AmericasUnited StatesLicensed-entity research

Zions Bancorporation, National Association

Zions Bancorporation, National Association (the full name listed in the OCC directory; the FDIC API lists the same charter number and FDIC certificate under Zions Bancorporation, N.A.)

The OCC directory and FDIC official API both point to Zions Bancorporation, National Association, a US national bank entity, rather than the publicly traded holding company with a similar name. Zions’ personal online application is only for applicants residing in the relevant affiliate state, and non-US citizens are instructed to contact a branch; business account applications for foreign companies or with non-US citizen signatories also require branch processing. No public commitment to remote account opening for non-residents worldwide was found.

Regulator: Office of the Comptroller of the Currency (OCC); FDIC is the deposit insurance recordkeeping agency
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: The legal banking entity and official OCC/FDIC supervisory records have been checked. Personal/business online application conditions have been compiled from public forms. The bank has not publicly confirmed case-specific acceptance of overseas non-residents or foreign entities, global remote witnessing, overseas tax reporting documents or complete applicable fees/timelines. Written confirmation from a bank branch is still required.

Research scope and official resources

Topic number:americas-zions-bancorporation-na

Sourced from selected candidates among publicly listed major banks on 2025/2026; selection.json itself expressly does not indicate a real-time top 100, account availability, or individual licensing conclusions. This entry makes no claim about the specific legal entity’s ranking.

Bank’s official website

Personal Eligibility and Documents

The official website lists personal checking account products. The personal online application form requires applicants to be at least 18 years old, provide an SSN and personal and contact information, and reside in an affiliate state where the selected product is available. The form expressly instructs non-U.S. citizens to contact a branch for information on how to apply. The personal account page does not fully list the affiliate states in the application form, or confirm whether overseas residents, people without a U.S. address, or nonresident foreign nationals can open an account at a branch, which accounts may be available, or what additional identity/tax documents are required. Do not infer that applicants worldwide who are nonresidents are accepted. U.S. residency and citizenship are not the same requirement; a branch must confirm the specific acceptance conditions for non-U.S. citizens.

Personal information publicly disclosed or identified

The bank’s online personal application form lists the applicant’s SSN (and that of a joint applicant, if applicable), personal and contact information; the applicant must be at least 18 years old and reside in an affiliate state eligible for the selected product. The form does not fully list other identity documents or proof-of-address requirements on the current page.
The bank’s form expressly advises non-U.S. citizens to contact a branch to learn how to apply. It does not publicly list the complete requirements for passports, visas/residence documents, foreign tax numbers, or proof of address in this situation.
General account-opening preparation suggestion (not a uniform policy published by Zions): Contact the relevant branch to confirm whether it requires a valid passport or other government-issued photo ID, proof of residential address, SSN/ITIN or foreign tax number, and tax residency documents. Do not treat this suggestion as a bank-confirmed acceptance condition.

Company eligibility and documents

The official website offers business checking accounts and states that they are intended for business customers. The Business Beyond page says it supports businesses in Idaho, Utah, and Wyoming. The commercial online application requires the business headquarters to be in one of the listed states (the state names are not shown in the text extracted from the current page), annual revenue below $ 20,000,000, an application by an authorized business representative, and business ownership, tax identification, and financial information. The bank form explicitly lists foreign businesses not registered in the United States, signatories who are not U.S. citizens, businesses owned by another business or pass-through entities, and businesses with annual revenue above $ 20,000,000 as cases that should apply or inquire at a branch. This does not guarantee final account eligibility. Eligibility for account opening, products, branch locations that accept applications, and additional due diligence requirements have not been publicly confirmed for companies incorporated overseas, nonresident beneficial owners, or foreign corporate shareholders.

