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Overview / Commentary
801-844-7000
1 S Main Street
Salt Lake City, UT 84133

Zions Bank was founded by Mormon pioneers in Utah in 1873. In 1957, Zion’s Savings Bank and Trust Company (as it was known) merged with Utah Savings and Trust Company and First National Bank of Salt Lake City. It became Zions First National Bank – which is the bank’s official name today. However, it wasn’t until 1960 that the LDS Church sold its majority ownership to Keystone Insurance and Investment Company. In 1961, Zions First Nation Investment Company was incorporated in Nevada, and acquired ownership of the stock owned by Keystone. In 1965, the investment company changed its name to Zions Bancorporation, and in 1966, the company went public.

Today, Zions First National Bank is still a subsidiary of Zions Bancorporation. Zions is a full service bank, offering commercial services, consumer banking products, and business banking to its customers. Specialty services include ag finance, correspondent banking and private services. Nationwide, it is possible to access Zions Bank services via the Internet. There are offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington.

Zions Bank offers competitive interest rates on deposit accounts, including savings, money market and CD accounts. The bank also offers interest checking accounts. The bank did accept TARP funds after the 2008 financial crisis, but has since repaid them.

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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.

As expected

Posted by: Diersagev | Aug 28, 2014

When it comes to consistency, they just about have it nailed down. The unfortunate customer service that we've (sadly) come to expect, is right about on par.
There are no fireworks. Nothing personable or spectacular to mention regarding service; the employees are cordial and polite and will then happily transfer you to another department. If that is satisfactory for you, that's great! You'll be getting the exact same response from the next representative on the line.
That being said, what they do manage to take care of is prompt and efficient. Just don't expect them to feel your pain when your bank information has been hacked and your account has been drained. For some reason they can't grasp your frustration about your funds not being replaced for at least 3 weeks. Wow, what horrible, demanding customers we are!

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.

Leaving Zions For Good.

I received awful service from a lady today at the Zions Bank Sandy branch on 2137 E 9400 s. She is apparently the "customer service" specialist at that branch. I had an issue with my account and was being charged wrongful late fees and charges that were due to a payment transfer on my account that was incorrect. It was a mistake on their part and the lady was willing to do nothing to make the situation better, and trust me she didn't even try. She gave me no explanation what so ever as to why or how the late charges were showing on the account, and no professional explanation as to why they would not be able to get them removed. She also glared at me during the whole conversation and had attitude. I mean seriously lady your job is CUSTOMER SERVICE i think you can try a little bit harder than that. Then, as if it couldn't get worse the branch manager was ALSO not willing to do anything for me (the lady went and talked to him on her own im not entirely sure how that conversation went). The branch manager couldn't even get off his butt and out of his office to have a conversation with an upset client? I mean seriously, what's the point in these positions anyway? I decided to visit a different branch right after to see what kind of answers I would receive from them. Can I just say what a relief! They took off 60%+ of my late charges are were so respectful and courteous to me. Not only were they respectful, but they were able to take care of my issues and explain in a professional matter as to why the issues were on the account in the first place. I find it extremely unlawful that not only did the specialist at the Sandy branch AND the branch manager tell me there was "nothing they could do" but, I go to a different branch and they do everything in their power to honor my requests and save me TONS of money? I was told I could not post names on here but I sure hope if there are any executives reading this they know who to talk to and teach the SIMPLE, BASIC principals of customer service.. cause what a disappointment that was!

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Health
A

Health Grade Components

Overall
FDIC Certificate #2270
Year Established1873
Employees9970
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD5.3%
Annual Interest Income$477.4MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$58.27B$19.19B
LoansQ1 2016vs Q1 2015$40.91B$12.05B
DepositsQ1 2016vs Q1 2015$50.06B$16.64B
Equity CapitalQ1 2016vs Q1 2015$7.47B$1.91B
Loan Loss AllowanceQ1 2016vs Q1 2015$611.8MM$208.7MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$556.9MM$83.7MM
Real Estate OwnedQ1 2016vs Q1 2015$9.0MM$3.2MM
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
0.50%$1k-Internet Savings w/ Relationship
0.45%$1k-Internet Savings Non-Relationship
0.30%$2,500-Business Internet Savings - Relationship
0.25%$2,500-Business Internet Savings - Non Relationship
0.24%*-$2kStudent Savings
OTHER TIERS: 0.08% $2k+
0.24%*-$1kKids Savings
OTHER TIERS: 0.08% $1k+
0.16%$5k-Ultimate Savings
0.08%--Gold Statement Savings
0.06%--Statement Savings
0.06%--Business Statement Savings

