Zions Bank Routing Number – United States (How to Guide)

Zions Bank Routing Number is information that comes in handy making wire transfer transactions on your Zions Bank Account. Zions Bancorporation is a Salt Lake City holding company. It started as Zions’ Savings Bank and Trust Company in 1873 when the Mormons settled in Utah. Receiving money via wire transfer with Zion is convenient since you can track the progress of your funds on your computer or mobile device. You have the option of using personal or business online banking to move funds out of your Zions Bank account. Routing Numbers List provides you a guide on all bank routing numbers in your area.

zions bank routing number

In 1985, Zions acquired Nevada States Bank to expand to Nevada, and a year later, it penetrated Arizona with the acquisition of Mesa Bank. After a decade, it purchased Aspen Bancshares and extended it to Colorado and New Mexico. After a year, it bought 27 Wells Fargo branches in Arizona, Idaho, Nevada, and Utah.

You can also learn about SunTrust Routing Number, Navy Federal Routing Number, KeyBank Routing Number, America First Routing Number, or Regions Routing Number on this website.

Zions Bank Routing Number Utah      

If you want to wire transfer to your Zions’ account, you need its routing number. Despite having several branches, you only need to remember one routing number: 124000054

Zions Bank SWIFT Code

SWIFT Codes are like Routing Numbers; these are used to determine specific financial institutions that are making global transactions.  A SWIFT Code has 8 to 11 characters, with each group representing particular details.  

  1. The first four letters would be the bank code. This set of letters is often a shortened version of the bank’s name. 
  2. The succeeding two letters would be the country code, which represents the location of the bank. 
  3. The two digits that follow the letters represent the location code, which would be where the head office is. 
  4. The last three digits (which are optional) would be the branch code.

In cases of international transactions with Zions, because of course, not everyone is from the same country, you will also need Zions’ SWIFT Code: ZFNBUS55.

Receive Wire Transfer

Receiving money through the wire with Zion is convenient since you can monitor the movement of your money with your computer or mobile device. If you are receiving cash from a domestic or international sentence, give the following details to the sender’s financial institution.

wire tansfer
  • Your name (as it exactly appears in your Zions’ account)
  • Your account number
  • Routing number: 124000054
  • SWIFT code: ZFNBUS55 (optional)
  • Zions’ phone number: 888-307-3411
  • Zions’ address: 1st, Main St, Salt Lake City, UT 84133, United States

Send Wire Transfer

If you want to transfer funds out of your Zions Bank account, you may choose between personal or business online banking. You may go to a local branch or process online. However, the latter requires enrollment of your account to online banking.

To enroll your account, download any of the following, depending on your need.

The routing number is necessary for doing wire transactions like US Bank Routing Number, KeyBank Routing Number, Regions Routing Number, Union Bank Routing Number, and Schwab Routing Number. After downloading the necessary form, fill it out.

Once you fill out the appropriate form, you may personally hand it in any local branch or mail a notarized copy of the document to the address that you will find in the form. f you already have an online account, then you may follow the steps below to transfer money.

  • Log in to Online Banking
  • Click on the Payments tab
  • Click on Wires
  • Select “Create USD Wire” link
  • The Create USD Wire page will appear

For the personal processing of your wire requests, you need to provide the following to the branch from where you are sending the fund. Check this out:

  • Recipient’s name
  • Recipient bank’s name
  • Sender and recipient bank’s routing number for domestic transfers.
  • Recipient’s bank account number
  • Any special instructions, if applicable

You may also process wire requests through phone, with the assistance of an agent. However, you must make sure you have a Zions Bank Wire Transfer Agreement on file. If you want to file such an agreement, visit any Zions Bank branch.

corporate business

If you are outside of Utah, Idaho, and Wyoming, then print the Wire Transfer Agreement and have it notarized. Then mail it to Zions Bank PO Box 3748 Salt Lake City, UT 84110. If you already have an agreement on file, then you may call 877-588-0298 to process your request for wire transfer.

Meanwhile, if you are transferring money internationally, you will need the SWIFT Bank Identifier Code (BIC) of both the sender and recipient instead of the routing number. You may also need the International Bank Account Number (IBAN) if transferring within the European Union.

Wire Transfer for Corporate Business Clients using Zions Bank Routing Number

Zions also process foreign currency wire transfers to over 60 countries. There are several options to do this. You may visit a local branch or use the online Treasury Gateway system.

Payments are through FEDWIRE® and SWIFT. It takes 2 banking days for funds to reach the recipient. You may reach out to Foreign Exchange Services at 801-844-7070 or visit your branch for more information.


???? If I use a different branch for banking purposes but my account was opened in another branch, which one is my routing number?

In order to simplify the banking process, the banks use the branch and location where your account was opened as the one which is your routing number.

???? Can I find out the routing number on my debit/credit card?

No. A routing number is only used for the bank to bank transfers, therefore it can not be found out using your debit or credit card. However, you can bookmark this page for easy accessibility so that you can find your routing number whenever you need it.

Is my Routing Number and Account Number the same?

Routing Numbers and Account Numbers are different. Routing Number is the number that is used for the identification of a particular bank branch, according to location. Account Number is specific and unique to your account. A lot of people will have the same Routing Number but no one will have the same Account Number as you. 


Remember that it’s critical to double-check your routing and account numbers because mistakes can result in missed transfers or money being sent to the wrong account. Notify your bank if you find an issue so it can reverse the transaction.

We hope that this article has been helpful. If you want to share your story about wire transfer or if you have questions related about Zions Bank Routing Number, bank international bank representative, bank details or to Zions Bank, do leave a message in the comment section below.  Make domestic payments between individual bank accounts, international transfer, and other international banking services. Go make fast, secure and cheap cross-border payments!

2 thoughts on “Zions Bank Routing Number – United States (How to Guide)”

  1. Interesting article. I think Zions would be better off by rewriting the PROVIDE for BAM and then doing this in PCBs (or, if they could have a similar PCB, in BAM and BAM as a proxy) and having an extra header for the PCBs.

  2. Zions has worked well for a while with routing numbers. It seems like a bad idea for these reasons. As it appears to be, they are not using a central location, or perhaps a way to manage their own internal state or even provide an API directly to the system. The current approach isn’t a big deal though. You can use any data provider on a given provider, and you have to store it in a separate system in order to have a reliable and consistent API for the data. If you run out of data, just do it. Even if the infrastructure is centralized in its own database, there will usually be something around that you can’t just do yourself (and it can lead to a bunch of false positives).


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