Important Details

Checking Accounts

Internet Only
  Basic Checking Checking Plus Gold Interest Gold Checking Plus Student Checking Military Internet Checking
Apply Now

Apply Now Apply Now Apply Now Apply Now Apply Now Apply Now Apply Now

Interest Rates

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.)

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.

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.)

* 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.

Applicants under the age of 18 cannot apply online and should visit a local Financial Center.

  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 and 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 Checking Plus statement date in the following Zions consumer accounts: Personal Checking, Savings, Money Market, Certificate of Deposit, IRAs, consumer loan and credit card outstanding balances (loan and credit card payments must be current).

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.)

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.)

  1. Ask your Zions Bank representative for a complete list of miscellaneous services, fees or details.
  2. Subject to credit approval. Restrictions apply. Contact a Financial Center for details
  3. 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.
  4. 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.
  5. Must be enrolled in Online Banking to enroll in Purchase Alerts and 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.
               

Benefits

Important Details
           
Free Mobile Banking, Tablet Banking, Online Banking and
Bill Pay1
Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Debit Card Access Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Financial Center and Online Access Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Zions AmaZing Deals Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Unlimited Check Writing Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Overdraft Protection2 Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Imprinted Checks3 Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Safe Deposit Box
(3x5)
Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
Waived Fees On:
  • Travelers Cheques for 1
  • Money Orders
  • Cashier’s Checks
  • Notary Service
Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
10% Off Mortgage Origination Fee2 Checking with Zions Bank Checking with Zions Bank Checking with Zions Bank
ATM Access At Zions Bank and more than 20,000 MoneyPass® ATMs nationwide.
All ATM fees waived while deployed or TDY At Zions Bank and more than 20,000 MoneyPass® ATMs nationwide.
Waived Zions® ATM Fees
on Out-of-Network Transactions
Up to 4 transactions per statement cycle All All ATM Fees Waived while deployed or TDY

Details

             
Minimum Opening Deposit4 $100 $100 $100 $100 $100 $0 $100
Monthly Maintenance Fee $0 $7 $12 $25 $0 $0 $0
Minimum Daily Balance to Avoid Monthly Maintenance Fee $300 or 1 credit card2 transaction per cycle or by paying $20 or more in other service fees5 $2,000 in checking or $15,000 combined consumer deposits6 $25,000 combined consumer deposits and loans7
Monthly Statement Fee $2 (waived if you sign up for eStatements/
eNotices
)
$2 (waived if you sign up for eStatements/
eNotices
)
$2 (waived if you sign up for eStatements/
eNotices
)
Per-Check Fee Checks paid over 5 per statement cycle are $2 each Checks paid over 5 per statement cycle are $2 each Checks paid over 5 per statement cycle are $2 each
               
See Important Details
 

Find current rates on Zions Bank deposit accounts.

At Zions Bank each depositor is insured to $250,000.

  1. Must be enrolled in Online Banking to use Tablet Banking and Mobile Banking. Message or data rates from your wireless provider may apply
  2. Subject to credit approval.
  3. Imprinted checks up to $21.95 on full box of check orders, plus $5.95 per box processing and handling fee
  4. Waived for primary account owners under age 22.
  5. Insufficient funds fees, overdraft service fees, stop payment fees, or deposited item returned fees.
  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.
  7. Combined balance as of the day prior to the Gold Checking Plus statement date in the following Zions Bank account: checking, savings, money market, certificate of deposit, IRAs, consumer loan and credit card outstanding balances (loan and credit card payments must be current).
This page was last modified on Thu Apr 24 15:01:40 MDT 2014