Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $20.00 can be waived by:
- Maintaining an combined average daily balance of $10,000.00;
- Combined Deposit and Consumer Loan Balance of at least $25,000.00.
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.
ATM Fee Reimbursements
3 ATM fees charged by other banks will be rebated each month
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Money Pass 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
Free Zions Bank Logoed checks and 45% discount on another check design ordered thru Zions
Monthly Paper Statements
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 5 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 $32.00 per overdraft.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- Funds are transferred in fixed increments of $5.00.