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Secured Site

First, tell us about yourself

Enter your name as it appears on your government issued ID. Avoid using periods and commas as they will not be captured.

We will use email to communicate updates on your application status and may contact you for additional information if needed. Please provide an email address you check frequently.

Read our Privacy Notice for more detailed information.

This should be the best possible phone number to reach you at, whether that be your home or mobile number.

We may need your phone number regarding the opening or servicing of your account. We may also use your phone number for other purposes allowed by law or the terms of our Privacy Notice. Message and data rates may apply.

Read our Privacy Notice for more detailed information.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

We need to verify your identity

Your date of birth will be used to verify your identity.

Your Social Security number will be used to verify your identity. When you submit your application online, all information will be encrypted.

If you don't have a Social Security number, we are unable to open your account via our online channel. Please visit your local branch to open an account.

Let's gather your address

Banking regulations require us to collect your physical address to verify your identity. Please enter your entire street address including apt # or suite. For example: 1234 Main St Apt #12

There is a maximum limit of 40 characters. PO boxes can be entered for the mailing address only.

A mailing address is only needed if you receive mail at an address different from your physical, street address (i.e. PO Boxes).

We need to verify your %[type] address

It looks like your %[type] address is not an exact match with U.S. Postal Service records. Please review the suggested options below.

Suggested Address
2200 S 3270 W
Salt Lake City, UT 84119
USE THIS ADDRESS
Suggested Address
2200 N 3270 W
Salt Lake City, UT 84119
USE THIS ADDRESS
Address Entered
2200 3270 W
Salt Lake City, UT 84119
Here we will ask about your employment

Banking regulations require that we know our customers and where their money comes from.
If "Self-Employed," please identify your line of business.
If "Retired," please identify your previous occupation.
Example: Instead of "Self-Employed" enter "Photographer"

Your employer will not be contacted. Banking regulations require that we know our customers and where their money comes from.
If "Self-Employed," please enter your company name.
If "Retired," please identify your previous employer.

Let's make sure we include everyone
Great, let's gather the next applicant's information

This section must be completed by the joint applicant.

Enter your name as it appears on your government issued ID. Avoid using periods and commas as they will not be captured.

We will use email to communicate updates on your application status and may contact you for additional information if needed. Please provide an email address you check frequently.

Read our Privacy Notice for more detailed information.

This should be the best possible phone number to reach you at, whether that be your home or mobile number.

We may need your phone number regarding the opening or servicing of your account. We may also use your phone number for other purposes allowed by law or the terms of our Privacy Notice. Message and data rates may apply.

Read our Privacy Notice for more detailed information.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

%[Joint], we need to verify your identity.

Your date of birth will be used to verify your identity.

Your Social Security number will be used to verify your identity. When you submit your application online, all information will be encrypted.

If you don't have a Social Security number, we are unable to open your account via our online channel. Please visit your local branch to open an account.

%[Joint], let's gather your address

Banking regulations require us to collect your physical address to verify your identity. Please enter your entire street address including apt # or suite. For example: 1234 Main St Apt #12

There is a maximum limit of 40 characters. PO boxes can be entered for the mailing address only.

A mailing address is only needed if you receive mail at an address different from your physical, street address (i.e. PO Boxes).

We need to verify your %[type] address

It looks like your %[type] address is not an exact match with U.S. Postal Service records. Please review the suggested options below.

Suggested Address
2200 S 3270 W
Salt Lake City, UT 84119
USE THIS ADDRESS
Suggested Address
2200 N 3270 W
Salt Lake City, UT 84119
USE THIS ADDRESS
Address Entered
2200 3270 W
Salt Lake City, UT 84119
%[Joint], here we will ask about your employment

Banking regulations require that we know our customers and where their money comes from.
If "Self-Employed," please identify your line of business.
If "Retired," please identify your previous occupation.
Example: Instead of "Self-Employed" enter "Photographer"

Your employer will not be contacted. Banking regulations require that we know our customers and where their money comes from.
If "Self-Employed," please enter your company name.
If "Retired," please identify your previous employer.

