Zions Bank Routing Number

Frequently Asked Questions About Zions Bank Routing Numbers

Why does Zions Bank only have one routing number for three states?

Zions Bank's single routing number reflects its regional focus and unified banking structure across the Intermountain West. Unlike national banks that expanded through acquisitions of independent banks in different states, Zions grew organically within its core region of Utah, Idaho, and Wyoming. When Zions Bancorporation consolidated seven bank charters into a single charter in 2015, this streamlined structure meant all customers could use the same routing number (124000054) regardless of location. This makes banking simpler for customers and businesses operating across multiple states in the region.

Can I use the same routing number for both ACH and wire transfers at Zions Bank?

Yes, Zions Bank uses routing number 124000054 for both ACH transfers and wire transfers. This includes direct deposits, electronic bill payments, and both domestic and international wire transfers. You don't need to remember different numbers for different transaction types. However, keep in mind that while the routing number is the same, wire transfers and ACH transfers have different processing times and fees. Wire transfers process within hours and cost around $20-30, while ACH transfers take 1-3 business days and are typically free or low-cost.

What is Zions Bank's SWIFT code for international wire transfers?

Zions Bank's SWIFT code is ZFNBUS55. You'll need this code along with the routing number 124000054 when receiving international wire transfers or making international payments. The SWIFT code identifies Zions Bank in the global financial network, while the routing number identifies your specific account within the U.S. banking system. International wire transfers typically process within 2 business days and involve fees of approximately $30-50 plus potential currency exchange costs.

How do I find my Zions Bank routing number?

The easiest way to find your routing number is to look at the bottom left corner of any Zions Bank check. You'll see the nine-digit routing number 124000054, followed by your account number and check number. You can also find your routing number by logging into Zions Bank Digital Banking and viewing your account details, checking your monthly bank statements, or calling Zions Bank customer service at 1-888-307-3411 (available Monday-Saturday, 6am-9pm MT).

Will my Zions Bank routing number change if I move to a different state?

No, your Zions Bank routing number will remain 124000054 even if you move to a different state within or outside the Zions Bank service area. The routing number is tied to the bank itself, not your location. If you move within Utah, Idaho, or Wyoming, you can continue using your existing account and routing number. If you move outside these states, your account remains active with the same routing number, though you may want to consider banking options closer to your new location for branch access.