Overview / Commentary
801-844-7084
1 S Main Street
Salt Lake City, UT 84133

From the Bank

Zions First National Bank was founded in Salt Lake City in 1873 and continues its legacy of strength and stability as one of the oldest financial institutions in the Intermountain West. To bring value to individuals, small-to middle-market businesses, nonprofits, corporations and institutions, Zions Bank provides a wide range of traditional banking and innovative technology services. Through its network of 122 full-service financial centers across Utah, Idaho and Wyoming, the bank offers consumers a range of mortgage and home equity loan options, AmaZing Rewards® credit cards, Private and Executive Banking services, and online and mobile banking.

Dedicated to supporting economic development in the communities it serves, Zions Bank is a consistent market leader in US Small Business Administration lending and is known for its local decision making. Companies can find solutions through the bank’s range of commercial loans, international banking services and award-winning Treasury Management solutions.

Zions Bank is a division of Zions Bancorporation, N.A. (NASDAQ: ZION), one of the nation's premier financial services companies, with total assets exceeding $65 billion. Zions Bancorporation, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC), and operates under multiple trade names in multiple states. Divisions of Zions Bancorporation, N.A. are not separate FDIC-insured banks. The FDIC coverage extended to deposit clients is that of one insured bank

Related Posts

Zions Bank Offers Online Money Market In 41 States - 10/30/2018

Zions Bank has introduced its new Online Money Market, which earns 2.26% APY on balances of $25k and above. Not available in AZ, CA, CO, ID, NV, TX, or UT.

2.25% APY Online Money Market - 10/24/2018

https://www.zionsbank.com/personal-banking/digital/online-money-market/ Offer not available to residents of Utah, Idaho, Arizona, California, Colorado, Nevada, and Texas. Please see website for complete details.

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Been With Zions Since I Was 12 Years Old, And Will Be Staying With Them For Life!

Posted by: joeylap | Feb 10, 2012

Zions Bank has the greatest customer service I've ever experienced!

Every time I leave a branch I think to myself, "now that is customer service."  When I lived in Layton, I would be greeted with a "hey Joey, how are you today?"  Something I thought I would miss when I moved to Logan for school.  It didn't even take a month before I was getting the same treatment at any of the many branches here in Cache Valley.  Not just my name, but they remember to ask about my family, a test I had last week, or making sure I got over the sickness I recently had.  

I went on a vacation last year, but forgot to transfer the needed money from my savings to checking before I left!  I was away from the internet for the majority of the trip, but once I could check on things, I noticed that I had racked up quite a lot in NSF charges.  I gave Zions a call and explained my mistake and they waived them all.  Let me repeat that, they waived every NSF charge I had (validly) incurred.  They didn't need to, but were more than happy to help out.  This was very smart of them considering that because of this service, I'll be with them for life.

I once went into a branch inside a Smith's to get a money order.  The teller told me that he'd be more than happy to get me one, but they cost $2.50.  He advised I go to the Smith's customer service desk, as it would only cost $0.50 there.  Instead of looking out for their company's profit margin, they look out for the customer.

The one downside is that they are not nationwide.  If you travel too far, there won't be any ATMs you can use without charges.  Zions' fees are very reasonable though, only one dollar to use a non-friendly ATM where other banks charge three or four.  A friend of mine just complained about a certain mega-bank that charged him $38 for NSF (quite a bit more than the $0 I paid.)  No minimum balance.  No monthly charges.  Just reasonable fees where needed and outstanding customer service.

I wouldn't dream of leaving Zions bank.

Zions Bank, meh. But still better than most.

I started banking with Zions Bank in 2008, right when I graduated from high school. I Used them all through college and even after. At the start I really loved it. But as they got bigger and bigger, the fees increased and the customer service went down. It is still better than most big banks, but I have now switched to a smaller credit union and I much prefer that. I just felt as thought they were making too much money off of my overdraft charges even though I had requested multiple times to not have my account even able to overdraft. 6/10

Poor Customer Service

Posted by: oslagbar | Dec 15, 2014

I've been with Zions for almost 10 years and they have quickly become the worst possible banking experience ever. They offer products in which the local branches are unable to handle and need to call the Salt Lake City office for everything, They must provide little or no employee training as they customer service is no service at all. When doing an internal transfer of funds from the savings account to the checking account they hold the funds for a day. These are internal funds from balances that are supposed to be available balances. I have never had a bank put a hold on their their own funds. The branch manager has no interest in customer service and the HQ in SLC really don't care. I've tried to resolve issues in a calm and professional manner and have no results. Closing accounts and would never do business with them again.

Used To Be A Good Bank

Posted by: JeredS | Jul 29, 2018

I've been with Zions for about 10 years. It started great--I got wonderful response and was pleased with the products and service. But recently the service has dropped dramatically. Try calling the general help number and you will get someone who is trying first to get you off the phone ("try this or go into the branch and solve it") not help solve your problem. I've sadly had that happen multiple times.
It's not the proud local bank it used to be. I'm really disappointed.