Last chance to review your information

Any incorrect information after this point could affect your ability to open an account

Contact Information
Cancel Edit

This should be the best email address to reach you at. Read our Privacy Policy for more detailed information.

This should be the best possible phone number to reach you, whether that be your home or mobile number.

Your phone number will only be used if we need to contact you regarding any of your accounts with %[affiliate] or if the need to service any of your accounts arises. Test messaging or prerecorded voicemails may be used but your phone number will never be disclosed to third parties.

Message and data rates may apply. Read our Privacy Policy for more detailed information.

Personal Information
Cancel Edit
Street Address
Cancel Edit
Mailing Address
Cancel Edit
Employment
Cancel Edit
Contact Information
Cancel Edit

This should be the best email address to reach you at. Read our Privacy Policy for more detailed information.

This should be the best possible phone number to reach you, whether that be your home or mobile number.

Your phone number will only be used if we need to contact you regarding any of your accounts with %[affiliate] or if the need to service any of your accounts arises. Test messaging or prerecorded voicemails may be used but your phone number will never be disclosed to third parties.

Message and data rates may apply. Read our Privacy Policy for more detailed information.

Personal Information
Cancel Edit
Street Address
Cancel Edit
Mailing Address
Cancel Edit
Employment
Cancel Edit

Please confirm your information - this is your last chance to review this information

Clicking 'Next' starts our review process - this may take a few moments

We apologize but %[Joint] is not eligible at this time

We are required to check with other banks to make sure there are no holds or outstanding negative balances. If you have questions please call 1-800-234-5678

We apologize, but you are not eligible at this time

Adverse Action Notice:

Based on information provided by ChexSystems Inc., a consumer reporting agency, we, the Bank, are unable to open your account at this time. You may contact ChexSystems to order a copy of your report by telephone using their Voice Response Unit at 800-428-9623, by mail at ChexSystems, Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN 55125, by fax at 602-659-2197 or by submitting an online form. You may also request a copy of your consumer report by visiting www.earlywarning.com/consumer.

 

The decision to open or decline an account is entirely up to the Bank and its established policies and procedures. ChexSystems neither approves nor declines accounts for participating financial institutions. State and federal laws provide that, within 60 days, you have the right to obtain, from ChexSystems, a free copy of the consumer information that the Bank relied upon for its decision. In addition, you may have the right to dispute the accuracy or completeness of any information contained in this consumer report by notifying ChexSystems directly.

 

If you have any questions please visit a branch.

We apologize, but you are not eligible at this time

We are unable to continue with the online account opening process at this time. The reason for decline could include:

 

• Your Social Security number does not match the one on file with Experian

• Your date of birth does not match the one on file with Experian

• Your address does not match the one on file with Experian

 

For assistance please visit one of our branch locations.

%[Joint], we apologize; you are not eligible at this time

Adverse Action Notice:

Based on information provided by ChexSystems Inc., a consumer reporting agency, we, the Bank, are unable to open your account at this time. You may contact ChexSystems to order a copy of your report by telephone using their Voice Response Unit at 800-428-9623, by mail at ChexSystems, Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN 55125, by fax at 602-659-2197 or by submitting an online form.

 

The decision to open or decline an account is entirely up to the Bank and its established policies and procedures. ChexSystems neither approves nor declines accounts for participating financial institutions. State and federal laws provide that, within 60 days, you have the right to obtain, from ChexSystems, a free copy of the consumer information that the Bank relied upon for its decision. In addition, you may have the right to dispute the accuracy or completeness of any information contained in this consumer report by notifying ChexSystems directly.

 

If you have any questions please visit a branch.

We apologize; one of the applicants is not eligible

We are unable to continue with the online account opening process at this time with:

%[JointFull]

We apologize, but we are unable to process your application online at this time

Please visit one of our branch locations for assistance opening a new account.

