26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 8, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Zions Bancorporation, N.A.’s own schedules, with a source for each figure.
per item
per item
per year
per year
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee | $25 | Not stated | None |
| Dormant Account | No charge | Not stated | None |
| Services: Paper Statements | $3 | Not stated | None |
| Excessive Withdrawal Fee - Money Market | $15 | Not stated | None |
| Excessive Withdrawal Fee - Savings | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee - Paid Items | $29 | Not stated | None |
| Insufficient Funds (NSF) Fee - Returned Items | No charge | Not stated | None |
| Overdraft Deposit Transfer Fee | $10 | Not stated | None |
ATM & Card | |||
| Non-Zions Bank Networks ATM Inquiry | $2.50 | per item | None |
| Non-Zions Bank Networks ATM Transaction | $2.50 | Not stated | None |
| Debit Card Replacement Overnight Card Fee (Expedited Card Delivery) | $25 | Not stated | None |
| Debit Card Replacement Same Day Card Fee (Expedited Card Delivery) | $39 | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic Outgoing | $27 | per item | None |
| Wire Transfers: Domestic Incoming | $15 | per item | None |
| Wire Transfers: International Outgoing | $50 | per item | None |
| Wire Transfers: International Incoming | $18 | per item | None |
Check Services | |||
| Cashier's Checks: Customer | $8 | per item | None |
| Cashier's Checks: Non-Customer | $8 | Not stated | None |
| Online Stop Payment | $20 | Not stated | None |
| Stop Payment | $30 | Not stated | None |
| Check Cashing Fee - Non Customer | $8 | per item | None |
| Canadian Check Clearing Fee | $10 | per item | None |
| Foreign Collection Item | $50 | per item | None |
| Check Copy | $3 | per item | None |
| Check Images | No charge | Not stated | None |
Digital & Electronic | |||
| Online Access with Bill Pay | No charge | Not stated | None |
Account Services | |||
| Non Customer Notary Fee - Utah | $10 | per item | None |
| Non-Customer Notary Fee - Idaho | $5 | per item | None |
| Box Drilling Fees | $250Not compared: Box drilling or key fee | Not stated | None |
| Box Late Payment Fees | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $100 | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 10x11 | $100 | Not stated | None |
| Safe Deposit Box 10x11 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 10x12 | $100 | Not stated | None |
| Safe Deposit Box 10x12 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 10x16 (audience not stated, treated as personal) | $140 | Not stated | None |
| Safe Deposit Box 10x16 | $140 | Not stated | None |
| Safe Deposit Box 10x9 | $100 | Not stated | None |
| Safe Deposit Box 10x9 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 11x10 | $100 | Not stated | None |
| Safe Deposit Box 11x10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 11x11 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 11x11 | $100 | Not stated | None |
| Safe Deposit Box 12x12 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 12x12 | $100 | Not stated | None |
| Safe Deposit Box 12x16 (audience not stated, treated as personal) | $140 | Not stated | None |
| Safe Deposit Box 12x16 | $140 | Not stated | None |
| Safe Deposit Box 16x11 | $140 | Not stated | None |
| Safe Deposit Box 16x11 (audience not stated, treated as personal) | $140 | Not stated | None |
| Safe Deposit Box 16x16 | $140 | Not stated | None |
| Safe Deposit Box 16x16 (audience not stated, treated as personal) | $140 | Not stated | None |
| Safe Deposit Box 1x4 | $15 | per year | None |
| Safe Deposit Box 1x4 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 1x5 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 1x9 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 21x19 (audience not stated, treated as personal) | $265 | Not stated | None |
| Safe Deposit Box 21x19 | $265 | Not stated | None |
| Safe Deposit Box 2x10 | $35 | Not stated | None |
| Safe Deposit Box 2x10 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 2x4 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 2x5 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 2x9 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 38x21 | $425 | Not stated | None |
| Safe Deposit Box 38x21 (audience not stated, treated as personal) | $425 | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3x10 | $35 | Not stated | None |
| Safe Deposit Box 3x11 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3x11 | $35 | Not stated | None |
| Safe Deposit Box 3x19 | $35 | Not stated | None |
| Safe Deposit Box 3x19 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3x4 | $20 | per year | None |
| Safe Deposit Box 3x4 (audience not stated, treated as personal) | $20 | Not stated | None |
| Safe Deposit Box 3x5 | $20 | Not stated | None |
| Safe Deposit Box 4x10 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 4x10 | $55 | Not stated | None |
| Safe Deposit Box 4x11 | $45 | Not stated | None |
| Safe Deposit Box 4x11 (audience not stated, treated as personal) | $45 | Not stated | None |
| Safe Deposit Box 4x4 | $20 | Not stated | None |
| Safe Deposit Box 4x5 | $25 | Not stated | None |
| Safe Deposit Box 4x5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 4x9 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 5x10 | $55 | Not stated | None |
| Safe Deposit Box 5x11 | $55 | Not stated | None |
| Safe Deposit Box 5x11 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 5x16 | $85 | Not stated | None |
| Safe Deposit Box 5x16 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 5x19 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 5x19 | $35 | Not stated | None |
| Safe Deposit Box 5x3 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 5x4 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 6x10 (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box 6x10 | $65 | Not stated | None |
| Safe Deposit Box 6x11 | $65 | Not stated | None |
| Safe Deposit Box 6x11 (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box 6x16 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 6x16 | $100 | Not stated | None |
| Safe Deposit Box 6x5 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 7x10 | $85 | Not stated | None |
| Safe Deposit Box 7x10 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 7x16 | $100 | Not stated | None |
| Safe Deposit Box 7x16 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 8x10 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 8x10 | $85 | Not stated | None |
| Safe Deposit Box 9x10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 9x10 | $100 | Not stated | None |
| Legal Process | $100 | Not stated | None |
| Client Verification Letter | $10 | Not stated | None |
| Verification: Third Party Requested Account Verification | $25 | per item | None |
Lending Fees | |||
| Credit Line Late Fee-Idaho | $10 | Not stated | None |
| Credit Line Late Fee-Idaho Greater (audience not stated, treated as personal) | 5%($10 minimum) | Not stated | None |
| Credit Line Late Fee-Utah/Wyoming | $20 | per item | None |
Retirement & IRA | |||
| IRA Trustee to Trustee Transfer | $25 | per item | None |
Other Fees | |||
| Additional Statement Copy | $5 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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