Zions Bank Anytime Interest Checking® Account
Earn interest, while enjoying plenty of free perks, such as:
- free digital banking,
- free first check order,
- free safe deposit box.
securely on the bank's website
The Zions Bank Anytime Interest Checking® Account is an interest-bearing checking account offering flexible money management solutions through online and mobile banking, discounts on check orders and safe deposit boxes, and one monthly out-of-network ATM fee waiver. You can also earn rewards when shopping with your Visa through Zions Amazing Deals.
This checking account might be right for someone living in Idaho or Utah, where the bank has its branches. However, since the APY rates don't increase as your balance increases, you might find a better deal elsewhere. So, if your bank's physical location is of none importance for you and your banking needs, you might want to consider another interest-bearing checking account.
Checking account details
- Monthly fee can be waived if you keep a minimum daily balance of at least $1,500 OR a combined deposit and consumer loan balance of at least $10,000
- Visa Debit Card with Zions Amazing Deals (Shop anywhere Visa® accepted).
- Money transfers with Zelle®.
- Online Banking and Online Bill Pay.
- Free Digital Banking with Mobile Check Deposit.
- Free electronic statements, otherwise $3.
- Free access to Zions Bank ATMs.
- 1 Non-Zions Bank ATM fee waiver per month.
- $0 only on the first order of "Zions Bank Exclusive" design checks or 45% discount on another check design ordered through Zions Bank.
- Free standard size (3x5) safe deposit box (where available) or $10 discount towards any larger box (key deposit required on all boxes).
- Customer Service available Monday through Saturday, 7 a.m. to 8 p.m. MT (888-307-3411).
- OnCard®, a reloadable, prepaid debit card with a built-in money management app, available after account opening.
Checking account fees
-
Monthly Fee$10 (can be waived)
-
APY0.01%
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Minimum Deposit to Open$50
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Out-of-Network ATM Transaction Fee$2
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Out-of-Network ATM Withdrawal Fee$2
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Overdraft Fee$32
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Non-Sufficient Funds Fee$32
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Foreign Transaction Fee3%
Zions Bank Anytime Interest Checking® Account FAQ
You need to be at least 18 years old, and provide your:
- name,
- home address,
- email address,
- date of birth,
- Social Security number,
- phone number,
- name of employer,
- occupation, and
- account information for a deposit - you will need to make an initial $50 deposit to open the Anytime Interest Checking® account.
In order to have your monthly fee waived, you need to keep a daily balance of $1,500 or more in your account or have at least $10,000 in a combined deposit and consumer loan balance.
A combined deposit and consumer loan balance includes money from all your linked Zions Bank accounts. When it comes to deposits, eligible accounts are checking, savings, money market, CD, and IRA. While for loans, we have auto, credit card, credit lines, home equity loans, home refinance, and installment loans. Mortgage loans aren't included.
You will start earning interest as soon as the initial deposit has been processed, which usually happens the same or next business day following receipt.
Interest rates apply on your balance (the principal), and it's how much you earn on it over a period of time. Simply put, if you have $1,000 with the interest rate of 15%, you will earn $150/year.
Annual Percentage Yield or APY is also how much you gain, including compound interest, which is calculated on the principal and the interest accumulated over the previous period. This is why APY is usually higher than the interest rate. APY is the real rate of return on your deposit. The more frequently interest is compounded, the better return will be - as it adds up to previous amounts which are higher thanks to compounding.
You can earn more interest with Zions Bank if you choose to add a savings or money market account at the time of application. The savings account comes with a $3 monthly fee, which can be avoided, while a money market account has no monthly fees. Rates applied are variable, currently set to 0.03%, and 0.02%-0.10% for savings, and money market accounts, respectively.
You must order them through Zions Bank if you want to get a discount. You can do so online, in your local branch or by contacting Zions Bank's customer support center at 801-974-8800.
To avoid paper statement fees, you need to enroll in Online Banking first. Once you've signed in to your account, you'll be able to opt out of paper statements, and choose to receive either electronic statements or paper account notices and tax documents at no extra cost.
Zions Bank allows you to use your mobile device to deposit check, which saves you time, as you don't need to visit a local branch. To make a mobile check deposit, you will need to download Zions Bank's mobile app first. Then, all you need to do is take a photo of your check deposit, and submit it through your mobile phone. Some deposit limits apply, based on length of oldest deposit account relationship.
Zions AmaZing Deals® is a rewards program allowing you to earn cashback when shopping at hundreds of local merchants with your Zions Bank Visa debit or credit card. Without prior enrollment, you can save money using coupons and deals, or receive up to 50% cashback by shopping at participating Utah or Idaho retail stores, restaurants, automotive shops, health and beauty providers, and more.
Visit Zions AmaZing Deals® for more details.
Direct Connect is another way to access your Zions Bank account directly using a personal financial management software, such as Quicken®. You can download your account statements into Quicken®, transfer money between accounts, view check records, review transactions, pay bills, and update your information.
Your account is protected with a PIN available only to you.
This services is provided to Zions Bank's customers free of charge. For more information, you can contact Zions Bank at 800-840-4999.
7 Best Checking Accounts for 2023
Featured Checking Accounts
Bank | Monthly Service Charge | Minimum Deposit to Open | APY |
---|---|---|---|
Zions Bank Anytime Checking® Account | $0 | $50 | 0.00% |
Zions Bank Anytime Interest Checking® Account | $10 (can be waived) | $50 | 0.01% |
Zions Bank Premium Interest Checking® Account | $20 (can be waived) | $50 | 0.01% / 0.03% / 0.05% |
Bank | Monthly Service Charge | Minimum Deposit to Open | APY |
---|---|---|---|
Comerica Bank Rich Rewards® Checking Account | $18 (can be waived / reduced) | $50 | 0.01% |
Comerica Bank Premier Checking Account | $22 | $50 | 0.01% |
Comerica Bank Comerica Platinum Circle Checking® | $0 | $50 | 0.10% / 0.25% |