Company information publicly disclosed or identified

Information to prepare, as listed on the bank’s Business Beyond product page: business name and contact information; business documents created upon state registration; information and identification for individuals associated with the account; beneficial ownership information for the business; and the minimum deposit to fund the account (the current extracted text of the page does not show a specific amount).
The commercial online application form further specifies the business TIN, legal organization type, place of business and type of business, as well as personal information for the authorized responsible party, signers, owners with an equity/beneficial ownership interest of 20% or more, and executives/senior managers responsible for day-to-day operations. The form states that these individuals must provide their name, date of birth, SSN, telephone number and address. For foreign citizens/foreign companies, follow the form’s instructions to contact a branch.
General account-opening preparation suggestion (not a uniform policy published by Zions): You may first compile registration/existence documents, authorization resolutions or proof of signing authority, an ownership structure chart, EIN/TIN documentation, identification for actual controllers, and business/source-of-funds documents. The bank has not confirmed item by item on the pages reviewed the document format, certification, translation, or notarization requirements.

Address, tax, and remote / witnessed procedures

Address and tax

The personal online eligibility criteria require residence in a state or territory where the selected product is available; the business online application requires the company's headquarters to be in one of the affiliate states listed on the form, but the current page text does not show the state names. The Business Beyond product page says it serves businesses in Idaho, Utah, and Wyoming; confirm with the bank whether this statement applies to the specific product, branch, and applicant. The form collects the individual's address and the business's operating location, and requires an SSN or Tax ID/TIN. The IRS states that Form W-9 is only for U.S. persons (including resident aliens) to provide a TIN; Form W-8BEN is used to certify foreign status when a foreign person is the beneficial owner of a payment subject to withholding, and is submitted when requested by the payer/withholding agent; it is not a verified general Zions account-opening document. The bank materials reviewed do not publish CRS self-certification requirements or an account-opening reporting process for overseas tax residents; the United States should not be described as a CRS participant.

Remote / witnessing

The online personal application states only that residents of eligible affiliate states can apply online and requires non-U.S. citizens to contact a branch. The online business application states that eligible applicants can sign application documents through DocuSign, but applications involving foreign companies, non-U.S. citizen signatories, or company shareholders are to be handled at a branch. No public policy was found stating that the bank supports video identity verification worldwide, overseas remote account opening, third-party witnessing, or overseas notarization; an electronic signature should not be equated with these services.

Public process reference

First choose a checking or deposit product listed on the Zions website based on personal or business needs, and confirm with the bank which affiliate states the product covers and whether the applicant or business is eligible.
Eligible individuals may complete the bank’s personal application form with their SSN and personal/contact information, subject to age and state eligibility conditions; non-U.S. citizens should contact a branch first to confirm how to apply.
Eligible businesses must have an authorized representative provide business, TIN, operational, and ownership information and sign as required by the bank; contact a branch regarding exceptions for foreign-incorporated businesses, signatories who are not U.S. citizens, business shareholders, or look-through taxation.
The bank’s published webpages do not provide a standard set of procedures, remote identity verification methods or acceptance commitments applicable to all individuals, businesses and foreign applicants. Obtain written confirmation from the bank for the specific applicant before arranging any service.

Compliance topics, details, and sources

U.S. AML/KYC and Customer Identification

Zions’ application form states that the bank will use an SSN or Tax ID together with other personal identifying information to identify and verify the account opener. FinCEN’s CDD baseline for covered financial institutions also requires identifying and verifying customers, understanding the nature and purpose of the relationship, developing a customer risk profile, and ongoing monitoring. The bank has not publicly disclosed additional due diligence procedures or a document checklist for overseas applicants.

Source:Zions Bank — Personal deposit account online application ；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Corporate Beneficial Owners, Controllers and Source of Funds

Zions’ business application form requires information about owners holding 20% or more and executives/senior managers responsible for day-to-day management. The usual baseline listed on FinCEN’s CDD rule page is owners holding 25% or more and one control person; specific application may also be affected by exceptions or subsequent regulatory interpretations. The bank’s application form also states that tax returns and financial statements may be requested if additional information is needed. This does not mean all applicants must submit them, and no uniform list of source-of-funds documents has been published.

