Important Details

Student CheckingApply Now

No homework—or monthly maintenance fee1 —required


With a Zions Bank® Student Checking account, you don’t have to maintain a minimum monthly balance or pay a monthly maintenance fee1 . You can focus on more important things, like homework, what grades you’re getting and what you’re going to be doing with your life after you graduate.

Account Features

Important Details

Includes the following services every month:

Also includes the following services3 :

  • Overdraft protection
    • Check Reserve credit lineWaived for primary account owners under age 22.
    • Overdraft Deposit Transfer Service7 (from another Zions deposit account you select)
  • Visa® credit card8 with cash-back or rewards points and no annual fee
  • Up to 0.75% off auto loan8 rates

Account Details

Minimum Opening Deposit $1009
Monthly Maintenance Fee $0
Other Monthly Account Fees10

Electronic statements included (select eStatements in Online Banking).
Paper statements $2 each.

Unlimited ATM, debit card and Bill Pay use.

Minimum Daily Balance
to Avoid Monthly Maintenance Fee
Important Details
1. Student Checking is for individuals up to 26 years of age. Students under 18 years of age must have an adult as joint signer. Applicants under the age of 18 cannot apply online and should visit a local Financial Center.
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. Mobile Banking and Tablet Banking are included at no cost from Zions Bank; however, message and data rates from your wireless provider may apply. Check with your service provider for details.
4. Fees may apply. Available for select payees only.
5. Earn cash rewards 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. 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. Cash rewards are typically credited to your account within 45 days of a qualifying purchase, but in the event of delays in payment by merchants, it may take up to 90 days or more to receive payment of an earned cash reward. PIN-based transactions do not qualify so be sure to sign for your purchase. Rewards and offers are established by participating Merchants, are subject to change at any time and may vary by location, day, time or event. See for a current list of participating merchants and program terms & conditions.
6. Must be enrolled in Online Banking to enroll in Purchase Alerts. PIN-based debit card transactions are not eligible to receive alerts. Messages and data rates from your wireless provider may apply.
7. 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.
8. Subject to credit approval. Terms and conditions apply. Contact a Financial Center for details.
9. Waived for primary account owners under age 22.
10. Ask your Zions Bank representative for a complete list of miscellaneous services, fees and details.

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This page was last modified on Wed Nov 25 14:56:19 MST 2015