Overall (8.5/10)
Interest Rates & APY (8.7/10)
Fees & Minimums (8.9/10)
Customer Service (8.5/10)
Mobile App & Digital Banking (8.7/10)
Rewards & Perks (8.9/10)

Zions Bank Review:

Intro

Zions Bank (a division of Zions Bancorporation, N.A., NASDAQ: ZION, $87B+ in assets) is a top-ranked Intermountain West and national digital commercial bank offering AnyTime Checking, Premier Money Market accounts, Home Equity lines, and perennial top-10 SBA business lending.

Full Review

Zions Bank (Salt Lake City, UT, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Zions Bank (a division of Zions Bancorporation, N.A., NASDAQ: ZION, $87B+ in assets) is a top-ranked Intermountain West and national digital commercial bank offering AnyTime Checking, Premier Money Market accounts, Home Equity lines, and perennial top-10 SBA business lending.

In our comprehensive 2026 review, Zions Bank earned strong marks across rate competitiveness (4.35% Digital Money Market APY), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Zions Bank.

Pros

  • Perennial leader in SBA 7(a) small business lending and women/minority-owned business financing
  • AnyTime Checking features $0 monthly maintenance fees when enrolled in online statements
  • Backed by $87B+ Zions Bancorporation (Member FDIC)

Cons

  • Physical branches are concentrated in Utah, Idaho, and Wyoming (with sister brands in CA, TX, AZ, NV, CO, WA)
Feature Value
Overall Rating 4.6
Savings APY / AER 4.35% Digital Money Market APY
Deposit Insurance FDIC / NCUA Insured ($250k+)

Zions Bank: Products

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Zions Bank AnyTime Checking & Money Market

Zions Bank AnyTime Checking & Money Market

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Zions Bank: Categories

Mortgages & Home Loans

Mortgages & Home Loans

Rated 9.2

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Business Banking

Business Banking

Rated 9.1

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High-Yield Savings

High-Yield Savings

Rated 9

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Checking Accounts

Checking Accounts

Rated 8.9

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