Amen!! I am going to leave them after 35 years. I it’s scary how insensitive andd greedy they have become.  Th values once associated with them are lost and gone. It is a shame thatthe road to hell is paved with zions bank charges.

- Posted on Monday, January 19, 2004 at 1:17 [ Permalink to this comment ]

I agree. They have charged me multiple times on bogus finance charges, and “overdue” payments. I had to call them multiple times, and walk into several branches to get it fixed. Zions bank for the lose

- Posted on Wednesday, September 6, 2006 at 17:27 [ Permalink to this comment ]

They need to revise thier current slogan:

“We haven’t forgotten who keeps us in business”

...to…

“We haven’t forgotten who keeps us in business (becasue we never knew)”

- Posted on Saturday, October 21, 2006 at 0:22 [ Permalink to this comment ]

Yeah! I hate every business that ever gives me bad service ever. Like once the line at the post office was too long, so I stopped using them and got email, but yahoo kept sending me spam, so I hate them. Now I use carrier pidgeons, but they crap on my car too much so screw them. And then theres Wal-Mart they suck, oh and just about every other company in the world, which I am sure at one time has given bad service to someone. So screw them all!

- Posted on Thursday, November 9, 2006 at 0:45 [ Permalink to this comment ]

Never have I been so willing to want to take off to Zion Bank in Utah to ask two people in the car loan department and ask them just who in the hell they think they are telling my wife that we should be soooo greatful that we were accepted by their bank with the poor credit we have. Yes!, we do have bad credit because my wife had breast cancer! They say that this is no excuse!, and we should be lucky and sooo greatful to them? I think by using the word “Zion”, which is really intended to be used by the “Church of Jesus Christ of LDS has gone to their heads!  They are holy then thou us and we should all bow down and kiss their ass! So be very careful people!  When you do business with Zion’s Bank you walk on holy ground!  Ass holes!

- Posted on Wednesday, February 28, 2007 at 13:33 [ Permalink to this comment ]

Yes, Zions sucks.

- Posted on Friday, October 12, 2007 at 15:49 [ Permalink to this comment ]

I just opened a Zion money market account and so far I’m pretty nervous about them.  They do not provide a way to electronically make an initial deposit, so I had to send in a check and was told they’d send me my internet logon information through snail mail once they received the deposit.  It took a week for me to get that information, and I didn’t really like having to wait that long to have visibility to my own money.  Then once I was finally able to log on, I tried to add some external accounts for transfers.  I wasn’t able to do this, according to them, unless I have either Overdraft Protection (which requires a call to Customer Service) or a credit card with them.  So, pretty much just desperate to have access to my own money as soon as possible, I applied for one of their credit cards (just what I need, another credit card I will never use) and who knows when that will be approved and I will be able to add external accounts.  I was in such a hurry I didn’t even think to check for any annual fees on the credit card, which I admit is my own fault.  And yes, they sent me 5 starter checks so I could write a check if I really needed my money.  I guess I’m spoiled from the easy breeziness of my current online bank, from which I defected to get a better interest rate.  Anyway, now that I’ve jumped through all the Zion hoops, their interest rate fell already according to Bankrate.com.  Still one of the highest rates but if I’d known how difficult it would be to initialize the account I would’ve gone somewhere else with a similar rate.  Oh yeah, and the best part is that they don’t disclose anywhere on their online banking site what my interest rate is (my current online bank does which is how I knew I wasn’t getting a competitive rate anymore).  I guess they want to make it difficult for me to find out I’m not getting the rate I signed up for.  From reading the other comments I hope I don’t get approved for the credit card.  Regardless I will probably put my money somewhere else as fast as I can, and with a bank that guarantees their rate for some length of time.  Every bank has its ups and downs but from my very short experience with this bank I’d recommend taking your money somewhere else.

I signed up with another online bank with a guaranteed (for 3 months) interest rate about a week later...not only did they allow an electronic initial deposit, but my logon information arrived within 3 business days and I was immediately able to add an external account for the approval process (them making 2 small deposits and me confirming what they were etc etc).  What a relief.  Oh yeah, and they clearly disclose my current interest rate in my online account information.

