ZiFi®: Small Business Banking

Fee-free digital banking designed to help small businesses earn & save more¹ ²

ZiFi® (a division of Zions Bancorporation N.A.) is a digital business banking platform designed to help small businesses earn more & save more.

It Pays to Bank With ZiFi • Earn a premium interest rate on your savings account balance¹ • Get access to at-cost payment processing & only pay the card interchange rates plus 9 cents to cover the processing costs³⁴ • No monthly fees, no account fees, no minimum balance requirements² • Dedicated business banker support

Bank With More Confidence • Track & manage your business spending • Make internal & external transfers • Access your funds with the ZiFi Business Debit Card⁵

Apply for a ZiFi business account at ZiFi.com

ZiFi is built on 150+ years of trust, backed by Zions Bancorporation, N.A. Member FDIC.⁶

(1) Subject to program qualification. Not available in every state. Any offer is subject to change. Any rates presented or values calculated are estimates only and do not constitute guaranteed savings, rates or other monetary benefit. Any specifically stated amount of interest earned, interest rate(s) or savings may vary. Terms and conditions apply. See a Banker for full details. Please refer to the Deposit Account Agreement, account disclosure, ZiFi Business Banking Deposit Rate Sheet and the ZiFi Business Accounts Schedule of Fees, or speak with a Banker for more details.

(2) Any savings estimate provided in connection with ZiFi digital banking fees is based on competitor monthly or annual pricing for base subscription or standard fees of $25 per month, annualized. Standard fees are defined as setup fees, account fees, monthly fees, digital transaction fees, subscription fees, and deposit fees. Fee-free digital banking means that our ZiFi mobile and online banking services are currently provided at no cost. However, this does not include third party fees such as internet service provider fees or data and message fees. Also, certain account-specific transaction activity fees, that could occur for transactions conducted through or outside of digital banking, may still apply. Please refer to the Business Accounts Schedule of Fees. Any offer is subject to change.

(3) Any savings estimate provided in connection with payment card processing are based on the average monthly savings of current ZiFi customers compared to their previous providers and are projected on an annual basis. Actual savings may vary. Interchange rates are set solely by the payment card networks (e.g., Visa, Mastercard, American Express, Discover) and are publicly published by those networks. These rates may include additional fees or costs assessed by the networks, which ZiFi does not control and which have been disclosed in the pass through fee guide, such as assessment fees, authorization fees, risk and compliance fees, and other applicable pass through fees. Additional third party fees, which may include, but are not limited to, equipment, hardware, or software fees, may also apply.

(4) Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by ZiFi, a division of Zions Bancorporation, N.A. Member FDIC. Additional terms and fees may apply.

© 2026 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover Network, LLC., and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

(5) The Visa trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the “Trademarks”) are Trademarks owned by Visa International Service Association.

(6) Deposits that a person or entity maintains in the same ownership category at any division of Zions Bancorporation, N.A., including ZiFi, are added together and insured up to at least $250,000. A division of Zions Bancorporation, N.A. Member FDIC