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Zions Bank Review – High Interest Checking, Savings, and Money Market Accounts

by Ryan Guina

I recently began looking for another bank for my small business, and one of the criteria I am using in my search is finding a bank that not only offers a solid business account, but a top tier personal savings account and a free online checking account as well. Managing fewer accounts is a priority for me, as is being able to transfer money quickly and easily through one interface. I think I’ve found my match with Zions Bank.

Zions Bank (ZION) has a long standing tradition and history – they have been in business for over 135 years(since 1873). They are FDIC insured and have over 125 brick and mortar branches, which makes banking easy and convenient when you receive multiple checks or need to interface with a teller more often than a computer screen. But don’t let that make you think they aren’t progressive either – they’ve got a great mobile app as well, which works with the iPhone, the Blackberry, and many other smartphones.

To top it off, Zions Bank has won several awards for online security and offers some of the top interest rates in the nation. Check out these other great features, and then decide if they can meet your banking needs. If you have a business, then you may be hard pressed to find this nice of a package under one roof.

Zions Bank review

Zions Bank Banking Services

Personal Banking: Zions Bank offers a wide array of personal banking accounts and other products that will meet the needs of most individuals, as well as many people with businesses large or small.  Here is a list of their most popular personal banking accounts:

  • Zions Bank Savings
  • Zions Bank Checking
  • Zions Bank Money Market Account
  • Certificate of Deposits (rates vary)

The minimum to open a savings account is $100, and you need to maintain a minimum balance of $1,000 to receive the maximum interest rate, which is currently 1.06% APY – easily among the top interest rates in the nation.

Business Banking: Several business banking packages offering coverage for almost any type of business. Business banking also offers the ability to link personal accounts, which is a big step up from many other banks that offer both options (I am not able to link my personal and business accounts with the bank I currently use for my business checking). Other business banking features include multiple user access, payment processing, business bill pay, employee direct deposit, electronic tax payments, the ability to download your transactions to software solutions such as QuickBooks, and more.

Business solutions: SBA-approved loans, international banking, E-Commerce solutions, retails solutions, merchant account setup, financing tools, business retirement plans, and more.

Zions Bank iPhone and Smart Phone Apps

Mobile banking is one of the hottest trends in the banking industry, and Zions offers a full suite to help you better manage your money on the go. The Zions Bank mobile app works on a host of platforms, including the iPhone and the iPod Touch, the Blackberry, Palm Treo, and phones by LG, Motorola, Nokia, Pantech, Samsung, LG, Sanyo, Sony Ericsson, and more.

With the Zions Bank mobile banking app, you can see a list of all Zions Bank accounts, view recent transaction history, search for specific transactions, transfer money between accounts, and more.

Check out these screenshots from the Zions Bank iPhone App:

Zions Bank iPhone App

Other Zions Bank Features

Zions Bank offers a wide range of other features found at many large banks, including loans and mortgages, credit cards, investing products and services, a brokerage account, international financial products, and many other financial products and services. They even offer free webcasts to spread financial information and tutorials. Overall, Zions Bank offers a product or service for just about any need.

For more information about banking options, or to open an account, visit any of the following links:


Published or updated August 2, 2011.
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