Zions Bank

National Bank, zionsbank.com

Zions Bank logo
B+ MyBankTracker
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MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

Zions Bank is a Salt Lake City, Utah-based division of ZB, N.A. Zions Bank’s full-service banking network includes 125 locations across Utah, Idaho and Wyoming and it’s one of the oldest banks in the region. ATM access extends through Utah, Idaho and eight other states in the Intermountain West area.


The bank’s services fall under three broad umbrellas: banking, lending and investing. Personal banking services include checking accounts, savings accounts, CDs and money market accounts. Zions Bank also offers the AmaZing Rewards credit cards rewards program. This program allows you to earn rewards points on everyday purchases, like groceries and gas. Rewards are unlimited and don’t expire. They can be redeemed as statement credit for purchases, including travel, with no blackout dates or restrictions. Zions Bank offers a similar incentive program called Visa SavingsEdge for business credit card and debit card users.


Checking account options include basic checking, interest checking, premium interest checking and military checking. All Zions Bank checking accounts can be opened with a minimum of $50. The Anytime Checking account and the Military Advantage Checking account don’t have a monthly maintenance fee. All accounts include features like person-to-person transfers using PopMoney and overdraft services. The Premium Interest Checking account comes with extra features, like higher rates on deposits, no-fee overdraft transfers from a linked savings account or credit reserve line, premium rates on linked CD and money market accounts and up to three non-Zions Bank ATM fee rebates per month.


If you’re ready to save, you can choose from a basic savings account, money market account or online money market account. The savings account has the lowest minimum deposit to open, at $50. Money market accounts require $500 to open. The minimum balance to earn interest with a money market account is $1,000, but unlike the savings account, they don’t have a monthly maintenance fee. All three accounts offer online bill pay services, as well as mobile check deposit for convenience.


CD accounts are another option. Terms range from one to 60 months, with a $1,000 minimum deposit to open. Rates are tiered, based on both your balance the CD term you choose. If you’re saving for retirement, you can open an IRA CD or IRA money market account. Just remember that unlike a regular CD or money market, you can only deposit a set amount of money into IRA savings each year. You do, however, have the benefit of tax-deductible contributions with a traditional IRA or tax-free retirement withdrawals in a Roth IRA.


On the loan side, Zions Bank has a number of borrowing options, including home loans, home equity loans and lines of credit, secured and unsecured personal loans, car loans, RV loans and Sallie Mae student loans. There are also three credit cards to choose from: one that earns points on purchases, one that earns cash back and one that offers a low rate on purchases and balance transfers. All of your Zions Bank accounts can be managed at your fingertips through online and mobile banking.

Zions Bank Fees

  • National Average
  • Monthly Inactivity $5 $6
  • Non-Sufficient Fund (Overdraft) $27 $30
  • Stop Payment item $25 $27
  • Return Deposit $10 $13
  • Domestic Wire Transfer (Outbound) $20 $22
  • Domestic Wire Transfer (Inbound) $15 $10
  • Non-Bank ATM $1 $1

Locations & Hours

map of local branches and ATMs
Branches
441

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By ikolmike Jul 19, 2017

    Terrible banking system and worse customer service

    It takes a lot for me to rate something a "1-star" but Zions Bank has earned this one. First of all, who requires a customer to fill out a physical form anymore? This drives me insane. The tellers are all very rude about the form to. I'm sure they get grief about it all the time but, come on, customer service is what you do for a job. Talk to your company, give them feedback that you get from the customer and try to upgrade your woefully outdated systems.

    Beyond that, their mobile banking is a joke. every 1-2 weeks my mobile app login locks up. It doesn't tell me to call customer service to unfreeze it, it just tells me that my password is incorrect. Once I call and unfreeze it, I can then log in WITH THE SAME PASSWORD I WAS TRYING TO USE IN THE APP!!!!! Since it isn't my password, I explained to the customer service rep that it is either their app that has a problem or someone is trying to access my account. If the latter, I requested to change my information so this would stop happening. I was told that I was the problem and they couldn't verify if someone was trying to access my account illegally. When I asked to escalate the problem to someone who could help me, they told me "there is no one that will take your call."

