Research consistently shows that consumers value low fees, higher yields and bonuses when choosing a checking account. It’s also important for them to have a user-friendly digital banking experience and wide access to branches and ATMs.
Zions Bank took these priorities into consideration when designing the new Gold Account, a premium checking account that combines low fees, relationship rewards, and everyday banking benefits.
Here are three ways the Gold Account can help maximize your finances and help you save as much as $1,205 in the first year.
1. Mortgage Benefits: Receive Up to $1,000 Toward a New Home Loan
Many economists believe the housing market is poised for a rebalance in 2026. Inventory levels are roughly 20% higher compared to a year ago and buyers have more choices and negotiating power.
If buying a home is a possibility this year, you could receive up to a $1,000 mortgage closing cost credit as a Gold Account holder. Zions Bank offers a variety of mortgages to meet the diverse needs of its clients, including the Affordable Home Mortgage Loan.
2. Credit Card Bonus: Earn an Unlimited 0.25% Annual Reward on Eligible Spending
On average, Americans spend $1,506 each month on their credit cards — or more than $18,000 a year — so why not get more back for it?
The Gold Account offers an unlimited .25% annual bonus on eligible spend each year — in addition to rewards that you may already be earning with your eligible Zions Bank credit card.
For example, if you spend an average of $18,000 a year on your Agility Cash Credit Card and have a Gold Account, you could earn $315 back each year.
3. Everyday Banking Savings: Pay Fewer Fees and Get More Included Services
An overwhelming number of consumers prioritize banks with low fees and practical, everyday benefits.
Gold Account holders enjoy the following advantages:
- Unlimited ATM withdrawals at all ATMs nationwide for no charge, including refunds of other banks’ ATM withdrawal fees
- No fees for cashier's checks purchased from your Gold Account, stop payments on checks drawn on your Gold Account, and domestic and international wires into your Gold Account.
- $0 for rent on 3x5 or smaller safe deposit box (where available) or up to $20 discount on larger box sizes on annual rent.
- No charge for Zions Bank single wallet or duplicate style checks. 45% discount on other check designs, exclusions apply. Single wallet checks typically cost between $20-$50 for a box of 80-100 checks.
- Loan rate discounts of 0.50% on new consumer loans.
- Higher interest rates on your linked savings and money market accounts.
- Free credit score monitoring. Paid credit monitoring services typically cost between $120-$480 annually.
By leveraging the benefits of your Gold Account, you could save as much as $1,205 in your first year of opening your account. Your savings could be even more if you take advantage of earning higher rates on your linked savings and money market accounts and obtain discounted consumer loans.
If you’re ready to mine the gold in this account, you can apply online in as little as five minutes or visit your local Zions Bank branch.
Gold Checking Account FAQs
What types of rewards come with a Gold Checking Account?
Gold Checking Account holders may receive mortgage closing cost credits, annual credit card spend bonuses and discounts on everyday banking services.
Do Gold Checking Account benefits apply to other Zions Bank products?
Yes. Many benefits extend to linked savings, money market accounts, loans and eligible accounts through Zions Bank.
Is there a minimum opening deposit to open a Gold Checking Account?
The minimum opening deposit is $50.
How do I open a Zions Bank Gold Checking Account?
You may apply online in just a few minutes or visit a local Zions Bank branch to speak with a banker about eligibility and benefits.