Zions First National Bank

What Zions First National Bank does

Zions First National Bank, operating as Zions Bank, is a regional community bank headquartered at 1 S Main St, Salt Lake City, Utah, founded in 1873 and operating as a primary division of publicly traded Zions Bancorporation, N.A. (NASDAQ: ZIONP). The bank provides a full suite of retail and commercial banking products including multiple checking tiers (Anytime, Gold, Military Advantage, OnBudget), savings and money market accounts, IRAs and CDs, personal and auto loans, a comprehensive mortgage suite (Fixed, Adjustable, FHA, VA, Jumbo, Construction, Home Equity), and seven credit card products ranging from the Launch Secured Card to the premium Reserve Credit Card. It also offers wealth management, personal insurance, foreign currency services, student banking, and military-focused programs. The customer base spans individual consumers, small and mid-sized businesses, wealth management clients, military personnel and veterans, students, and regional exporters engaged in international trade.

The bank's technology footprint centers on a digital banking platform delivered through web, mobile, and dedicated commercial channels including the Treasury Gateway for business treasury management. Digital payment integrations include Apple Pay, Google Pay, Visa Debit, and Zelle for peer-to-peer transfers. The distribution model combines a physical branch network in the Western US (with confirmed Utah and Idaho presence) with appointment-based relationship banking through dedicated mortgage officers, financial advisors, and commercial banking teams. Marketing relies on content (personal finance and business blogs, economic outlook webinars), email newsletters, social media, community reinvestment programs, and vertical-specific events such as the International Trade Summit.

Revenue is generated primarily through traditional banking mechanics: net interest income from lending across mortgages, personal, auto, home equity, and commercial loans; transaction-based revenue from deposit and checking fees, credit card interchange, and card annual fees; mortgage origination fees; and treasury management fees. Distribution is direct-to-consumer through both branch and digital channels, supplemented by a sales-led relationship banking motion for higher-value mortgage and commercial segments. The bank is regulated as a national bank, FDIC insured, and operates with 1,001-5,000 employees.

Name

Zions First National Bank

Legal name

Zions Bancorporation, N.A.

Website

https://zionsbank.com

Company type

Public

Founded year

1873

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Zions First National Bank (dba Zions Bank) is a 1873-founded regional community bank headquartered in Salt Lake City, Utah, operating as a division of Zions Bancorporation, N.A. (NASDAQ: ZIONP). It provides full-service retail and commercial banking, mortgages, credit cards, wealth management, and digital banking to consumers, businesses, military, students, and exporters across the Western US.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Commercial lending
• Mortgage loans
• Wealth management
• Digital banking

Headquarters

HQ city

Salt Lake City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: Traditional banking revenue from interest charged on loans including mortgages, personal loans, auto loans, home equity lines of credit, and commercial loans
2. Deposit and Checking Account Fees: Fees from checking accounts, overdraft protection services, and related banking services
3. Credit Card Revenue: Revenue from credit card transactions, annual fees, and interchange fees across multiple credit card products including Agility Cash, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, and Reserve cards
4. Mortgage Banking: Revenue from mortgage originations including conventional, FHA, VA, affordable housing, jumbo, and construction loans
5. Dividend Income: Dividend payments to shareholders of Zions Bancorporation, with quarterly dividend of $0.2847 per share and $1.14 annualized dividend

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Zions First National Bank operates as a regional community bank providing consumer and commercial deposit products, personal and home loans, credit cards, mortgages, wealth management, and digital banking services. Offerings include tiered checking and savings accounts, IRA and CD products, a full home loan menu (fixed, adjustable, FHA, VA, jumbo, construction, home equity), auto and personal lending, seven credit card products, and a dedicated Treasury Gateway platform for business cash management. Supplementary services include insurance, foreign currency exchange, student and military banking programs, fraud prevention, and safe deposit boxes.

Product overview

Zions First National Bank operates as a regional community bank offering a comprehensive suite of personal banking products organized across checking, savings, loans, credit cards, and digital banking services. The bank provides multiple checking account tiers (Anytime Checking, Gold Account, Military Advantage Checking, OnBudget Banking) and savings options including personal savings, money market accounts, IRA products, and certificates of deposit. Its lending portfolio encompasses personal loans (auto, unsecured, secured, RV), home mortgages (fixed-rate, adjustable-rate, FHA, VA, jumbo, construction, home equity), and a full spectrum of seven credit cards ranging from secured entry-level (Launch Secured Card) to premium (Reserve Credit Card). Digital banking capabilities include online banking, mobile banking, Zelle P2P payments, and digital wallet support via Apple Pay and Google Pay. The bank also offers supplementary services including insurance, foreign currency exchange, student banking, military banking programs, and fraud prevention tools. The bank positions itself as a community-focused institution with educational resources and localized banking support.