%[Primary], we need to verify your identity.

These questions are for identity verification only and will not be used for any marketing purposes.

%[Joint], we need to verify your identity

These questions are for identity verification only and will not be used for any marketing purposes.

Thank you for your interest in opening an account with %[affiliateName].

Sorry, we are experiencing technical difficulties

We apologize for the inconvenience, but due to an unexpected technical issue, we are currently unable to continue.

Please try back later

Sorry, this product is not available

We apologize for the inconvenience, but the product you've selected is no longer available.

Please visit us at %[affiliatePublicSiteUrl] or go to a branch to find our products that are best for you.

%[Primary], banking regulations require that we know our customers

Banking regulations/USA PATRIOT Act require that we know our customers. Understanding their expected account activity is one of the ways we do this.

  • wire transfer(s)
  • physical cash transaction(s) exceeding $5,000

Banking regulations require more due diligence around business owners, officers and major stockholders based on certain lines of business.

PATRIOT Act

Since September 11, 2001, the U.S. government and our regulators require us to obtain additional information in order to satisfy the requirements of the USA PATRIOT Act and to ensure the safety of your money, and soundness of %[affiliateName] and the banking system.

%[Joint], now we'll ask you the same questions

Banking regulations/USA PATRIOT Act require that we know our customers. Understanding their expected account activity is one of the ways we do this.

  • wire transfer(s)
  • physical cash transaction(s) exceeding $5,000

Banking regulations require more due diligence around business owners, officers and major stockholders based on certain lines of business.

PATRIOT Act

Since September 11, 2001, the U.S. government and our regulators require us to obtain additional information in order to satisfy the requirements of the USA PATRIOT Act and to ensure the safety of your money, and soundness of %[affiliateName] and the banking system.

We apologize but we can not continue at this time

It appears you selected a line of business with which %[affiliateName] does not presently conduct business.

We apologize but we can not continue at this time

Based on your line of business, you will need to visit your local branch to apply for an account.

%[Primary], get set up for online banking

Please create your login ID and password here

Login ID

  • Case-sensitive
  • Between 4 and 13 characters
  • No spaces
  • No invalid special characters (: % * ! ; | ' ¢)
  • Cannot be your Social Security number

Password

  • Case-sensitive
  • Between 8 and 15 characters
  • Contain at least 1 letter and 1 number
  • No spaces
  • No special characters (: % * ! ; | ' ¢)
Let's set up your initial deposit

Transfers are initiated once the account is opened. If additional verification or information is needed we will contact you via the email you provided.

Drop checks off at your local financial center, or mail checks to:
%[affiliateMailingAddress]

To wire funds, please call us at:
%[affiliatePhoneNumber]

Funds Availability Notice (for this transfer): For existing customers, funds will ordinarily be available for withdrawal on the 3rd business day after the day of your deposit. For new customers, funds will ordinarily be available for withdrawal on the 5th business day after the day of your deposit. You are a “new” customer if you have not had a deposit account at the %[affiliateName] division of Zions Bancorporation, N.A. during all of the previous 30 days. You will receive an email notifying you of the day of your deposit. Business days are Monday through Friday, except federal and state legal holidays.

Please provide your account details

The account number is the second set of numbers at the bottom of your checks.

Example of Account Number on a check.

The routing number is the first set of numbers at the bottom of your checks.

Example of Routing Number on a check.

Let's determine the deposit amount for your %[affiliateSelectedProduct0] account

Minimum $50.00

Next, select your %[affiliateSelectedProduct0] account options

Debit Card Overdraft Service is a service in which we may (at our discretion and for a fee) pay ATM and one-time debit card transactions that cause an overdraft in your account. In the absence of enrollment in Debit Card Overdraft Service, we generally (but are not required to) decline payment of those transactions.

Click "Read" button for important Debit Card Overdraft Service details.

