Zions First National Bank was founded in Salt Lake City in 1873 and continues its legacy of strength and stability as one of the oldest financial institutions in the Intermountain West. To bring value to individuals, small-to middle-market businesses, nonprofits, corporations and institutions, Zions Bank provides a wide range of traditional banking and innovative... show more
Zions Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/12/2025.
4.3
2,299 reviews
from WalletHub and across the web
2,299 reviews from WalletHub and across the web
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Zions Bank
Amy Bercher @amy_bercher
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1 Star Rating
I am writing this review because of the service I received on September 23, 2025. I was trying to cash a check for my uncle who passed away last month. The check was for less than 1,000 dollars and was issued by their bank. I had all the documentation needed to cash this check. However, they wouldn't cash it. Then, she told me to open an estate account. I didn't appreciate the manner in which she conducted business with me that day. This was at the bank located at 800 W Main St, STE 100, Boise, ID. I was unhappy with the way I was treated at that time, which was 4:30 PM.
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Product: Zions Bank Personal Loans
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Zions Bank
Denise Jensen @Balderdash1.
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5 Star Rating
Taylorsville, Utah, branch was extremely helpful with issues regarding a stolen credit card number and checking account issues. Debera was very professional and helpful in dealing with the issues I had and went the extra mile for me and my husband. We've been with them for 43 years and have had great experiences. I strongly recommend the Taylorsville branch to do business with.
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Product: Zions Bank Credit Cards
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Zions Bank
daniellecrump27 @daniellecrump27
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1 Star Rating
Worst bank in history! I had gap coverage, and it didn't cover my vehicle, even though I was up-to-date on payments. They've been pressuring me for over 10 years to get the money, and now they've doubled what I owed them! Terrible ethics, terrible morals, horrible people!
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Product: Zions Bank Car Loans
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Zions Bank
Bryan Melendez @bmel96
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1 Star Rating
Incompetent bank and customer service. They do not send you a debit card upon opening the account, nor do they offer a virtual card like other banks. They also charge a $25 fee if you wish to expedite the card. The pin is sent in a separate envelope and takes 7-10 days, and cannot be expedited. Zelle payments made through Zion take 3-4 business days to post and receive. With other banks like Wells Fargo or KeyBank, it is instant.
The mobile app is constantly under maintenance, yet nothing improves; it's still slow and outdated. The entire bank is not up to current standards. Zion customer service representatives are rude, unhelpful and will hang up on you too. Garbage!
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Product: Zions Bank Checking
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Zions Bank
Eassy Lover @easylover39
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2 Star Rating
I attempted to make a charge on a legitimate website that I have used before and was blocked. When I called customer service, the representative was arrogant and wanted to control the conversation. She tried to mask her arrogance with politeness, but I could see through it. She made me feel unintelligent. She said the purchase was blocked because it was flagged as a suspicious website. I used my Citicard to make the purchase without any problems. Zion's Bank may be a very conservative bank which caters to what it perceives as a specialized clientele.
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Product: Zions Bank Credit Cards
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Zions Bank
vincentnoot @vincentnoot
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1 Star Rating
Anyone who steals from me gets a one-star review. We have plenty of money, but because at one point there wasn't enough in the checking account, just in the money market, they charged us $29 without our knowledge. We found out two weeks later. I know many banks do this, but it feels like theft to me. I disapprove of any business that makes their money this way.
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Product: Zions Bank Checking
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Zions Bank
Kaitlin Nasella @kaitlinnasella
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1 Star Rating
There was Fraud on my account. I wish I had the name of the man I talked to. But he accused me of knowing how the fraud was happening, made me cry, and basically gaslit me into begging for help after threatening to “just close my account permanently and no longer have access to it”. Like that seemed like the solution? I only use my online banking and was hoping to resolve the lock my account had on it. He was not understanding, very uncaring, and very unprofessional. Makes me want to switch banks! I have only ever used my online banking and he tells me I can ever use it, he was no help didn’t offer solutions, worst customer service. He told me he wasn’t customer service and that he was with fraud, while at the same time telling me I have to figure out what’s causing the fraud. And when I communicate possible ways I’ve been hacked he accuses me and treats me like I’m a crazy person, and like it doesn’t matter that I might need access my money, my savings, statements, transfering services? I get paid through Zelle and how am I even supposed to know what’s going on if I can’t use my online banking app? He tells me I need to go basically do more research and figure it out on my own. Isn’t it your job to help me??? Compared to Amex customer service Zions bank is garbage. I’ve always been talked to kindly with Amex customer service and then always resolve the issue quickly and with no accusations or threats.
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Product: Zions Bank Checking
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Zions Bank
Mcgmickey @Mcgmickey
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1 Star Rating
Horrible customer service! Trying to resolve a dispute and everyone I talked to didn't follow through helping me get it resolved. Collection department was rude and zero help over $30. Will take my business elsewhere.
