Important Account Disclosures
7. ATM Charges – An ATM charge of $2.50 applies to withdrawals conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Other bank or ATM operator fees may also apply to any transaction conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Select Checking accounts include waivers of CB&T ATM fees and/ or rebates of charges from the use of non-Zions Bancorporation, N.A. ATMs. International ATM transactions are not waived or rebated. Please see Personal Accounts Schedule of Fees for additional ATM fee details. 8. Overdraft Protection Services: When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a designated, eligible linked deposit account or credit reserve line (subject to credit approval). Subject to minimum transfer amount. 9. Maintenance Fee Waiver – In order to avoid a monthly maintenance fee, the balance requirement must be met. The monthly maintenance fee amount is provided as part of the disclosures upon account opening. 9a. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly maintenance fee will be assessed. 9b. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. 9c. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts. 9d. Direct Deposit: A direct deposit is an electronic credit to your account. Transfers from one account to another or deposits made at a banking center do not qualify as a direct deposit. All direct deposits made during the statement month are added together to determine the total direct deposit amount used to waive the monthly maintenance fee. 9e. A qualifying credit may include any of the following: ATM check or ACH direct deposit, an ATM transfer from your checking to the savings or banker. 10. All debit and credit card purchase transaction counts are added together to waive the monthly maintenance fee. Debit and credit card purchases must post and clear your account in order to be counted for the monthly maintenance fee waiver, and must be made within the past 30 days of your statement cycle. Credit cards subject to credit approval. 11. Age-based Waiver – Anytime Checking discounts/waivers are open only to customers age 18-25. At age 26, the discount/ waiver will automatically expire. Checking accounts are not available for ages 17 and under. Please refer to your Account Disclosure document(s) for complete information.Young Savers waivers are open only to customers age 25 and under. Minors must be at least 16 years old to sign on a savings account with a parent or guardian. This benefit does not extend to secondary account holders.
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