Debit Card Overdraft Service

READ

The maturity date on your new [CD|IRA CD] will be: [mm/dd/yyyy]

Let's determine the deposit amount for your %[affiliateSelectedProduct1] account

Minimum $50.00

Next, select your %[affiliateSelectedProduct1] account options

Debit Card Overdraft Service is a service in which we may (at our discretion and for a fee) pay ATM and one-time debit card transactions that cause an overdraft in your account. In the absence of enrollment in Debit Card Overdraft Service, we generally (but are not required to) decline payment of those transactions.

Click "Read" button for important Debit Card Overdraft Service details.

Debit Card Overdraft Service

READ

The maturity date on your new [CD|IRA CD] will be: [mm/dd/yyyy]

Let's determine the deposit amount for your %[affiliateSelectedProduct2] account

Minimum $50.00

Next, select your %[affiliateSelectedProduct2] account options

Debit Card Overdraft Service is a service in which we may (at our discretion and for a fee) pay ATM and one-time debit card transactions that cause an overdraft in your account. In the absence of enrollment in Debit Card Overdraft Service, we generally (but are not required to) decline payment of those transactions.

Click "Read" button for important Debit Card Overdraft Service details.

Debit Card Overdraft Service

READ

The maturity date on your new [CD|IRA CD] will be: [mm/dd/yyyy]

Here are your Terms & Disclosures

Please take a few moments to review the legal Terms & Disclosures below

Electronic Consent

READ

Deposit Account Agreement

READ

Product Rates

READ

* This is a variable rate, interest bearing account and the interest rate and Annual Percentage Yield (APY) may change any time at the Bank's discretion. Fees may reduce earnings on the account.

PRINT Rate Table

Fee Schedule

READ

Digital Banking Agreement

READ

External Transfer

READ

Debit Card Overdraft Service

READ

eStatements & eNotices

READ

Privacy Notice

READ

You opted to fund your new %[affiliateName] account by Electronic Funds Transfer (ACH). By checking the box below, you authorize us to electronically:

READ
  • Fund your new %[affiliateName] account by transferring the initial deposit amount from the non-%[affiliateName] account ("External Account") that you previously specified;
  • Verify your External Account by making 2 test deposits totaling under $1, and withdrawing an equal or lesser amount; and
  • Make any correcting or adjusting entries to your %[affiliateName] account or External Account.

Click "Read" button for important authorization details and funds availability.

By selecting one of the statements below and clicking the 'Open My Account' button below, I authenticate and verify my Social Security number and agree to the following statement:

Under penalties of perjury I certify that:

  1. %[SSN] is my correct Taxpayer identification number
  2. My backup withholding status is:
  3. I am a U.S. citizen or other U.S. person
  4. I am not subject to FATCA reporting

The Internal Revenue Service (IRS) does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

Why is this needed?

(Tax Certification)

We maintain IRS required W9 tax forms for all accounts and need you to verify that the information provided is accurate. 

What is backup withholding?

Backup withholding is an amount or portion of interest, from your account(s), that we may be required to pay the IRS on your behalf. If you are subject to backup withholding, you would have been contacted by the IRS.

What is FATCA?

The Foreign Account Tax Compliance Act (FATCA) is an important development in U.S. efforts to combat tax evasion by U.S. persons holding accounts and other financial assets offshore.

Thank you.

Your Next Steps Could Include:

  1. Print this page. For security reasons, your account number will not be provided later.
  2. Setup Direct Deposit. Provide your employer with the above account number and our routing number %[affiliateRoutingNumber].
  3. Read your welcome email that we will send you shortly and follow the instructions for funding your account.
  4. Your debit card will be mailed to you within 3 to 5 business days after your account is funded and will arrive in a plain envelope.
  5. Any additional next steps will be emailed to the email provided. Please check your Junk Mail if you have not seen an email within the next few minutes.

Estimated Time:

5-10 MIN.