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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.

Great Service

After doing contract work there I opened an account and am happy with the service for the last 2 years

Zions Bank is just so-so

I've been with Zions Bank with over 10 years, but I just decided to cut off my ties with them. The reasons for doing so include their lousy savings rates and really poor experiences I've had with other aspects of the institution. When I'm making less return on my savings than inflation, I really need to switch to a better bank. Most experiences with customer service have been friendly, but I haven't been made a very high priority to other things the tellers and bankers seem to be doing. I've had a number of problems with their on-site ATMs shooting money out or just eating my money. One instance in particular took 4 hours out of my day to just get my money deposited after the ATM ate it. That's just really unacceptable. I'm looking for a new bank now that is competitive and doesn't have so many logistical problems.

Hike Fees! Lower Service! Over 20 Years With Zions Bank DONE!

I have seen over the past few years Zions bank has really gone down hill it when it comes to remembering who keeps them in business. Just a few years ago 7am to 7pm banking was a great part of Zions Bank. Just after I closed my place of work or before I opened for the day I could take care of my banking needs. Not any more! Open at 9 or 10 and close at 5 or 6 my branch is not even open at all (not even drive thru) on Saturdays. This was the first big disappointment for me. Next part of the down fall of Zions Bank was the roll out of service fees hikes up to 30% in one year. Next I had a business loan with Zions for 7 years. Last month I asked for a payoff so I could pay the loan off. It took 19 phone calls and 11 faxes and emails over an 8 day period for Zions Bank to get the pay off to me with promises "just give us an hour" mean while charging about $35 a day intrest. I was blown away! I have been honest in my banking relationship with Zions. A few years ago I wrote a check for $5000 it went through my account but a banking error only pulled out $325 for that $5000 check. I caught it 3 months later and immediately went in to this Orem branch and showed Brad what had happened and had him take the correct amount from my account. I don't feel like it's heroic to be honest just business as usually and I expect honesty in return. Yesterday sealed the deal... end of Zions Bank in my business and personal banking. Yesterday when for the first time many years I had a 4 fees pop up on my account, I called to dispute 1 out of 4 charges on my account, and a manger brushed me off like a pest and told me to have a great day. I will not be a pest anymore, or a customer. Zions Bank has forgotten how the customer used to matter. Closing my 4 Accounts and encouraging my friends and family to do the same. I will never bank there again!



Health Grade Components

FDIC Certificate #2270
Year Established1873
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD8.08%
Annual Interest Income$1.08B
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$65.28B$59.45B
LoansQ2 2017vs Q2 2016$43.19B$42.04B
DepositsQ2 2017vs Q2 2016$52.79B$50.94B
Equity CapitalQ2 2017vs Q2 2016$7.68B$7.58B
Loan Loss AllowanceQ2 2017vs Q2 2016$544.1MM$608.2MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$472.8MM$551.3MM
Real Estate OwnedQ2 2017vs Q2 2016$3.8MM$6.9MM
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Zions Bank CD Rates

1.01%$1k-60 Month CD
1.01%$1k-Business 60 Month CD
0.80%$1k-48-59 Month CD
0.80%$1k-Business 48-59 Month CD
0.65%$1k-36-47 Month CD
0.65%$1k-Business 36-47 Month CD
0.50%$1k-24-35 Month CD
0.50%$1k-Business 24-35 Month CD
0.45%$1k-18-23 Month CD
0.45%$1k-Business 18-23 Month CD
0.40%$1k-12-17 Month CD
0.40%$1k-Business 12-17 Month CD
0.35%$1k-9-11 Month Gold CD
0.30%$1k-6-8 Month Gold CD
0.25%$1k-9-11 Month CD
0.25%$1k-Business 9-11 Month CD
0.20%$1k-6-8 Month CD
0.20%$1k-Business 6-8 Month CD
0.15%$1k-1-2 Month Gold CD
0.15%$1k-3-5 Month Gold CD
0.05%$1k-3-5 Month CD
0.05%$1k-Business 3-5 Month CD
0.05%$1k-1-2 Month CD
0.05%$1k-Business 1-2 Month CD