Source:Zions Bank — Business deposit account online application ；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

U.S. Tax Identification, FATCA, and CRS

The account-opening form requires an SSN or TIN/Tax ID. The IRS explains that Form W-9 is used by U.S. persons to provide a TIN, while Form W-8BEN is used by foreign persons to certify their foreign status for applicable withholding; the two forms are not interchangeable and should not be misrepresented as generally required account-opening documents for this bank. The U.S. Treasury describes the FATCA framework. The Zions page reviewed does not explain tax self-certification or CRS treatment for specific customer types, and no claim is made that the United States has joined CRS. Overseas tax residents should verify specific reporting requirements with the bank and a tax adviser.

Source:Zions Bank — Business deposit account online application ；IRS — About Form W-9 ；IRS — About Form W-8 BEN ；U.S. Treasury — Foreign Account Tax Compliance Act

U.S. Sanctions Screening

The U.S. Treasury Department’s OFAC recommends that institutions subject to U.S. jurisdiction adopt a risk-based sanctions compliance program, involving assessment of customer, counterparty, product, and geographic risks and internal controls. Zions’ public pages do not list its specific screening lists, triggering criteria, review times, or process for requesting additional customer documents; account opening and transactions are subject to the bank’s own review.

Source:U.S. Treasury OFAC — A Framework for OFAC Compliance Commitments

Privacy and cross-border personal information

Zions’ digital privacy notice states that, when opening an account or using banking services, it may collect names, contact information, SSNs, dates of birth, passport/driver’s license numbers, and financial information. When accessing the website from outside the United States, submitted information is transferred to the United States. This notice describes data processing for the website and services and does not confirm eligibility to open an account from abroad.

Source:Zions Bank — Digital Privacy Statement

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This supplement concerns Zions Bank’s publicly available online application for U.S. business deposits. It does not represent the account-opening policies of its publicly traded holding company or other affiliated banks. The current form limits applications by headquarters state and revenue, among other conditions, and refers cases involving foreign-registered businesses, non-U.S. citizen signers, or business shareholders to a branch. The bank must confirm the specific state, applicant eligibility, and acceptance of applicants from abroad. The following information focuses on organizing evidence and preparation after account opening and is not a guarantee that an account will be opened.

Date information checked:2026-10-26

Information evidence package

Business identity, place of business and signing authority

Who it applies to: Businesses and their authorized officers intending to apply; non-U.S.-registered businesses should not assume they are permitted to apply online.
Documents to Prepare: Prepare state registration/organizational documents and evidence that the business is currently in existence, so the legal name and organizational form requested on the form can be verified (preparation recommendation; the form requests business information but does not list these as mandatory attachments).
Prepare the company’s TIN/EIN records, business address, actual operating location, and business category; the bank form expressly requests information on the company TIN, legal structure, place of business, and type of business.
Prepare an authorization resolution, provisions in the articles concerning signing authority, or other documents showing that the applicant is authorized to represent the business, for the bank to check if needed. The form requires the application to be made by a person authorized to represent the business but does not publish a uniform format for authorization documents.
Description: Information requested on the form does not mean that every item must be uploaded as a separate supporting document. The pages reviewed do not specify uniform rules for originals, certified copies, translations, notarization, or document validity periods; confirm with the branch handling the application first.

