Zions Bank Review
Zions Bank offers personal and commercial banking, mortgage, and wealth management in the Intermountain West.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | Zions Value Checking | $8.00/month |
Savings: | Zions Savings | 3.00% APY |
Credit: | Zions Bank Visa Cash Back | 1% cash back |
Mortgage: | 30-Year Fixed | 3.80% interest rate |
Fee Rating
3.5/5
Lower is better
FDIC Insured
Yes
Certificate: 124303745
Digital Banking
4.0/5
Online & Mobile Experience
Branch Network
100
Physical Locations
Key Features
- Regional strength; relationship banking.
Bank Information
Routing Number
124303745
SWIFT Code
ZIONUS44
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-232-3443
24/7
Headquarters
Salt Lake City, UT, USA
Years in Business
152 years (Est. 1873)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS, Authenticator
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL; multi‑factor
Login Instructions
Enter user ID & password → complete 2FA
Login Help
Call customer service: 1-800-232-3443
Hours: 24/7
Products & Services
Accounts & Products
Checking
Zions Value Checking
Monthly Fee
$8
Minimum Balance
$250
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$34
ATM Fee
$2.5
Savings
Zions Savings
APY
$3.00%
Annual Earnings
$3.00
Compounds
$Monthly
Minimum Balance
$100
Monthly Fee
$5
Withdrawal Limit
$6/month
Credit Card
Zions Bank Visa Cash Back
Mortgage
30-Year Fixed
Interest Rate
$3.8%
APR
$3.875%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$60,000
Max Loan Amount
$800,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with Zions Bank?
Visit their website to explore account options and start your application