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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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A caring and professional bank

I was in Utah for college and BoA was not available in the area for me to deposit/withdraw money and manage my account. I went into Zion Bank in South Jordan, UT to open an account. I was greeted very warmly, like family. I opened up a savings/checking account with them. Their web experience is very user friendly and easy to navigate. I would definitely recommend Zion bank. They also offered me a small scholarship for attending a university nearby.

A decent choice with opportunities

Posted by: Logynenb | Dec 6, 2017

This is an overall solid bank, but one that is advantageous in my area only because there are so many branches located around here. They have a good selection of products. For me, I've had both a savings and checking account to them. One thing I like is that it's easy to find your balance and what transactions currently are on a live update. Some institutions delay these by quite a bit, but Zions does a good job of making them as real-time as possible. What I don't like about them is that they don't have a good way to do live chat or contact customer service outside of calling them. Really wish they would support more channel offerings to get people a way to contact them in case of account issues.

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.



Health Grade Components

FDIC Certificate #2270
Year Established1873
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD13.08%
Annual Interest Income$591.3MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$66.30B$65.30B
LoansQ1 2018vs Q1 2017$44.70B$42.33B
DepositsQ1 2018vs Q1 2017$53.34B$53.97B
Equity CapitalQ1 2018vs Q1 2017$7.58B$7.58B
Loan Loss AllowanceQ1 2018vs Q1 2017$472.7MM$544.2MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$376.2MM$580.8MM
Real Estate OwnedQ1 2018vs Q1 2017$4.8MM$3.3MM
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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

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

0.90%$1k-Online Money Market
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
0.30%--Business Money Market Sweep

Zions Bank Checking Account Rates

0.20%*$100k*-Business Interest Checking
OTHER TIERS: 0.08% Up to $5k | 0.15% $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

2.10%$1k-12-17 Month CD
2.10%$1k-Business 12-17 Month CD
1.66%$1k-60 Month CD
1.66%$1k-Business 60 Month CD
1.41%$1k-48-59 Month CD
1.41%$1k-Business 48-59 Month CD
1.31%$1k-36-47 Month CD
1.31%$1k-Business 36-47 Month CD
1.16%$1k-24-35 Month CD
1.16%$1k-Business 24-35 Month CD
1.06%$1k-18-23 Month CD
1.06%$1k-Business 18-23 Month CD
0.65%$1k-9-11 Month CD
0.65%$1k-Business 9-11 Month CD
0.50%$1k-6-8 Month CD
0.50%$1k-Business 6-8 Month CD
0.20%$1k-3-5 Month CD
0.20%$1k-Business 3-5 Month CD
0.05%$1k-1-2 Month CD
0.05%$1k-Business 1-2 Month CD

Zions Bank IRA Rates

2.10%$1k-12-17 Month IRA CD
1.66%$1k-60 Month IRA CD
1.41%$1k-48-59 Month IRA CD
1.31%$1k-36-47 Month IRA CD
1.16%$1k-24-35 Month IRA CD
1.06%$1k-18-23 Month IRA CD
0.65%$1k-9-11 Month IRA CD
0.50%$1k-6-8 Month IRA CD
0.20%$1k-3-5 Month IRA CD
0.05%$1k-1-2 Month IRA CD


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