Source:Zions Bank — Business deposit account online application

Ownership chain, signatories, and persons exercising day-to-day control

Who it applies to: Companies, limited liability companies and businesses with corporate shareholders or multi-layer ownership chains; this group does not apply to individual retail applications.
Documents to Prepare: Prepare an ownership table and tiered ownership structure chart as of the application date, listing each natural person's direct and indirect ownership percentages. The bank's form requires information on owners holding 20% or more.
Compile the names, dates of birth, addresses, phone numbers and identity details such as SSNs required by the forms for all account signatories, and prepare company records explaining their signing authority.
Separately list the CEO, CFO, COO, or other senior manager responsible for directing day-to-day operations; the form requires the personal details of that person, so do not submit only a shareholder list.
Description: 20% is the threshold for information required by the Zions application form reviewed; it should not be mischaracterized as a general ownership percentage under FinCEN rules. FinCEN’s rules page lists the 25% and control-person baseline. Bank forms may require broader information. The form does not fully explain identity documents for foreign nationals or alternative SSN documentation.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Business, finances, expected transactions and basis for capital contributions

Who it applies to: The applicant business; businesses planning to receive funds from overseas, dealing with related-party funds, or having more complex transaction patterns may prepare additional materials. The supplementary materials below are suggestions for preparation, not verified, uniformly mandatory documents.
Documents to Prepare: Prepare a one-page summary of the main products/services, customer and supplier regions, expected monthly receipts and payments, commonly used currencies and main types of counterparties. Ensure it explains the business categories requested in the application form and addresses the bank’s subsequent need to understand the purpose of the relationship.
Keep recent financial statements, tax filings, major contracts/invoices and the funding route from the proposed contribution account readily available; the bank says it will generally request tax returns or financial statements when more information is needed, but has not published a uniform list.
If the initial funds come from a shareholder, an affiliated company, an asset sale or a cross-border remittance, prepare the relevant resolutions, contracts, payment evidence and source-of-funds explanations. This is a recommendation to facilitate verification; the bank has not published a fixed amount or specific format.
Description: The application form lists financial information and minimum funding items, but the displayed amounts are placeholder text with no specific values entered. The IRS states that Form W-9 is used to provide a TIN to persons required to report information to the IRS; this does not establish that Form W-9 is mandatory for every business account opened with Zions.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule；IRS — About Form W-9

Due diligence and enhanced verification

Corporate Beneficial Owners and Controllers

Basis for Verification: Zions’ business application form requires information on owners holding 20% or more, all signers, and executives/senior managers responsible for day-to-day operations. The usual baseline listed under FinCEN’s CDD rule for covered institutions is to identify and verify owners holding 25% or more and one control person. FinCEN’s 2026 relief from exceptions removed the requirement to repeat identification and verification for every new account opening, but it still applies for an initial account opening, when there is reasonable doubt about the reliability of known information, or when required by risk procedures. This relief does not change the bank’s form, exempt a company from BOI reporting, or mean the bank will no longer ask about ownership.
Preparation recommendation: Prepare a complete list and look-through ownership structure using the 20% threshold in the Zions form, and separately identify the person with actual control, the manager, and authorized signatories. If the applicant already has an account with the institution, ask the bank whether any relief from repeated verification applies and whether existing information must be updated. Do not omit owners in the 20%-24.99% range if the bank form requires them.
Scope: The bank’s stated requirements and U.S. regulatory rules are presented separately. The FinCEN exception applies only to specific requirements for repeat-account-opening verification; it does not limit the bank’s risk-based requests for additional or updated information.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule；FinCEN — FinCEN Issues Exceptive Relief to Streamline Customer Due Diligence Requirements

Source of Funds, Source of Wealth, and Genuine Business Activity

Basis for Verification: The bank’s form requires business financial information and says it may request tax returns and financial statements if more information is needed. FinCEN CDD requires covered institutions to understand the nature and purpose of a relationship, develop a customer risk profile, and conduct ongoing monitoring. Public materials do not provide a uniform list of source-of-wealth documents applicable to all businesses for Zions.
Preparation recommendation: It is advisable to explain shareholder contributions, business revenue, related-party transactions, and cross-border payments separately, and prepare contracts, invoices, financial statements, or bank statements that match the amounts and counterparties. Submit these only if the bank requests them or they are relevant to the transaction background; do not describe them as confirmed mandatory documents.
Scope: The bank’s form expressly states the information requirements; regulatory rules govern CDD for covered institutions; the listed supporting documents are general preparation suggestions.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

