A modern approach to business checking
You shouldn’t be nickeled-and-dimed for simple banking features
No minimum balance requirements, monthly account fees, or transaction fees
Internal and external transfers via linked accounts or ACH
Earn interest on balances
FDIC insured up to $250,0001
How does ZiFi® Business Checking compare?
| Features |
|---|
Easy Online Application |
No monthly fees |
No account fees |
No minimum balance requirement |
Link external accounts for easy transfers |
FDIC insured |
Dedicated relationship manager |
Intuitive dashboard & mobile experience |
Send & accept ACH payments |
Dedicated business mobile banking app |
Debit cards for every signer |
 |
|---|
| Traditional Business Bank Accounts |
|---|
| Typical FinTechs |
|---|
Get at-cost Merchant Services with ZiFi Business Checking2,3
ZiFi customers have an average effective rate between 1.51% and 2.09%4
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 $250,000
Easy-to-use ZiFi Debit Card
Easy-to-use ZiFi Debit Card
ZiFi Business Checking includes a debit card that can be used for purchases or at ATMs
Use virtual payment methods, like Apple Pay®5 or Google Pay™6 or a physical card
Access to any PULSE®7 or INTERLINK®8 ATM network*
Get dedicated business insights about your spending
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) 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.
(2) 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.
(3) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by Zions Bank, 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.
(4) The values calculated are estimates only and do not constitute guaranteed rates. Actual savings may vary.
(5) Apple Pay® is a registered trademark of Apple, Inc.
(6) Android™ and Google™ are trademarks of Google, Inc.
(7) PULSE is a registered trademark of Pulse Network LLC, Houston, TX.
(8) The Visa trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the “Trademarks”) are Trademarks owned by Visa International Service Association.
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