ZiFi®: Small Business Banking

ZiFi is a digital business banking platform designed to help small businesses save more, earn more, and bank with more confidence. Earn a premium interest rate on your savings balance, access at-cost merchant payment processing, and manage your banking with the support of complimentary dedicated business bankers.¹ ² ³

IT PAYS TO BANK WITH ZiFi!

Earn Premium Interest A competitive interest rate designed to help you grow earnings over time.

At-Cost Payment Processing² ³ Open a ZiFi business account to unlock at-cost merchant payment processing. You only pay the card interchange rates plus 9 cents to cover the processing costs – that's it! We do not make money or profit on your business' card sales. Keep more of every sale. Learn more at ZiFi.com.

Fee-Free Digital Banking⁴ ZiFi business accounts offer fee-free digital banking with no monthly fees, no account fees, and no minimum balance requirements.

Dedicated Business Bankers Access to complimentary dedicated business bankers who support your business growth.

TOOLS TO MANAGE YOUR SMALL BUSINESS

Manage Your Money Monitor account balances in real-time View account statements anytime Make internal and external transfers

Bank From Anywhere Intuitive mobile experience designed for small business owners Move beyond long lines and impersonal service

The ZiFi Business Debit Card Secure access to your business funds Access funds at ATMs where Visa is accepted⁵ Add to Apple Pay®and Google Pay™ digital wallets⁶ Track and manage your business spending

How ZiFi Works Apply for a ZiFi business account at ZiFi.com Download the ZiFi mobile app to manage your account More savings. More earnings. More success.

WHY ZiFi?

ZiFi is built on 150+ years of trust, backed by Zions Bancorporation, N.A. Member FDIC. ZiFi Business accounts are FDIC insured and your funds are protected by a nationally trusted financial institution.⁷

(1) Subject to program qualification. Not available in every state. Offer subject to change. The values calculated are estimates only and do not constitute guaranteed rates. Actual amounts earned in interest 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) Actual savings will vary. Interchange rates and other applicable pass‑through fees or assessments (e.g., authorization, risk and compliance, and/or other pass‑through fees) are set solely by the payment card networks (e.g., Visa, Mastercard, American Express, Discover), are publicly published by the networks (and/or disclosed in pass-through fee guides) and are not controlled by ZiFi. Additional third‑party fees (including those relating to equipment, hardware, or software) may also apply. (3) 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 fees may apply. (4) 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. Offer subject to change. (5) The Visa trademarks, logos, trade names and service marks, whether registered or unregistered are owned by Visa International Service Association. (6) Apple Pay® is a registered trademark of Apple, Inc. Google Pay™ is a trademark of Google, LLC. (7) 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.