PEP, sanctions and high-risk geographic checks

Basis for Verification: The Zions application form and CDD overview reviewed do not disclose the bank’s PEP definition, sanctions-list screening logic, trigger thresholds, supplemental-document process or processing times; do not infer that PEPs are always rejected or equate PEP status with being a sanctioned person.
Preparation recommendation: If a related person holds or previously held a senior position in public office/a state institution, we recommend organizing details of the position, country and period of service, and relationship to the company. For cross-border customers and suppliers, prepare an explanation of the genuine transaction background and fund flows. Answer the bank’s questions truthfully. These are recommendations for preparing for review, not a special list of documents published by Zions.
Scope: The bank’s specific policy is not public. Preparation suggestions are based only on general CDD risk-profiling requirements and do not imply that a customer will necessarily be reviewed or rejected.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Cross-Border Tax Status and Corporate Tax Identification Numbers

Basis for Verification: The commercial application form requires a business TIN and requests information such as an SSN for applicants and related individuals. IRS guidance states that Form W-9 is used to provide the correct TIN to those required to report information to the IRS, but this does not establish that it is a standard account-opening document for Zions. The bank sources reviewed do not specify which W-8 form foreign businesses/tax residents must submit, whether other tax self-certification is required, or which cross-border reporting procedures apply.
Preparation recommendation: Prepare the company’s EIN/TIN documentation and information on its place of incorporation and tax residence; for shareholders or signatories outside the U.S., first ask the bank which foreign tax identification numbers and identity documents it accepts. Do not assume that W-8BEN, W-8BEN-E, or W-9 are mandatory account-opening forms without confirmation.
Scope: The TIN requirement comes from bank forms; the use of Form W-9 comes from the IRS; foreign tax forms and specific account tax treatment are unpublished, and related preparation is a recommendation.

Source:Zions Bank — Business deposit account online application；IRS — About Form W-9

Ongoing maintenance obligations

Risk-based ongoing monitoring and information updates

FinCEN rules require covered financial institutions to conduct ongoing monitoring to identify and report suspicious transactions and maintain and update customer information based on risk; the 2026 exception relief leaves these obligations in place. On the customer side, account holders may confirm at account opening the channels and deadlines for reporting changes to contact information, beneficial ownership, or control, and contact the bank promptly when changes occur. This customer update practice is a prudent preparation suggestion; the sources reviewed do not establish a uniform statutory notification period for customers or a Zions-specific update process.

Source:FinCEN — Information on Complying with the Customer Due Diligence Final Rule；FinCEN — FinCEN Issues Exceptive Relief to Streamline Customer Due Diligence Requirements

Keep transaction supporting documents verifiable

Ongoing monitoring is part of a bank’s CDD obligations; it does not mean the sources reviewed require business customers to submit financial statements on a fixed schedule. Businesses should retain invoices, contracts, payment records, explanations of funds from related parties, and reconciliation records so they can promptly explain the purpose of transactions or the flow of funds if the bank asks. The bank’s review frequency, required documents, and submission channels are not public.

Source:Zions Bank — Business deposit account online application；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Please confirm with the bank before booking

Do the company’s state of incorporation, head office state, annual revenue, shareholder structure, and signatory’s status meet this product’s application requirements? What is the complete list of eligible states referred to in the form?
For a foreign-registered company, non-U.S. citizen signatory, foreign shareholder, or structure owned by another business, which branch should process the application? What alternative identity documents, foreign tax identification numbers, or in-person verification are required?
The form requires information on holders of 20% or more; please confirm whether information is also required for holders below that threshold, the complete ownership chain, controllers, or other senior officers, and whether the FinCEN 2026-year exception relief applies when the business already has an account.
What formats are accepted for registration/authorization documents, ownership structure charts, financial statements, and source-of-funds materials? Are originals, certified copies, translations, or notarization required?
What are the current minimum funding amount, account fees, and acceptance and approval timelines for foreign/cross-border applications for this product? Do the time estimates on the application page apply to branch applications or applications subject to enhanced review?