    Sorry folks, the business accounts have to get moved at that point. This is BY FAR the worst banking system I have ever come across. It truly is a terrible customer experience and one that they seem hellbent on upholding.

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  •  
    Reviewed By rancher May 30, 2017

    zions bank - friendly, reliable, efficient

    The people at the Fruitland Branch have always welcomed me by name and have been very willing to help with whatever I needed. They are reliable to get things done in a timely manner and get things done. It's a pleasure to go there, even for my grandchild that can sit and play quietly while I do business. I have never had a problem at the other branches I've visited or done business with either.

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  •  
    Reviewed By mjcondie Apr 22, 2017

    Horrible

    Absolutely worst financial institution I have ever worked with. Absolutely no respect for customers and they have no worry if they keep you. As a customer for over four years, I will be closing my checking, savings, and credit card accounts with them for lack of customer service and lack of worthwhile services. Their online and mobile banking are outdated and sub-par and don't even mention walking into a branch. That is probably why they had to close one of the branches in town, other family and friend have also recently left Zion's Bank. I have long been a member of MACU and they are much better. Oh and one other thing when you call to make a credit card payment it must be from a Zion's Bank Account or they charge you a $10 fee. Ridiculous. Especially when they leave you on hold for an hour to pay it.

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  •  
    Reviewed By mjcondie Apr 22, 2017

    Horrible

    Absolutely worst financial institution I have ever worked with. Absolutely no respect for customers and they have no worry if they keep you. As a customer for over four years, I will be closing my checking, savings, and credit card accounts with them for lack of customer service and lack of worthwhile services. Their online and mobile banking are outdated and sub-par and don't even mention walking into a branch. That is probably why they had to close one of the branches in town, other family and friend have also recently left Zion's Bank. I have long been a member of MACU and they are much better. Oh and one other thing when you call to make a credit card payment it must be from a Zion's Bank Account or they charge you a $10 fee. Ridiculous. Especially when they leave you on hold for an hour to pay it.

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  •  
    Reviewed By ironjaw77 Aug 25, 2016

    fees, fees and more fees

    i have had a zions checking and saving account for the past 20 years. my husband has several accounts with zions as well. when i opened the accounts i was told that i would have access to my history of statements in case of a tax audit. i requested past statements as i could only access the past 15 months online and was told their charges for MY OWN RECORDS were $5 per statement, $3 per check image and $20 per hour for their 'research time'. WHAT?!?!
    zions is already making a profit on the money i have in my accounts and they want more? zions.com has a link where you can 'email the president of zions' and he will 'personally review these messages' i sent an email to the president and one to customer service at zions regarding what i thought of the fees. guess what- the same person answered my emails (not the president of zions). i was told that their fee schedule was competitive with other banks. i did the research and found this not to be true. hey zions- a little honesty and integrity with customers goes a long way. i see a lot of other negative reviews on people being nickeled and dimed with fees by zions. i'll be closing my accounts and taking my money elsewhere.
    Zions bank motto is 'we haven't forgotten who keeps us in business'. i beg to differ on that.

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  •  
    Reviewed By nfarrell Dec 13, 2015

    Awful customer service

    I would give zero stars if I could. Customer service employees are exceptionally rude. Their ATM at the Foothill branch just took my debit card and checks for deposit and then froze with my stuff inside the machine. When I called and asked for help, my only option was to wait until the branch opens on Monday morning and close my debit card in the meantime. The people on the phone suggested it was my fault and then berated me for expressing my frustration. They have also lost checks the were deposited through the ATM. We will also be switching banks even though I have banked with Zions for twenty years and it will be a monumental pain. What a joke this bank is.

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  •  
    Reviewed By mjcondie Apr 22, 2017

    Horrible

    Absolutely worst financial institution I have ever worked with. Absolutely no respect for customers and they have no worry if they keep you. As a customer for over four years, I will be closing my checking, savings, and credit card accounts with them for lack of customer service and lack of worthwhile services. Their online and mobile banking are outdated and sub-par and don't even mention walking into a branch. That is probably why they had to close one of the branches in town, other family and friend have also recently left Zion's Bank. I have long been a member of MACU and they are much better. Oh and one other thing when you call to make a credit card payment it must be from a Zion's Bank Account or they charge you a $10 fee. Ridiculous. Especially when they leave you on hold for an hour to pay it.

