About Zions Bank
Zions Bank can trace its roots to 1873 and the founding of Zion's Savings Bank and Trust Company in Utah. Throughout the years, Zions Bank has grown to be one of the 50 largest banks in the country, with more than 450 branches in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
Zions Bank Overview
Zions Bank is a full-service bank that offers CD, checking, money market, and savings accounts. It operates more than 120 branches and 200 ATMs in Idaho, Utah, and Wyoming. It offers more than 20 personal and business CDs and several checking, money market, and savings accounts. Most accounts either have no monthly service charge or charges that can be waived by meeting certain account balance requirements. As with most larger regional banks, the APYs it offers are in line with the national averages.
| Most non-CD accounts offer low minimum balance and opening requirements. | CDs offer APYs that are at or below the national averages for their respective terms. |
| Its Online Money Market account offers a competitive APY. | Fee-free ATMs are only available in the three states in which it operates. |
| Most monthly service charges can be waived. | |
| Several accounts have no monthly service charges. | |
| More than 120 branches in Idaho, Utah, and Wyoming. |
Zions Bank Product Offerings
CDs
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. Zions Bank offers CDs with terms ranging from one month to five years. The APYs on all of its CDs are at or below the national averages of 2.60%. Here are the details for some of the bank's CD offerings for April 2025:
Checking Accounts
Zions Bank has several different business and personal checking accounts. All of the checking accounts offer APYs that are at or below the national average of 0.01% for checking accounts. All accounts have a low monthly service charge or a charge that can be waived by meeting certain balance requirements. Here are the latest account details for April 2025:
Money Market Accounts
A money market account is an interest-bearing hybrid between a savings account and a checking account. Zions Bank offers both personal and business money market accounts, some of which offer a competitive APY higher than the national average of 2.02%. Here are the account details for April 2025:
Savings Accounts
A savings account is an interest-bearing account that pays you interest while you save for your financial goals. Zions Bank offers several different savings accounts. All accounts have a low to no monthly service charge and low minimum opening deposit requirements. All accounts offer below-average APYs when compared to the national average of 1.45%. Here are the latest savings account details for April 2025:
Bank Fees
Overdraft fee: $29 per overdraft over $10; Five overdraft charges per day
Savings and Money Market Account excess withdrawals: $5-$15
Account closure fee: None
Dormant account fee: None
Wire transfer fee: Domestic - Incoming is $15 and outgoing is $27; International - Incoming is $18 and outgoing is $55
Non-network ATM fee: $2.50
Monthly service charge: $3-$25 depending on the account
Stop payment fee: $25
Paper statement fee: $2
Zions Bank Features
Zions Bank's customer service line is available Monday to Saturday from 9 a.m. to 6 p.m. CST and 24 hours a day via its automated line. It also offers an easy-to-use mobile app that allows customers to check balances, deposit checks, pay bills, process Zelle transactions, view account information in Quicken or QuickBooks, and transfer money between accounts.
Zions Bank FAQs
Our Take
Zions Bank operates more than 450 branches spread throughout Idaho, Utah, and Wyoming. The bank offers numerous CDs with terms varying from one month up to five years. Most of the CDs offer APYs that are either at or slightly above the national averages for the respective terms. The bank offers checking, money market, and savings accounts that also offer APYs that are not particularly competitive when compared to rates offered by online banks. From a convenience point of view, it may be suitable for residents of the states it operates in, but for anyone not in those three states, they may be able to find other regional or national banks that offer products with similar yields and features closer to their residence.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.