Does Zions Bank offer sign-up bonuses for new checking or savings accounts?

At this time, Zions Bank is not offering sign-up bonuses on new checking and savings accounts. Remember, though, that promotions can vary, so it's always good to check back in on the bank's website or visit a local branch to ask about the latest offers.

How can I qualify for a Zions Bank promotion if one is available?

To qualify for a bonus, you'll need to open one of the eligible accounts outlined in the bonus. You will need to meet the requirements outlined as well. This might include a minimum deposit, direct deposit and any other terms and conditions.

Why didn't I receive my Zions Bank promotional bonus?

You might not be able to receive a bonus if you don't qualify. That means failing to meet the deposit requirements, closing the account early or having an existing account with Zions Bank. If you think you do qualify, however, it's a good idea to check in with Zions Bank's customer service to determine the next steps.

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Zions Bank Promotions: Best Offers and Bonuses

September 1, 2025

6 min Read

Written by Cynthia Bowman

Edited by Melanie Grafil

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At this time, Zions Bank does not have any active promotions for checking, savings or other banking products.

You can see some of the top highlights on their checking and savings accounts offerings below:

Zions Bank Checking Accounts

Anytime Checking

Minimum opening deposit: $50
Monthly maintenance fee: $0
Paper statement fee: $3, but waivable if you enroll in eStatements

Anytime Interest Checking

Minimum opening deposit: $50
Monthly maintenance fee: $0 if you maintain at least $1,500 in your account or have a deposit and personal loan balance of at least $10,000
APY: Up to 0.08%

Premium Interest Checking

Minimum opening deposit: $50
Monthly maintenance fee: $20, but waivable if you have a combined balance of at least $25,000
APY: Up to

Zions Bank Savings Accounts

Savings Account

Minimum opening deposit: $50
Monthly maintenance fee: $3, but waivable with a $200 daily balance or having $25 in automatic transfers from a linked checking account
APY: Up to

Young Savers Account

Minimum opening deposit: $5
Monthly maintenance fee: $0
APY: Up to

Money Market Account

Minimum deposit: $500
Monthly maintenance fee: $0
APY: Up to

How To Qualify for a Zions Bank New Account Bonus

If Zions Bank offers a promotion in the future, here are some ways you can ensure you’re eligible to receive the bonus.

Open an Eligible Account

If you’re 18 or older, you can simply visit a local branch to open an account. However, most people find it much easier to open an account online because it only takes about five minutes. You’ll need to provide the following:

Name and other personal information
Contact information, including a phone number and email address
Social Security number
Funds to open the account, either by using a credit or debit card to make a deposit or by creating a bank transfer using your current bank’s account number and routing number

Minimum Deposit and Direct Deposit Requirements

A minimum deposit might be required for a future bonus. To put into perspective, Zions Bank currently requires a $50 initial deposit for its Anytime Checking account.

Common Reasons Bonuses May Be Denied

You might be ineligible to receive the bonus if you don’t meet direct deposit requirements, you close the account before meeting the requirements–or even before the bonus has been awarded. Also, recent customers or existing account holders might also not be eligible. Not having a promo code if one is required, is another reason.

Comparing Zions Bank Offers to Competitor Promotions

Zions Bank’s offerings on promotions and bonuses can vary at any given time. Currently, there are no bonuses that provide a cash value, like many larger national banks. However, their benefits may be better suited to its local customers. Here’s a comparison between Zions Bank and other competitors.

Zions Bank vs. Chase

Chase often features checking account bonuses, between $200 and up to $600 in value. It has a wide network of branches as well, making it quite accessible for nearly anyone across the U.S. Conversely, Zions Bank is more focused on providing solid rates on savings, business solutions and wealth management.

Zions Bank vs. Wells Fargo

Wells Fargo regularly features promotions on new checking accounts. Cash rewards are offered, with the requirement for direct deposits to be set up. On the other hand, Zions Bank appeals to its local customers, offering personalized service and those looking to build a long-term relationship with the bank.

Zions Bank vs. Bank of America

Bank of America also tends to offer sign-up bonuses. Zions Bank doesn’t currently offer a promotional cash offer, though it does feature a variety of checking, savings and money market accounts. There are even checking options that earn interest at Zions Bank.

Here’s a look at how the savings account offerings between these banks compare to Zions Bank.

Savings Comparison

Fees

$0 to $3 monthly

$5 monthly, waivable

Up to $12 monthly service fee – can be waived

$8 waivable monthly maintenance fee per statement cycle

APY

Up to

Up to for Platinum Savings accounts

to for most accounts, 5% to 20% booster for Preferred Rewards members

Min Opening

$5 to $50

$25

$100

Tips for Maximizing Your Zions Bank Offer

Want to get the most out of a Zions Bank promotion? Here’s how to maximize your bonus and avoid any surprises.

Best Times to Apply for Maximum Bonuses

Zions Bank may offer limited-time promotions each quarter, so that may be the best time to check and potentially open a new account–especially at the beginning of the year. The holidays could also bring incentives to entice new customers looking to add a few extra dollars to their bank account.

Avoiding Fees That Could Reduce Bonus Earnings

Your best bet is to make sure you’re not inadvertently racking up account fees. For example, many bank accounts require a minimum balance to waive the monthly maintenance fee. If you use an out-of-network ATM, there may be fees there as well.

If the bonus you’re applying for requires direct deposits of a certain amount, make sure you meet this so you don’t hurt your eligibility to receive the cash being offered.

Maintaining Account Requirements to Keep the Bonus

You should keep your account open for a certain period, as well as maintaining any direct deposit or balance requirements until your bonus is credited. Closing an account prematurely could lead to losing out on the bonus.

Check back periodically for updates and new promotions as they are available. If none of the above promotions seem like a good fit for you, there are also many other banks offering promotions.

Zions Bank Promotions FAQ

Here are the answers to some of the most frequently asked questions about Zions Bank promotions.

Does Zions Bank offer sign-up bonuses for new checking or savings accounts?
- At this time, Zions Bank is not offering sign-up bonuses on new checking and savings accounts. Remember, though, that promotions can vary, so it's always good to check back in on the bank's website or visit a local branch to ask about the latest offers.
How can I qualify for a Zions Bank promotion if one is available?
- To qualify for a bonus, you'll need to open one of the eligible accounts outlined in the bonus. You will need to meet the requirements outlined as well. This might include a minimum deposit, direct deposit and any other terms and conditions.
Why didn't I receive my Zions Bank promotional bonus?
- You might not be able to receive a bonus if you don't qualify. That means failing to meet the deposit requirements, closing the account early or having an existing account with Zions Bank. If you think you do qualify, however, it's a good idea to check in with Zions Bank's customer service to determine the next steps.

More About Zions Bank

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 25, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

This article has been updated with additional reporting since its original publication.