Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:
- Maintaining a minimum daily balance of $1,500.00;
- Maintaining an combined average daily balance of $10,000.00.
Annual Percentage Yield (APY)
The account earns 0.01% interest.
Debit Cards & Using ATMs
Zions Cash Rewards
This account includes 'Zions Cash Rewards' to put money back into your account based on your debit card usage at participating retailers. There is no annual fee to participate in this program.
Surcharge-Free ATM Access
Access to 580 ATMs throughout the West and 129 Financial Centers in Utah & Idado
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Money Pass and ATM.
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
PopMoney-No charge for standard 3 day delivery, $3.00 for next day delivery, $5.00 for instant delivery
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Alerts when certain types of transactions occur;- Daily reminders.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
$0 only on the first order of Zions Bank Exclusive design checks or 45% discount on another check design ordered thru Zions Bank
Monthly Paper Statements
There is a $3.00 monthly fee to receive statements by mail. Enroll in E-Statements to avoid this fee.
Check Images with Statements
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Overdrawing the Account
Negative Balance Fee
There is a $30.00 fee for a negative balance after 7 calendar days with less than a $0.00 balance. The fee is assessed for a maximum of 30 days
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $10.00. The transfer fee is charged for every $100.00 of negative balance;- Funds are transferred in fixed increments of $100.00.