Zions Bank

Does Zions Bank have Zelle? Yes. Zions Bank customers send and receive Zelle payments in Digital Banking and the mobile app, and the bank charges nothing to send, receive or request money. Standard Zelle payments are capped at $2,000 a day and $5,000 per rolling 30 days. Domestic wires cost $27 to send and $15 to receive; online wires must be in by 4:00 PM MT (6:00 PM ET).

At a glance

• ZelleYes, in Digital Banking and the mobile app, no charge
• Zelle limits$2,000 a day and $5,000 per 30 days for standard payments; $5 minimum
• Domestic wire out$27
• Incoming wire$15 domestic, $18 international
• International wire out$50, in a branch or through Central Wires
• Wire cutoff4:00 PM MT (6:00 PM ET) for Digital Banking wires

Sources: Personal Accounts Schedule of Fees · Zelle and Other Payment Services Terms of Service · Digital Wire Transfers · Checked on October 2, 2026

Zelle at Zions Bank

You enroll in Zelle inside Zions Bank Digital Banking or the mobile app. The fee schedule lists sending, receiving and requesting money with Zelle at no charge. Zions Bank sets no limit on how much you can receive.

Sending limits for personal accounts depend on the tier the bank gives you:

New users generally start with the standard limits. Tier 2 generally needs at least a year of enrollment and 20 or more successful Zelle payments in the prior year without fraud. Every tier allows 15 payments a day and 30 per rolling 30 days, with a $5 minimum. Zions Bank’s Zelle page quotes a single in-minutes figure of $3,000 a day; the terms of service set the tiers above, and Digital Banking shows the limits that apply to you.

Sources: Zelle and Other Payment Services Terms of Service, June 2025 · Zelle at Zions Bank · Personal Accounts Schedule of Fees, effective September 15, 2025 · Checked on October 2, 2026

Wire transfers at Zions Bank

Domestic wires can be sent in Digital Banking once you sign a separate Wire Application and Agreement for Digital Banking; the bank allows two business days to process it. Digital wires can be scheduled at any time, with a daily cutoff of 4:00 PM MT (6:00 PM ET); later requests go out the next business day. Digital Banking wires are limited to $150,000 a day. International wires are sent in a branch or by calling Central Wires with a Wire Transfer Agreement in place. Lower fees or waivers tied to some accounts may not apply to wires sent in Digital Banking.

Sources: Personal Accounts Schedule of Fees, effective September 15, 2025 · Digital Wire Transfers · Checked on October 2, 2026

If a transfer is late or went wrong

A Zelle payment stuck in pending is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and after fraud, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for bank-to-bank transfers, ACH transfer pending. Contact Zions Bank through the number on your card or in the app.

Zions Bank and its sister banks

Zions Bank is a division of Zions Bancorporation, N.A., a national bank based in Salt Lake City, Utah. The same bank also operates as Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank and Vectra Bank Colorado. Each division enrolls Zelle separately and publishes its own fee schedule; the fees on this page are Zions Bank’s.

Sources: Zelle and Other Payment Services Terms of Service, June 2025 · FDIC BankFind, certificate 2270 · Checked on October 2, 2026

Fees and limits can differ by account type; your account agreement is the final word.