Digital + People
who have your back
We're not just a bank—we’re your partner in success. Experience the difference ZiFi® can make for your small business.
What Makes ZiFi® Different?
Transparent &
Affordable
We believe you shouldn’t have to pay a lot to get paid or manage your finances
Dedicated
Banking Team
Self-service technology with the support of a dedicated team of banking professionals
Digital
Banking Tools
Custom-built digital technology, providing modern financial tools tailored for small businesses
At-cost Merchant Services with Business Checking from ZiFi1, 2
ZiFi customers have an average effective rate between 1.51% and 2.09%.3
More savings with simplified, transparent pricing and no hidden fees.
One of the most competitive pricing models in the U.S.
FDIC insured checking account up to $250,0004
At-cost Merchant Services with Business Checking from ZiFi1, 2
ZiFi customers have an average effective rate between 1.51% and 2.09%.3
More savings with simplified, transparent pricing and no hidden fees.
One of the most competitive pricing models in the U.S.
FDIC insured checking account up to $250,0004
At-cost Merchant Services with Business Checking from ZiFi1, 2
ZiFi customers have an average effective rate between 1.51% and 2.09%.3
More savings with simplified, transparent pricing and no hidden fees.
One of the most competitive pricing models in the U.S.
FDIC insured checking account up to $250,0004
Want personalized support? We've got your back.
With ZiFi you work with a dedicated relationship manager to assist you personally, whatever your business needs
MATTHEW
RONNOW
RELATIONSHIP
MANAGER
MADDY
CHUKS-PUENTES
RELATIONSHIP
MANAGER
LEXI
OLSEN
RELATIONSHIP
MANAGER
Simple. Modern. Convenient.
Digital business banking with more control to save you time
Apply online from anywhere in about 15 minutes
Link external accounts for easy transfers
Enable multi-user access to help manage your banking needs
Simple. Modern. Convenient.
Digital business banking with more control to save you time
Apply online from anywhere in about 15 minutes
Link external accounts for easy transfers
Enable multi-user access to help manage your banking needs
Simple. Modern. Convenient.
Digital business banking with more control to save you time
Apply online from anywhere in about 15 minutes
Link external accounts for easy transfers
Enable multi-user access to help manage your banking needs
See how ZiFi compares to other digital banks5
 Banking Services & Features |
|---|
Personal Dedicated Banker |
Built By a Bank |
No-fee Deposit Accounts |
Payments With No Transaction Fees |
Deposits & Transfers With No Transaction Fees |
Debit Cards |
Credit Cards |
Loans |
Online and Mobile Bill Pay |
ACH Payments |
External Transfers |
Mobile App |
Wire Transfers (Domestic and International) |
 Card Acceptance (Merchant Services) |
Effective Rate Between 1.51 - 2.09% |
Virtual Terminal |
Physical Terminal |
 |
|---|
Coming Soon! |
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| Digital Bank 1 |
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| Digital Bank 1 |
| Digital Bank 2 |
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| Digital Bank 2 |
| Digital Bank 3 |
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| Digital Bank 3 |
These features are updated as of June 7, 2024.
Looking for banking that fits your business?
A division of Zions Bancorporation, N.A. Member FDIC
An award-winning bank for Small Business
© 2025 Zions Bancorporation, N.A. All Rights Reserved
Equal Housing Lender
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Contact Us
800-341-7303
Routing Number
124002829
NMLS Registry
#467014
(1) Subject to program qualification. Not available in every state. Offers available 7/1/2025 to 12/31/2025 and are subject to change. Terms and conditions apply. See a banker for full details.
(2) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by ZiFi, a division of Zions Bancorporation, N.A. Member FDIC.
© 2025 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover Network, LLC., and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
(3) The example values displayed are based on averages and do not constitute guaranteed rates. Actual savings may vary.
(4) Deposits that a person or entity maintains in the same ownership category at any division of Zions Bancorporation, N.A., including ZiFi, are added together and insured up to at least $250,000.
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