online experience.

    Survey Hide X
    This page was last modified on Mon Oct 23 16:17:52 MDT 2017