Zions Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-Internet IRA Money Market
0.50%$2,500-Internet Money Market w/ Relationship
0.45%$2,500-Internet Money Market Non-Relationship
0.28%*$250k*-Gold Money Market Plus
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $100k | 0.25% $100k - $250k
0.23%*$250k*-Gold Money Market Account
OTHER TIERS: 0.12% $1k - $20k | 0.15% $20k - $100k | 0.20% $100k - $250k
0.18%*$250k*-Money Market Account
OTHER TIERS: 0.10% $1k - $100k | 0.15% $100k - $250k
0.15%$100-IRA Money Market
0.15%*$100k*-Business Money Market
OTHER TIERS: 0.10% $1k - $100k

Zions Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Gold Checking Plus
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k

Zions Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month Gold CD
0.90%$1k-60 Month Internet CD
0.90%$1k-Business 60 Month Internet CD
0.80%$1k-60 Month CD
0.80%$1k-Business 60 Month CD
0.75%$1k-48-59 Month Gold CD
0.75%$1k-48-59 Month Internet CD
0.75%$1k-Business 48-59 Month Internet CD
0.65%$1k-48-59 Month CD
0.65%*$1k*$100kBusiness 48-59 Month CD
OTHER TIERS: 0.60% $100k+
0.60%$1k-36-47 Month Gold CD
0.60%$1k-36-47 Month Internet CD
0.60%$1k-Business 36-47 Month Internet CD
0.50%$1k-36-47 Month CD
0.50%$1k-Business 36-47 Month CD
0.45%$1k-24-35 Month Gold CD
0.45%$1k-24-35 Month Internet CD
0.45%$1k-Business 24-35 Month Internet CD
0.40%*$100k*-12-23 Month Gold CD
OTHER TIERS: 0.35% $1k - $100k
0.35%$1k-24-35 Month CD
0.35%$1k-12-23 Month Internet CD
0.35%$1k-Business 12-23 Month Internet CD
0.35%$1k-Business 24-35 Month CD
0.30%*$100k*-12-23 Month CD
OTHER TIERS: 0.25% $1k - $100k
0.30%*$100k*-Business 12-23 Month CD
OTHER TIERS: 0.25% $1k - $100k
0.25%*$100k*-6-11 Month Gold CD
OTHER TIERS: 0.20% $1k - $100k
0.20%*$100k*-6-11 Month CD
OTHER TIERS: 0.15% $1k - $100k
0.20%$1k-6-11 Month Internet CD
0.20%$1k-Business 6-11 Month Internet CD
0.20%*$100k*-Business 6-11 Month CD
OTHER TIERS: 0.15% $1k - $100k
0.10%*$100k*-3-5 Month CD
OTHER TIERS: 0.05% $1k - $100k
0.10%*$100k*-3-5 Month Gold CD
OTHER TIERS: 0.05% $1k - $100k
0.10%*$100k*-Business 3-5 Month CD
OTHER TIERS: 0.05% $1k - $100k
0.10%$100k-2 Month CD
0.10%$100k-2 Month Gold CD
0.10%$100k-2 Month Business CD
0.05%$1k-3-5 Month Internet CD
0.05%$1k-Business 3-5 Month Internet CD
0.05%$100k-1 Month CD
0.05%$100k-1 Month Gold CD
0.05%$100k-1 Month Business CD

Zions Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month Internet IRA CD
0.80%$1k-60 Month IRA CD
0.75%$1k-48-59 Month Internet IRA CD
0.65%$1k-48-59 Month IRA CD
0.60%$1k-36-47 Month Internet IRA CD
0.50%$1k-36-47 Month IRA CD
0.45%$1k-24-35 Month Internet IRA CD
0.35%$1k-12-23 Month Internet IRA CD
0.35%$1k-24-35 Month IRA CD
0.30%*$100k*-12-23 Month IRA CD
OTHER TIERS: 0.25% $1k - $100k
0.20%$1k-6-11 Month Internet IRA CD
0.20%*$100k*-6-11 Month IRA CD
OTHER TIERS: 0.15% $1k - $100k
0.10%*$100k*-3-5 Month IRA CD
OTHER TIERS: 0.05% $1k - $100k
0.05%$1k-3-5 Month Internet IRA CD
Locations

Zions Bank has 108 locations. Click to view all Zions Bank locations.