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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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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!

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Health

Health Grade Components

Overall
FDIC Certificate #2270
Year Established1873
Employees9924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD7.15%
Annual Interest Income$516.5MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$65.30B$58.27B
LoansQ1 2017vs Q1 2016$42.33B$40.91B
DepositsQ1 2017vs Q1 2016$53.97B$50.06B
Equity CapitalQ1 2017vs Q1 2016$7.58B$7.47B
Loan Loss AllowanceQ1 2017vs Q1 2016$544.2MM$611.8MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$580.8MM$556.9MM
Real Estate OwnedQ1 2017vs Q1 2016$3.3MM$9.0MM
Rates
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* 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%$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
0.20%*$50k*-IRA Money Market
OTHER TIERS: 0.14% Up to $10k | 0.17% $10k - $50k
0.18%*$250k*-Money Market Account
OTHER TIERS: 0.10% $1k - $100k | 0.15% $100k - $250k
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
1.11%$1k-60 Month Gold CD
1.01%$1k-60 Month CD
1.01%$1k-Business 60 Month CD
0.90%$1k-48-59 Month Gold CD
0.80%$1k-48-59 Month CD
0.80%$1k-Business 48-59 Month CD
0.75%$1k-36-47 Month Gold CD
0.65%$1k-36-47 Month CD
0.65%$1k-Business 36-47 Month CD
0.60%$1k-24-35 Month Gold CD
0.55%$1k-18-23 Month Gold CD
0.50%$1k-24-35 Month CD
0.50%$1k-Business 24-35 Month CD
0.50%$1k-12-17 Month Gold 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

Zions Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k-60 Month IRA CD
0.80%$1k-48-59 Month IRA CD
0.65%$1k-36-47 Month IRA CD
0.50%$1k-24-35 Month IRA CD
0.45%$1k-18-23 Month IRA CD
0.40%$1k-12-17 Month IRA CD
0.25%$1k-9-11 Month IRA CD
0.20%$1k-6-8 Month IRA CD
0.05%$1k-3-5 Month IRA CD
0.05%$1k-1-2 Month IRA CD
Locations

Zions Bank has 101 locations. Click to view all Zions Bank locations.