- Posted on Sunday, November 11, 2007 at 14:53 [ Permalink to this comment ]

I owned a sub-S corp. and had several lines of credit with Zions.  We ran into financial difficulties in 2002 and could not keep up with payments.  About the same time Zions financed a personal loan for a truck.  In Jan. 2004 they took the truck (the payments on the truck were current) based on a personal guaranty they produced from thin air and a cross-collateral clause in a business line of credit application.  This personal guaranty was obviously filled out and signed by the branch manager who serviced our accounts.  I wrote letter after letter informing them of this fraudulent document with no response. Then in Nov. 2005 they filed suit against me for the business debt (never giving credit for the repo of the truck).  At that point I could not afford an attorney.  I contacted Zions and they told me to file affidavits of forgery-which I did-expecting an investigation by both the bank and law enforcement.  Never happened.  I then filed an answer with the court asserting my claim of fraud.  Nine months later they filed a motion for summary judgment claiming they had mailed me requests for admissions that I had not responded too in the alloted time.  This allowed them to get their judgment without the issue of the forged document ever being examined.  Of course a pro se defendant has no chance in our current judicial system and the court awarded the judgment.  Zions then filed a writ of execution to force the sale of our home and we had to file bankruptcy.
My business deposited over 10 million dollars in Zions accounts over the years and paid off several hundred thousand dollars in loans.  Yes, it is not “we remember who keeps us in business” it’s who can we screw to keep our profits up.  They have no ethics or morals and are adept at deceptive business practices.  They have a large legal department and will take advantage of the court system to screw anyone who can’t fight back.

- Posted on Friday, March 7, 2008 at 2:15 [ Permalink to this comment ]

I work for Zion’s, and I will never bank with them :p Credit Unions are for the win, sucka

- Posted on Saturday, March 8, 2008 at 13:17 [ Permalink to this comment ]

I recently fell on hard times, being laid off and my account went overdraft. I had every intention of getting it back in the green as soon as I could and when I finally had money to go deposit what do ya know.... My account was closed by Zions and they put marks on my credit report. I thought this was the bank that “Hasn’t forgotten who keeps them in business”. What a load. I am glad though, I have that negativity out of my life. Back to good trusty credit unions for me!

- Posted on Monday, April 14, 2008 at 20:32 [ Permalink to this comment ]

People don’t trust banks too much, this is a fact that has become a reality in late years. Why? Because they feel they are cheated… I don’t think this is the truth, we should be more informed before making big financial steps, I think this is the main reason for all this credit “mess” we all complain about. I am currently having a <a href="http://www.bytcs.com/make-money-online/how-to-get-out-of-credit-card-debt.html “>debt settlement</a> process because I was well informed, I hope this will allow me more financial flexibility.

- Posted on Friday, May 2, 2008 at 8:52 [ Permalink to this comment ]

I still work for Zion’s and still won’t bank with them. Truth is they’re just plain unethical.  You think as a teller we want to sell you shit you don’t need?  Oh believe me, our jobs DO depend on it, though… Point me in the direction of a better job, please.  I’m on the lookout.

- Posted on Monday, June 23, 2008 at 1:44 [ Permalink to this comment ]

Some credit card issuers can really be a pain in the ..
Almost look like it’s the internal policy to try to confuse customers and make sure they have no way of canceling the product. I heard about “bad credit” credit cards issuers that have 200$ adhesion fees for a 250$ monthly limit, not the same subject, but banks again trying to exploit people :/

- Posted on Sunday, June 29, 2008 at 2:49 [ Permalink to this comment ]

I have banked with Zions for years and they have been good to me.

I started working for them in 2003 and I have not seen a single instance of unethical conduct.  Shutting down accounts when there are charge-offs is routine at every bank.  Have there been rude people?  Probably, Zions has lots of employees.  But I have always been treated well.