Differentiator

Problem solved

Functional benefit

Products and services

• Anytime Checking Basic personal checking account with unlimited transactions and standard banking features for everyday retail banking customers.
• Gold Account Premium personal checking account with elevated features, curated service, and enhanced benefits for customers seeking a higher level of banking experience.
• Military Advantage Checking Specialized checking account designed for military service members with tailored benefits and services.
• OnBudget Banking Banking solution designed to help customers manage their finances and stay on budget.
• Personal Savings Account Basic savings account for building emergency funds and achieving personal financial goals.
• Money Market Savings account with competitive interest rates for customers with higher balances seeking liquid access to funds.
• IRA Money Market Individual Retirement Account combining money market features with tax-advantaged retirement savings.
• Young Savers Savings account designed for children and young adults to encourage early savings habits, including the Zions Pays for A's reward program.
• IRA CD Individual Retirement Account Certificate of Deposit offering tax-advantaged retirement savings with fixed rates.
• Certificates of Deposit Time deposit accounts with guaranteed returns and fixed terms for customers seeking stable, low-risk growth.
• Auto Loan Financing for purchasing new or used vehicles with competitive rates and flexible terms.
• Personal Unsecured Loan Loan for personal expenses without requiring collateral, based on creditworthiness.
• Personal Line of Credit Revolving credit facility providing flexible access to funds as needed, paying interest only on amounts used.
• Personal Secured Loan Loan backed by collateral such as savings or CD accounts, offering lower rates for customers with less established credit.
• RV Loan Financing for recreational vehicles including motorhomes, travel trailers, and campers.
• Affordable Home Loan Mortgage product designed for first-time homebuyers and those with limited down payment resources, offering accessible financing options.
• Fixed Rate Mortgage Traditional mortgage with a locked interest rate for the life of the loan, providing predictable monthly payments.
• Adjustable Rate Mortgage Mortgage with an interest rate that adjusts periodically based on market conditions, offering lower initial rates.
• FHA Mortgage Government-backed mortgage insured by the Federal Housing Administration, designed for first-time buyers with lower down payment requirements.
• VA Mortgage Loan Home loan program for eligible veterans and service members, often featuring favorable terms including no down payment or PMI.
• Home Equity Line of Credit Revolving credit line using the borrower's home equity as collateral, providing flexible access to funds for major expenses.
• Home Equity Loan Lump-sum loan secured by home equity, ideal for one-time major expenses like home renovations or debt consolidation.
• Construction Loan Short-term financing for building a new home, converting to a permanent mortgage upon completion.
• Jumbo Loan Mortgage exceeding conforming loan limits for higher-value properties, requiring different qualification criteria.
• Agility Cash Credit Card Credit card offering cash back rewards with flexible redemption options.
• Clarity Credit Card Credit card designed for straightforward, transparent banking with clear terms and no hidden fees.
• Vivid Rewards Credit Card Rewards credit card offering points or miles on purchases.
• Launch Secured Card Secured credit card designed for individuals building or rebuilding credit, requiring a deposit as collateral.
• Premier Credit Card Mid-tier credit card offering enhanced benefits and rewards for qualified applicants.
• Elite Credit Card Premium credit card with extensive benefits, higher credit limits, and exclusive perks.
• Reserve Credit Card Top-tier credit card offering exclusive travel benefits, concierge services, and premium rewards.
• Personal Insurance Insurance products including personal property, liability, and other coverage options to protect customers' assets.
• Foreign Currency Services Currency exchange and international currency services for customers traveling abroad or conducting foreign business.
• Online Banking Web-based platform enabling customers to manage accounts, view transactions, transfer funds, and pay bills via desktop browser.
• Mobile Banking Smartphone application providing secure access to banking services including account management and mobile deposits.
• Treasury Gateway Digital commercial banking platform for business customers to manage finances, wire transfers, and treasury operations.
• Safe Deposit Box Secure physical storage rental for valuables, important documents, and irreplaceable items.

Quantifiable outcome

• 230,000+ K-12 students educated on financial topics since 2002
• +2 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationVisa debit card integration enabling Zions Bank customers to use Visa-branded debit cards for point-of-sale transactions, ATM withdrawals, and online purchases globally.
• Apple PaycoreTechnology or IntegrationMobile payment integration allowing Zions Bank customers to add their cards to Apple Pay for contactless payments using iPhone and Apple Watch devices.
• Google PaycoreTechnology or IntegrationMobile payment integration enabling Zions Bank customers to add cards to Google Pay for Android device contactless payments.
• ZellecoreTechnology or IntegrationReal-time peer-to-peer payment integration within digital and mobile banking platforms, enabling customers to send money to friends and family directly from their bank accounts.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/zionsbank
• YouTubeyoutube.com/user/ZIONSBANK
• Facebookfacebook.com/ZionsBank
• LinkedInlinkedin.com/company/zions-bank
• Instagraminstagram.com/zionsbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments11 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zions First National Bank