Not confirmed by public information

The public application form does not show the full names of eligible states, and its minimum capital contribution field retains placeholder text; confirm with the bank based on the specific product and accepting entity.
Public information has not confirmed final account-opening eligibility, branch acceptance scope, alternative identity documents, or tax forms for companies registered overseas, signatories who are not U.S. citizens, foreign corporate shareholders, and non-resident controllers.
The application form reviewed does not specify the bank’s standards for document verification, translation, notarization, validity periods, or remote identity witnessing. The bank’s electronic-signature option does not amount to a commitment to accept remote account opening from anywhere in the world.
Zions’ own PEP/sanctions screening standards, risk thresholds, review frequency, additional-document process, and internal limits have not been made public; specific review outcomes must not be inferred from general CDD rules.
The bank deposit agreement PDF could not be verified as readable text during this review, so this supplement does not cite unconfirmed provisions on account agreement notices, record retention, dispute resolution, or fees; request and read the applicable version before opening an account.

Sources & Scope of Verification

Zions Bank — Business deposit account online application
I reviewed Zions’ business deposit application page: headquarters-state and annual revenue conditions, branch guidance for non-U.S. citizens/foreign companies/businesses with corporate shareholders; requirements for information about applicants, TIN, entity type, business activity, owners with 20% or more, signers, and day-to-day managers; and the form’s note that tax forms and financial statements may be requested. The page contains unfilled affiliate and minimum-deposit placeholders, so it does not support a specific amount or acceptance of foreign applicants.
FinCEN — Information on Complying with the Customer Due Diligence Final Rule
I reviewed FinCEN’s rule explanation: covered institutions must identify/verify customers and beneficial owners, understand the nature and purpose of the relationship, develop a risk profile, and conduct ongoing monitoring. The page states the usual baseline of owners holding 25% or more and one controlling person.
FinCEN — FinCEN Issues Exceptive Relief to Streamline Customer Due Diligence Requirements
I reviewed FinCEN’s 2026 notice: identifying and verifying the beneficial owners of the same legal entity is no longer required again every time a new account is opened. It is still required for the first account, when reasonable doubt arises about the reliability of existing information, or when required by risk-based CDD procedures. Other AML/CFT and ongoing monitoring obligations remain unchanged.
IRS — About Form W-9
I reviewed the IRS’s explanation: Form W-9 is used by persons required to file information returns with the IRS to provide a correct TIN. This supports only an explanation of the form’s purpose; it does not support an inference that Zions universally requires it to open an account.

Fees and timelines

The product page and online application form reviewed do not provide verifiable minimum opening deposits, account fees or processing times applicable to all applicants, products and states covered by this item. The application form’s minimum amount field contains unreplaced placeholder text, so no amount is provided here. Request the current fee schedule and written timelines for the specific product, state, currency and applicable date; do not assume that non-resident applications follow the standard online process.

Limitations and practical considerations

selection.json is only a selection lead from publicly listed large-institution selections based on 2025/2026, not a real-time global top 100 list, evidence of acceptance, or a promise to open an account.
The personal online application requires residence in the relevant affiliate state; the current application-form excerpt does not list all state names. Non-U.S. citizens must contact a branch. Acceptance of remote account opening for non-residents abroad has not been verified.
Online business application eligibility is subject to the bank’s head-office state/region, company registration location, signatory identity, business ownership structure, and annual revenue requirements; exceptions expressly listed in the application form must use the branch consultation process and do not guarantee account opening.
No Zions account-opening channel currently available for Rengangyongsheng appointments or account-opening assistance has been found. This material only summarizes public information and cannot replace the bank's case-by-case approval or written response.