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Health

Health Grade Components

Overall
FDIC Certificate #2270
Year Established1873
Employees10143
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD11.59%
Annual Interest Income$1.83B
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$66.73B$65.39B
LoansQ3 2018vs Q3 2017$45.39B$43.69B
DepositsQ3 2018vs Q3 2017$53.78B$52.49B
Equity CapitalQ3 2018vs Q3 2017$7.55B$7.69B
Loan Loss AllowanceQ3 2018vs Q3 2017$479.7MM$540.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$275.6MM$462.0MM
Real Estate OwnedQ3 2018vs Q3 2017$4.0MM$3.0MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2.25% APY Online Money Market

DSAllen Zions Bank   |  
https://www.zionsbank.com/personal-banking/digital/online-money-market/

Offer not available to residents of Utah, Idaho, Arizona, California, Colorado, Nevada, and Texas. Please see website for complete details.

Rates
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Always verify rates and promotions with the bank or credit union. We are not Zions Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Zions Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.16%*$10k*-Young Savers
OTHER TIERS: 0.14% Up to $10k
0.10%--Savings Account
0.10%--Business Savings

Zions Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.26%*$25k*-Online Money Market - Limited Availability
OTHER TIERS: 0.01% $1k - $25k
1.06%$1k-Online Money Market
0.40%--Business Money Market Sweep
0.35%*$250k*-Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $100k | 0.30% $100k - $250k
0.35%*$250k*-Business Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $100k | 0.30% $100k - $250k
0.30%*$50k*-IRA Money Market
OTHER TIERS: 0.20% Up to $25k | 0.25% $25k - $50k

Zions Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Business Interest Checking
OTHER TIERS: 0.10% Up to $5k | 0.20% $5k - $100k
0.15%*$100k*-Premium Interest Checking
OTHER TIERS: 0.08% Up to $5k | 0.10% $5k - $25k | 0.12% $25k - $100k
0.07%--Anytime Interest Checking

Zions Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-60 Month Regular CD
OTHER TIERS: 1.92% $1k - $100k
2.02%*$100k*-Business 60 Month CD
OTHER TIERS: 1.92% $1k - $100k
1.87%*$100k*-48 Month Regular CD
OTHER TIERS: 1.77% $1k - $100k
1.87%*$100k*-Business 48 Month CD
OTHER TIERS: 1.77% $1k - $100k
1.71%*$100k*-36 Month Regular CD
OTHER TIERS: 1.61% $1k - $100k
1.71%*$100k*-Business 36 Month CD
OTHER TIERS: 1.61% $1k - $100k
1.61%*$100k*-24 Month Regular CD
OTHER TIERS: 1.51% $1k - $100k
1.61%*$100k*-Business 24 Month CD
OTHER TIERS: 1.51% $1k - $100k
1.51%*$100k*-18 Month Regular CD
OTHER TIERS: 1.41% $1k - $100k
1.51%*$100k*-Business 18 Month CD
OTHER TIERS: 1.41% $1k - $100k
1.41%*$100k*-12 Month Regular CD
OTHER TIERS: 1.31% $1k - $100k
1.41%*$100k*-Business 12 Month CD
OTHER TIERS: 1.31% $1k - $100k
0.75%*$100k*-9 Month Regular CD
OTHER TIERS: 0.65% $1k - $100k
0.75%*$100k*-Business 9 Month CD
OTHER TIERS: 0.65% $1k - $100k
0.60%*$100k*-6 Month Regular CD
OTHER TIERS: 0.50% $1k - $100k
0.60%*$100k*-Business 6 Month CD
OTHER TIERS: 0.50% $1k - $100k
0.20%$1k-3 Month Regular CD
0.20%$1k-Business 3 Month CD
0.05%$1k-1 Month Regular CD
0.05%$1k-Business 1 Month CD

Zions Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-60 Month IRA CD
OTHER TIERS: 1.92% $1k - $100k
1.87%*$100k*-48 Month IRA CD
OTHER TIERS: 1.77% $1k - $100k
1.71%*$100k*-36 Month IRA CD
OTHER TIERS: 1.61% $1k - $100k
1.61%*$100k*-24 Month IRA CD
OTHER TIERS: 1.51% $1k - $100k
1.51%*$100k*-18 Month IRA CD
OTHER TIERS: 1.41% $1k - $100k
1.41%*$100k*-12 Month IRA CD
OTHER TIERS: 1.31% $1k - $100k
0.75%*$100k*-9 Month IRA CD
OTHER TIERS: 0.65% $1k - $100k
0.60%*$100k*-6 Month IRA CD
OTHER TIERS: 0.50% $1k - $100k
0.20%$1k-3 Month IRA CD
0.05%$1k-1 Month IRA CD
Locations

Availability

Phoenix Area

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.