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Product: Zions Bank Credit Cards
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Zions Bank
Grant Petersen @grantlee3000
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1 Star Rating
My neighbor had a problem and went into Zions. The banker said, "Well, let's see what you did wrong." My neighbor went home to his wife and announced proudly, "I Fired Our Bank!" Much joy and laughter came to our small neighborhood that day! But Zions will get you on the small things, like a $3.00 paper fee. Even back in the old days when everybody used paper 140% of the time, nobody charged a paper fee! Zions does not look at it that way, they just find ways to flick you in the ear.
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Product: Zions Bank Checking
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Zions Bank
youngerelder1 @youngerelder1
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1 Star Rating
I am so sick of Zions bank. Every time I have to get something done here they fail. I’ve done wire transfers and they either lose it or forget to do it. They have a glitch on their website and I end up having to pay a fine. This bank sucks.
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Product: Zions Bank Checking
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Zions Bank
janepresents2 @janepresents2
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1 Star Rating
We've been using Zions for a while, but now it's not updating our budgeting software (mint and everydollar). We've switched to a credit union for most things and it's probably only a matter of time before we close the Zions bank checking account
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Product: Zions Bank Credit Cards
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Zions Bank
kent_sorensen484 @kent_sorensen484
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1 Star Rating
This is a bank that is never open. If there is a Mormon Holiday they shut down on Saturday and Monday. No way can you ever put money in your account on the 24 because they just shut down whenever they want. Just say this is a Mormon bank and we will do whatever we want. Our customers don't matter.
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Product: Zions Bank Business Services
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Zions Bank
Paulette Wilkins @bidetpal
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1 Star Rating
First, setting up a basic checking account is VERY intrusive. They make you answer all these private financial questions. Then they keep calling you after you set your account up to intrude some more. THEN we ask to have a debit card replaced when we are across the country on vacation, and it takes 3 WEEKS to get to us! How ridiculously cheap they are to choose bulk mail rate to send these cards, just to save 10 cents on postage. I could have sent my uncle a postcard across the country, and had him send it back to me faster than we got our debit card. When we get home, I will be closing all accounts with them, and going with an 100% online bank, that will expedite a replacement card. 1 star for sure.
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Product: Zions Bank Checking
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Zions Bank
Brandon @brandonstratton87
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5 Star Rating
Great bank to bank with excellent customer service and everyone is friendly and excellent to work with I recommend anyone that needs credit or a bank to go thru them
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Zions Bank
keslercd @keslercd
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1 Star Rating
Look, I like Zions Bank, they are local and make it easy to talk to a real person. But seriously their technology is garbage. Their website is terrible, their mobile app is terrible. I have a business account with them and I was reconciling my transactions on QuickBooks in preparation for taxes. But guess what, you can't see check images online on anything older than 180 days or a limited number of transactions ago. So, I called, and you have to actually order each check image you want to be printed and mailed to you at a price of $3.00 an image! What?? Are you serious? That would cost me hundreds of dollars to find out what was on those check memo lines or who they were made out to. This is unacceptable. I can see check images years back on Wells Fargo's website. Buy a few more hard drives for your servers for crying out loud, it's not like a black and white low-res image takes up much space. You already have them somewhere if I can order re-prints. Is it on magnetic tape? Microfiche? This is ridiculous.
Get answers to your questions about Zions Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The minimum credit limit for the AmaZing Rate business credit card is $500, and for the AmaZing Rate personal credit card it is $1,000. The actual limit you get depends on multiple factors, such as your income, existing debt and credit history.
Zions Bank has numerous locations across the western states, including Utah, Idaho, Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas, Washington, and Wyoming.
To find the specific locations and working hours you can go to Zions Bank's website, or contact its customer service at (888) 307-3411.
You can check the best checking accounts available for you to make sure that whatever decision you go for really fits your goals.
Zion Bank Rewards points are worth 1 cent per point. For example, 1,000 points from Zion Bank Rewards are worth $10 when redeemed for a statement credit - the only redemption method available through the Zion Bank Rewards program.
Zion Bank Rewards Points Value by Redemption Method
No, the Zions Bank Anytime Checking account does not offer free checks as a standard feature. However, it has no monthly maintenance fee and includes features such as online banking, mobile check deposits, and Zelle.
For the most up-to-date information, visit Zions Bank's website or contact their customer service at (888) 307-3411.
You can check the best checking accounts available to ensure that whatever decision you go for really fits your goals.
Yes, the Zions Bank Business Inspire Checking account allow external transfers. You can link external accounts at other financial institutions through Zions Bank's Business Digital Banking. Once enrolled and linked, you can initiate transfers via the mobile app or Online Banking.
For the most up-to-date information, refer to Zions Bank's website or contact their customer service at (888) 307-3411.
You need a credit score of 750 for the Zions Bank Clarity Credit Card. That means people with excellent credit have a shot at getting approved for the card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the card. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and...
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by WalletHub: Zions Bank AmaZing Rewards® Business Credit Card, Zions Bank Vivid® Rewards Credit Card, and Zions Bank Clarity Credit Card.
