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RELATIONSHIPS STILL MATTER

Elevated Business Banking

Digital Small Business Banking + People Who Have Your Back1

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Hi, weʼre ZiFi®

Born from a deep respect for small businesses and a clear understanding of their challenges.

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The Banking Experience You Deserve

Small business solutions, dedicated banking support, and transparent pricing designed to help your business keep more and grow faster. ZiFi brings together the strengths of banking you want without the trade-offs you donʼt.

Venn diagram showing ZiFi at the intersection of other common banking solutions
national “big box” banks
NATIONAL "BIG BOX" BANKS

Sophisticated banking with limited small business focus

  • National presence(included)
  • Brands you trust(included)
  • Modern technology(included)
  • Impersonal service(not included)
  • Fees for basic banking(not included)
  • Limited solutions for SMBs(not included)
community & regional banks
community & regional banks

Personal relationships with limited reach and technology

  • Dedicated local support(included)
  • Strong community ties(included)
  • Limited geographic access(not included)
  • Outdated technology(not included)
  • Fees for basic banking(not included)
  • Limited solutions for SMBs(not included)
financial technology companies
financial technology companies

Sleek technology without full-service banking

  • Intuitive digital platforms(included)
  • Easy online onboarding(included)
  • Lower cost structures(included)
  • Limited access to bankers(not included)
  • Not a full-service bank(not included)
  • Minimal support as you grow(not included)

Now, there’s ZiFi

The Solutions You Want With People Who Care

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Built on 150+ Years of Trust

A bold new venture backed by Zions Bancorporation, N.A. Member FDIC. This legacy of trust and financial strength is how we deliver innovation without sacrificing stability.

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woman in multi-colored dress

THE FUTURE OF SMALL BUSINESS BANKING

Why ZiFi™?

Weʼve combined cutting-edge technology with a deeply human banking experience. ZiFi isnʼt a startup experimenting with your money, weʼre a modern evolution of banking designed to help small businesses thrive.

 

A banking experience thatʼs transparent, intuitive, and tailored to the way you work. Our approach is simple: elegant tools, real bankers, and personalized guidance when you need it. Business banking that is digital-first, but never digital-only. Our team of real people, who understand small business, are ready to support your journey.

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  • Small Business-Focused
  • Fee-Free Digital Banking²
  • Real People
  • Simple Tools
  • Modern Technology

Redefining Digital Small Business Banking

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Designed Around You

Simple, secure banking and small business-focused resources in the ZiFi mobile app.

customer viewing laptop screen

More Than Just Banking

Fuel your growth with real-time tools, strategic guidance, and personal insights that align your finances with your goals.

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Banking Thatʼs Different

Our mission is to understand you — your drive, your business, and your vision. At ZiFi, youʼre not a data point, youʼre our inspiration.

It Pays to Bank With ZiFi

Built to help your small business earn more, save more, and keep more.
See below for other ways your small business can benefit.1

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ZiFi Business Savings

Fee-free digital banking with a premium interest rate on Business Savings account balances.2,3

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$250 per year in annual earnings1,3

customer paying on a tablet

At-Cost Payment Processing

No hidden markups or fees. Just pay card interchange rates + 9¢ for processing ― thatʼs it!4,5

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$5,700 per year in annual savings4,5

We’re Here to Support You

Reach out to our team of dedicated business bankers for personalized support or check our FAQs for answers to the most common questions about ZiFi. 

Contact UsFAQs
ZiFi Logo
THE BANK THAT PAYS™
A division of Zions Bancorporation, N.A. Member FDIC
An award-winning bank for Small Business
Equal Housing Lender
© 2026 Zions Bancorporation, N.A. All Rights Reserved
Contact Us
800-341-7303
support@ZiFi.com
Routing Number
124002829
Privacy Statement SMS Terms of Use Agreement Center Do Not Sell My Personal Information

(1) Subject to program qualification. Not available in every state. Any offer is subject to change. Any rates presented or values calculated are estimates only and do not constitute guaranteed savings, rates or other monetary benefit. Any specifically stated amount of interest earned, interest rate(s) or savings may vary. Terms and conditions apply. See a Banker for full details. Please refer to the Deposit Account Agreement, account disclosure, ZiFi Business Banking Deposit Rate Sheet and the ZiFi Business Accounts Schedule of Fees, or speak with a Banker for more details.

 
(2) Any savings estimate provided in connection with ZiFi digital banking fees is based on competitor monthly or annual pricing for base subscription or standard fees of $25 per month, annualized. Standard fees are defined as setup fees, account fees, monthly fees, digital transaction fees, subscription fees, and deposit fees. Fee-free digital banking means that our ZiFi mobile and online banking services are currently provided at no cost. However, this does not include third party fees such as internet service provider fees or data and message fees. Also, certain account-specific transaction activity fees, that could occur for transactions conducted through or outside of digital banking, may still apply. Please refer to the Business Accounts Schedule of Fees. Any offer is subject to change.

 
(3) Rates are variable and can change at any time. Any estimated annual earnings applies to the ZiFi Business Savings account, which assumes a daily balance of $10,000, and an interest rate of 2.5%.

 

(4) Any savings estimate provided in connection with payment card processing are based on the average monthly savings of current ZiFi customers compared to their previous providers and are projected on an annual basis. Actual savings may vary. Interchange rates are set solely by the payment card networks (e.g., Visa, Mastercard, American Express, Discover) and are publicly published by those networks. These rates may include additional fees or costs assessed by the networks, which ZiFi does not control and which have been disclosed in the pass through fee guide, such as assessment fees, authorization fees, risk and compliance fees, and other applicable pass through fees. Additional third party fees, which may include, but are not limited to, equipment, hardware, or software fees, may also apply.


(5) 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. Additional terms and fees may apply.

 
© 2026 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.

 

🔗 For your convenience, ZiFi may provide links to third-party service providers. ZiFi’s website and/or mobile terms, privacy and security policies don't apply to those sites or apps. Please review their terms, privacy, and security policies to see how they apply to you. ZiFi isn’t responsible for (and doesn’t provide) any products, services or content at those third-party sites or apps, except for products and services that explicitly carry the ZiFi name.