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  •  
    Reviewed By ironjaw77 Aug 25, 2016

    fees, fees and more fees

    i have had a zions checking and saving account for the past 20 years. my husband has several accounts with zions as well. when i opened the accounts i was told that i would have access to my history of statements in case of a tax audit. i requested past statements as i could only access the past 15 months online and was told their charges for MY OWN RECORDS were $5 per statement, $3 per check image and $20 per hour for their 'research time'. WHAT?!?!
    zions is already making a profit on the money i have in my accounts and they want more? zions.com has a link where you can 'email the president of zions' and he will 'personally review these messages' i sent an email to the president and one to customer service at zions regarding what i thought of the fees. guess what- the same person answered my emails (not the president of zions). i was told that their fee schedule was competitive with other banks. i did the research and found this not to be true. hey zions- a little honesty and integrity with customers goes a long way. i see a lot of other negative reviews on people being nickeled and dimed with fees by zions. i'll be closing my accounts and taking my money elsewhere.
    Zions bank motto is 'we haven't forgotten who keeps us in business'. i beg to differ on that.

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  •  
    Reviewed By Tryan Sep 11, 2015

    After 18 years, I am done with the copious amount of fees and lack of concern for my money.

    There was a time when I loved Zions. Unfortunately, it now seems customers are nothing more than a way to increase their revenue.
    I was dumb enough to think if I made a purchase and deposited the money to cover said purchase, before the money was withdrawn the next day, I would be ok and not incur fees as I knew for a fact what time the purchase would go through. Even though I did make the deposits before the money was withdrawn, I was charged fees because 'that's bank policy' if a merchant does a preauthorization. I know of other banks that don't do this so I will be switching to another bank.
    I also noticed my savings account dwindling every month by $3. Service fees. I never kept a lot of money in there because I never saw it grow when I did anyway, but if you want to earn interest on a savings account, Zions is definitely not the place for you.
    When I went in to close my savings account, the teller made no apologies or even showed the slightest bit of concern that I was closing an 18 yr old account. I told her my checking would soon follow after some transactions posted, but again, no sign of the slightest concern. So, I guess I that's that. Zions, you have lost another customer and one day, we will all add up. Especially after more hear about you aiding in senior citizen fraud.

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  •  
    Reviewed By carmend Jul 19, 2014

    Zions Bank does not honor withdrawal orders.

    I have several IRA CDs at Zions Bank. The list of wrongs is long and ugly. Last year, Zions failed to pay out the federal "required minimum distribution" on my IRA (I am over 70 1/2 years old). It took until February to get that straightened out, although they did at last issue a revised federal form that would otherwise have meant a tax penalty. In May, I requested a rollover of all of my IRA funds to another institution. As of today (July 19, 2014), they still have not released the final $80,000+. Even though I have made many phone calls and my new institution has sent many formal letters (7 at last count), the money is still at Zions. In my most recent phone call with them, I requested a statement of transactions. The reply was "the statement will be issued in January, 2015." After some argument, the "customer service" person explained that I could get a non-official printout by visiting my local Zions Branch. Two problems there: my "local branch" (Cache Valley) no longer exists and I live out of state. No amount of pleading for a statement was honored. I suppose the recent federal rating explains some of this, but why is customer service so non-service oriented? I will be so glad when the last of my money is out of there! And I wish there was a negative number rating.

    Federal rating story, Deseret News: http://www.deseretnews.com/article/865599234/Zions-Bank-falls-short-on-Federal-Reserve-6stress-test7.html?pg=all. "One of Utah's largest banking institutions is the only large bank in the nation that did not meet the minimum standards for financial capital levels set by the Federal Reserve in the event of a major economic meltdown. Zions Bancorp was the only bank of 30 tier-1 large institutions reviewed that did not meet the Dodd-Frank Wall Street Reform and Consumer Protection Act stress test lowest guidelines."