- Posted on Wednesday, July 16, 2008 at 0:51 [ Permalink to this comment ]

Imagine that, wanting your money back when someone doesn’t pay, files for BK, has biz failure, crop failure, etc., etc.  And it must be the banks fault when this stuff happens.  If you owe them money, pay them.  If you file BK, expect the banks to close down your accounts.  I was in the banking business too long to remember.  The hardest thing for bankers: getting people to take responsibility for their own actions.  Everyone wants someone to blame, so blame the bank.  Yes, they have lots of money and big legal departments, and assholes that call and want their money back.  But they took a risk on YOU, and deserve for YOU to do what you agree to.  Grow up folks.....

- Posted on Sunday, August 3, 2008 at 20:02 [ Permalink to this comment ]

When First Security Bank was taken over by Wells Fargo, a large number of employees of FSB were courted by Zions and offered large salary increases so they moved over to Zions Bank. These employees brought a great deal of experience and knowledge in addition to many customers. Because of this, Zions did very well for the three or four year after that. Zions management did not give credit to all these people (who were treated as outsiders for a long time)instead they thought that the bank was doing well because of their above average intelligence. Now that some time has passed and Wells Fargo has finally got their act together Zions is going down where it always should’ve stayed had not been for all those First Security amployees.

- Posted on Tuesday, August 12, 2008 at 18:26 [ Permalink to this comment ]

The last two years I have had a lot of trouble with overdrafts at Zions Bank.  My balance at the bank never matches the adjusted balance on the internet banking log.  I believe it is rigged so that if you check the computer to see what your balance is, it is always incorrect. It can be way off, and I no longer trust Zions.  Also, they rig any debit charges so that it is in the process of being deducted from your account before it is actually taken out of the account.  So, there is hardly ever any way you know your correct balance.  Last month I had $200 and more in overdraft charges which were totally unexpected and the officers backed them off my account.  But, I am opening an account at a Credit Union on the 1st because I just cannot deal with this unethical treatment by Zions.  Also, their computer system is so antiquated that THEY never know what your accurate balance is.  I can’t afford to bank with Zions any longer.

- Posted on Tuesday, August 26, 2008 at 16:18 [ Permalink to this comment ]

I agree with a writer it is the responsibility of the customer to manage their accts. I’ve been a customer for five years. I’ve received exceptional advice i.e, how to calculate my monthly interest. re: my money market acct. Zion’s employees are knowledable,very courteous always willing to assist with any question. At times I have many.  Zion’s staff have returned calls, emails and transferred me to departments personnel who actually listen and make it happen. My daughters, xhusband, friends all have become Zion customers. Your money is safe here! Please by allmeans do business with Zions.

- Posted on Thursday, September 18, 2008 at 21:10 [ Permalink to this comment ]

A voice of dissent here--I have been banking with Zions for over 20 years, have always been treated well, and have not had any experience of unethical behavior.

- Posted on Friday, September 26, 2008 at 12:01 [ Permalink to this comment ]

I have always been treated professionally and courteously by the men and women that work for Zions Bank. They offer sound advice and seem to be honest...at least as honest as a bank can get. I had a savings act with them years ago and presently have a primary checking act with them now. I have no intention of going anywhere. It’s the crooks running Citi Bank, Bank of America and Wells Fargo that we have to worry about, not Zions.

- Posted on Monday, September 29, 2008 at 23:33 [ Permalink to this comment ]

Recently, I asked my mutual fund to withdraw money (ACH) from my Zions money market account. Later, I noticed that 3 new transactions had appeared:  one for the actual money transfer, and two for debits of $0.00 (which I later learned were “pre-notes” from the mutual fund company.) Guess what!  When determining if my monthly debits exceed the limit of six, Zions informed me that the $0.00 debits are included!  (Zions charges $15/ea. for monthly debits in excess of 6.) I don’t know if other banks do this, but it sure doesn’t seem fair to penalize the account-holder for transactions beyond their control, especially when no money was withdrawn!

- Posted on Saturday, October 4, 2008 at 18:08 [ Permalink to this comment ]

Actually, the government has placed the rules that you can only withdraw from your money market or savings account 6 times per month.  All banks have to follow that rule. 
HOWEVER, as an employee of Zions, I would have refunded your fees on those $0.00 debits that were beyond your control.  Hopefully you found a good branch that refunded your fees because that is pretty ridiculous to charge you for transactions that never debited anything.

