Zions Bank is a fairly old bank with over 125 branches and offers a decent variety of account options. To find out is Zions Bank is right for you, continue reading this review below.
Each one of their accounts offer some pretty good benefits and they have various ones that can suit all kinds of people, even a military checking account for veterans.
Checking Account Options
Zions Bank has a decent variety of checking accounts that comes with different benefits. Be sure to read through all the details before applying to any account.
This is Zions Bank’s regular checking account and you will need a minimum opening deposit of $50.
The good news is, there are no monthly fees nor minimum balance requirements to worry about, so you can spend as your please without deductions for a low balance.
This account also comes with notable benefits such as:
- A Zions Bank Visa Debit Card
- Free Online Banking and Online Bill Pay
- Zions Bank partners with Zelle to make transferring and withdrawing money easier
- Access to all Zion ATMs
This is an interest bearing checking account and you will need a minimum deposit of $50 as well to get started.
There is unfortunately a $10 monthly fee, but you can waive it by maintaining a minimum balance of $1,500 overall.
You will have access to free online and mobile banking and get discounts on check orders.
You also will receive a one monthly waiver when you use a non-Zion Bank ATM.
This checking account is designed for those who have a higher balance to keep up with. You will need a minimum deposit of $50 in order to open it.
There is a monthly fee of $20, but you can waive it as long as you have an average monthly balance of $10,000.
You can also waive it by having an overall balance of $25,000 in combined Zions Bank accounts.
This premium account comes with much more benefits than the other checking accounts.
Some of these benefits include:
- You get 3 free withdrawals waiver when you use a non Zions Bank ATM each month
- Avoid monthly fees by linking your Zions Bank savings or money market account (relationship account)
- Prevent overdrafts with automatic transfers from Savings or Credit Reserve Line
- Free Online Banking and Online Bill Pay
- Zions Bank partners with Zelle to make transferring and withdrawing money easier
- Access to all Zion ATMs
- Get personalized Zion Banks checks for no charge
You can open this checking account as long as you are a veteran or have served in the military in some way.
You can also open this account if you are an active ROTC student as well.
Anyone eligible applying will need $50 as an opening deposit, but then there are no monthly fees afterwards.
This account comes with all the benefits the other checking accounts already have.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Zions Bank has a very small selection of savings accounts and they earn interest at an average rate.
This is a savings account with a variable interest rate and interest is compounded daily. You will need a minimum deposit of $50 to open it.
There is a $3 monthly fee, but you can waive it by maintaining a daily balance of $200.
Some benefits that this account include are:
- Get paid on every dollar you save with no minimum balance requirement to earn interest
- Build savings automatically by establishing optional transfers from a checking account
- Access to free Online Banking and Online Bill Pay
This savings account is for kids 18 and under and they only need $5 to open it.
There are also no monthly fees nor minimum balance requirements to worry about.
Some benefits that this account include are:
- Get paid on every dollar you save with no minimum balance requirement to earn interest
- Build savings automatically by establishing optional transfers from a checking account
- Make up to 6 withdrawals and transfers each month without being charged
- Access to free Online Banking and Online Bill Pay
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Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Zions Bank has two money market accounts that earn pretty decent interest rates.
You will need $500 to open this money market, but there are no monthly fees to worry about afterwards!
This account earns interest rate at a variable rate and it is compounded daily.
Some benefits that this account include are:
- You can link this money market with your Premium Interest Checking account to increase interest
- Make unlimited withdrawals at a branch or ATM
- Write checks for extra flexibility in accessing your Money Market funds
- Access to free Online Banking and Online Bill Pay
Open this money market with $500 and then you are free from monthly fees.
This account earns interest rate at a variable rate and it is compounded daily.
Some benefits that this account include are:
- You can link this money market with your Premium Interest Checking account to increase interest
- Make unlimited withdrawals at a branch or ATM
- Write checks for extra flexibility in accessing your Money Market funds
- Access to free Online Banking and Online Bill Pay
Compare Money Market Accounts
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CD Account Options
Zions Bank offers CDs with decent interest rates. They range from 1 month to 60 months and requires $1000 to open for each of them.
To find more about Zions Bank’s CDs, click here.
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Reasons to Bank with Zions Bank
- They have a good range of checking accounts that all offer similar benefits.
- They have low minimum deposit requirements.
- Link your savings account to a checking account to maximize your interest rate earnings.
- Increase your interest rate earnings by linking a money market account with Premium Interest Checking.
- Avoid monthly fees by linking your savings and checking accounts.
- There is a Military Advantage Checking account for veterans and those who serve in the military.
- ROTC students can apply for Military Advantage Checking account.
- Conduct all your banking online or on Zions Bank mobile app.
- Zions Bank is partnered with Zelle to make transferring and withdrawing funds more convenient
Reasons Not to Bank with Zions Bank
- Their interest rates aren’t the best, their accounts earn average, variable interest.
- Their customer service line isn’t 24/7 and don’t have a live chat.
- They don’t necessarily have relationship rewards.
Zions Bank Routing Number
Zions Bank’s routing number is 124000054.
Contact Customer Service
You can reach Zions Bank at 888-307-3411.
A customer representative will be available to speak with you on Monday to Saturday from 7 a.m. to 8 p.m. MT.
How Zions Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Fifth Third Bank: Fifth Third Bank has various account options and provide tools to their customers to become more financially responsible.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
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Bottom Line
If you want a simple checking or savings account, consider looking into Zions Bank.
Their accounts aren’t too difficult to maintain, and they even let ROTC students apply for Military Advantage Checking which is rare for most military checking accounts.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with Zions Bank, apply today! For more options from a variety of banks, see our list of the best bank promotions!
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