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  •  
    Reviewed By mjcondie Apr 22, 2017

    Horrible

    Absolutely worst financial institution I have ever worked with. Absolutely no respect for customers and they have no worry if they keep you. As a customer for over four years, I will be closing my checking, savings, and credit card accounts with them for lack of customer service and lack of worthwhile services. Their online and mobile banking are outdated and sub-par and don't even mention walking into a branch. That is probably why they had to close one of the branches in town, other family and friend have also recently left Zion's Bank. I have long been a member of MACU and they are much better. Oh and one other thing when you call to make a credit card payment it must be from a Zion's Bank Account or they charge you a $10 fee. Ridiculous. Especially when they leave you on hold for an hour to pay it.

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  •  
    Reviewed By sewinggenie Apr 20, 2017

    Look elsewhere for a loan

    I saw the ad with Nevada St Bank for a really good interest rate for a home equity loan. I needed a new roof and didn't want to withdraw money and take a tax hit on a 401k.Zion took over NSB awhile ago and has completely ruined it. I applied for a very minimal amount...and I have lots of equity in my home, good income and a very high credit score., The letter comes back that makes you think you will be approved in days... NOT SO!! They asked for some basic things which I supplied right away...but it takes 6 WEEKS to approve and they don't coordinate the information. They "lost" some info I sent online which makes me very nervous, and you hear from about 5 different depts. They are so bureaucratic and arrogant. I had hoped to go with Quicken Loans, but they don't have home equity and NSB had a very low 1 year interest rate. Let me tell you...it isn't worth the aggravation of dealing with these people!

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  •  
    Reviewed By 1chiro Oct 1, 2014

    After 35 Years..

    I have had both my personal and business accounts with Zions Bank for the past 35 years. I have run millions of dollars through this bank only to be 'run over' with a ton of fees and poor service. Once we return from our mission, it is good-by forever. Check out Community Credit Union or Mountain America. Before we left on our mission, we set up accounts at both institutions. They were wonderful. Both of them have fine-tuned their customer service.

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  •  
    Reviewed By jameshappy Oct 6, 2016

    Construction banking

    I didn't have to wait years or even months to experience the ineptness of the employees and managers at this "institution." At first it started out like it should, getting things done, but then it turned south and almost at every turn. Every effort was made to tell us we don't want your business.

    The worst part is that its not their money their pretending to protect. Its was ours setting in an escrow account. The hoops we had to jump through kept moving and then were set on fire, I guess just to see how entertaining it would be for us to go through. We have over thirty years in our business, I am almost sure they have zero in it, probably have zero in theirs the way we were treated.

    Made every effort tell us we don't want your business. How they are still in business is really beyond comprehension. My recommendation is to remortgage and get the fu*&^k away from these guys.

    Out

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  •  
    Reviewed By ironjaw77 Aug 25, 2016

    fees, fees and more fees

    i have had a zions checking and saving account for the past 20 years. my husband has several accounts with zions as well. when i opened the accounts i was told that i would have access to my history of statements in case of a tax audit. i requested past statements as i could only access the past 15 months online and was told their charges for MY OWN RECORDS were $5 per statement, $3 per check image and $20 per hour for their 'research time'. WHAT?!?!
    zions is already making a profit on the money i have in my accounts and they want more? zions.com has a link where you can 'email the president of zions' and he will 'personally review these messages' i sent an email to the president and one to customer service at zions regarding what i thought of the fees. guess what- the same person answered my emails (not the president of zions). i was told that their fee schedule was competitive with other banks. i did the research and found this not to be true. hey zions- a little honesty and integrity with customers goes a long way. i see a lot of other negative reviews on people being nickeled and dimed with fees by zions. i'll be closing my accounts and taking my money elsewhere.
    Zions bank motto is 'we haven't forgotten who keeps us in business'. i beg to differ on that.

    Continue reading...
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  •  
    Reviewed By sunsum13 Jun 21, 2016

    The worst bank..... EVER!

    This bank has the WORST customer service. The WORST online technology for managing your accounts. DO NOT BANK HERE! I had a SBA loan here and it took weeks to get a fully paid loan closed out. No one calls you back. No one knows which way is which. It made me very uneasy the entire time that they were managing any of my financial dealings.

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