- Posted on Saturday, November 8, 2008 at 20:50 [ Permalink to this comment ]

Feel free to visit http://www.zionsbanksucks.com and voice your opinions in our open forums!

- Posted on Sunday, November 16, 2008 at 2:59 [ Permalink to this comment ]

In fairness to the bank, I was not charged for the transactions because I did not exceed six transactions (even with the multiple $0.00 debits).  However, since I had been told twice that the $0.00 debits counted, I avoided making any more withdrawals for the rest of the month.  If it had happened some other time, it might have caused me some grief.

Other than this issue, I’ve been very pleased with the bank - especially their interest rates.

- Posted on Friday, December 12, 2008 at 22:10 [ Permalink to this comment ]

Okay, first I’ll start off with my sister, who was screwed in a weirdly funny way.  She deposited a check of $200 into her savings. She later checked her account and realized that $200 had been take OUT of her account instead.  I ask you, where do you think the money went?  I would love to pass this off as an honest mistake if i wasn’t so royaly screwed myself.
I’ve been with Bank of
America and others and have experienced some customer service dissatisfactions, card coming in the mail late, etc.  But that happens. However, they are minimal to the things i went through with zions bank.  They have excessive overdraft charges, ranging from $39 to $71! There’s the DUPLICATE overdraft charges also, which they will not work with you to resolve.  They have odd and confusing ways of showing charges on your bank statement.  For example: the $6.33 “finance charge” most of you have seen on your bank statements is interest.  So why the hell should they not call it interest?!
Trust me, your money is NOT safe with them.  One honest mistake on your part and you will find your credit score dropping faster than Bush approval ratings! 
I am not kidding, and i am not exadderating anything.  I wish i was!  They will screw you up and down, left and right.  It IS true, though, that they used to conduct business in a better manner.  This is surely one reason why most of us decided to go with zions in the first place.
I have seen some of their inner workings, and I feel sorry for those who choose (or have to) work there.  Their system of tracking things needs a serious overhaul.  Stuff gets lost in translation, basically.  They have a policy that says to allow one business day for your newly deposited funds to be available. One whole day is asinine amongst credit unions such as America First Credit Union(which i highly recommend), whose system allows for immediate availability; however, Zions USUALLY takes over a WEEK on average for funds availability.  Not just deposits either, simple transfers between accounts as well!  That is outrageous!!  How can your funds BE delayed that long on an electronic transfer?!
Zion’s has definately crossed the line between the “make-some-mistakes-once-in-awhile” place, and the “screw-you-over-because-we’ve-got-corrupt-leadership”.
To quote Amazed, “Imagine that, wanting your money back when someone doesn’t pay, files for BK, has biz failure, crop failure, etc., etc.  And it must be the banks fault when this stuff happens.  If you owe them money, pay them.  If you file BK, expect the banks to close down your accounts.  I was in the banking business too long to remember.  The hardest thing for bankers: getting people to take responsibility for their own actions.  Everyone wants someone to blame, so blame the bank.  Yes, they have lots of money and big legal departments, and assholes that call and want their money back.  But they took a risk on YOU, and deserve for YOU to do what you agree to.  Grow up folks.....”
....Seriously?? Are you SERIOUS?! Did you not read Adam’s note at the top?  How about all the other dissatisfied customers?  What kind of customer wants to get screwed like that?!  Without the customer, the bank is nothing.  Most everyone out there, especially in these economic hard times, will be making the mistake of overdrafting once in a while! Do you not realize how often that happens, to good honorable people??!
A main difference between Zions bank and other banks is OTHER banks are more willing to work with you on your overdraft charges, etc. and ESPECIALLY willing to fix their own mistakes.
I agree with Adam, and some of the other dissatisfied people.  I dont agree with those who say Zion’s customer service sucks, because that varies from branch to branch and from person to person.  Out of the 50 to 100 some-odd people I’ve dealt with, they are ok.  Just normal people doing their jobs.
Folks, I’ve said enough. if you made it to the end of my mammoth sized comment, then just remember what I and others have said and just DO NOT ever go with Zions! Happy Banking to all!

- Posted on Wednesday, January 7, 2009 at 13:50 [ Permalink to this comment ]