Licensing evidence and regulatory verification

This bank entity has been located and cross-checked: the current OCC national bank directory (marked as current through 2026-09-30) lists the full name Zions Bancorporation, National Association, OCC charter no. 4341, address Salt Lake City, Utah. The FDIC official BankFind API dataset published on 2026-10-23 returns the abbreviated name Zions Bancorporation, N.A., status ACTIVE=1, OCC CHARTER=4341, FDIC CERT=2270, and the same address in Salt Lake City, Utah. This evidence confirms regulatory records for this national bank entity, not a license held by the publicly traded holding company. Before opening an account, recheck the regulator’s records as of that date and confirm with the bank.

Office of the Comptroller of the Currency (OCC); FDIC is the deposit insurance recordkeeping agency Official registration or record

Information sources

OCC — National banks active as of September 30, 2026, name listing
The current national bank directory lists Zions Bancorporation, National Association by its full name and provides OCC charter 4341 and an address in Salt Lake City, Utah. The directory is current as of 2026-09-30.
FDIC BankFind Suite API — Institution record for Zions Bancorporation, N.A.
Data published by the official agency API on 2026-10-23 shows ACTIVE=1, CHARTER=4341, FDIC CERT=2270, and the same Salt Lake City address for the entry returned under the short name Zions Bancorporation, N.A. Cross-referenced with the full-name record in the OCC data.
Zions Bank — Personal Checking
Confirmed the types of personal checking products and application/banking service channels currently published on the bank's website; no commitment to opening accounts for overseas residents is stated.
Zions Bank — Personal deposit account online application
The personal online application expressly requires applicants to be at least 18 years old, provide an SSN and personal and contact information, and reside in an affiliate state; non-U.S. citizens should contact a branch.
Zions Bank — Business Beyond Account
Confirmed the Business Beyond business checking product, its public service description for businesses in Idaho, Utah and Wyoming, and that account-opening preparation information includes business registration documents, business contacts, personal identification, beneficial ownership information and an initial deposit.
Zions Bank — Business deposit account online application
Online application requirements and documents for businesses: state of headquarters; annual revenue below $ 20,000,000; TIN, business and ownership information; authorised officer; information on owners holding 20% or more, signatories, and senior executives responsible for operations. Foreign companies, signatories who are not US citizens, and others must contact a branch.
FinCEN — Information on Complying with the Customer Due Diligence Final Rule
Explains customer identification, beneficial-owner verification, relationship-purpose/risk profiling, and ongoing monitoring requirements for covered U.S. financial institutions, and lists the usual 25% ownership and control-person baseline.
IRS — About Form W-9
Explains that Form W-9 is used by U.S. persons, including resident aliens, to provide a correct TIN to a person required to file information returns with the IRS.
IRS — About Form W-8 BEN
Explains that a foreign person who is the beneficial owner of a payment subject to withholding submits Form W-8 BEN to the withholding agent/payer; it is not proof of general personal bank-account-opening documents.
U.S. Treasury — Foreign Account Tax Compliance Act
Explains that FATCA concerns reporting to the IRS by foreign financial institutions of financial-account information for U.S. taxpayers or foreign entities with substantial U.S. ownership interests. This establishes a tax-regime baseline and does not imply specific bank account-opening documents.
U.S. Treasury OFAC — A Framework for OFAC Compliance Commitments
Explains that OFAC recommends that organizations subject to U.S. jurisdiction establish a risk-based sanctions compliance program, including management commitment, risk assessment, internal controls, testing and auditing, and training.
Zions Bank — Digital Privacy Statement
Lists the identity, contact, tax ID, passport/driver's license and financial information that the bank's website and services may collect, and states that information is transferred to the United States when the website is accessed from outside the United States.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: The legal banking entity and official OCC/FDIC supervisory records have been checked. Personal/business online application conditions have been compiled from public forms. The bank has not publicly confirmed case-specific acceptance of overseas non-residents or foreign entities, global remote witnessing, overseas tax reporting documents or complete applicable fees/timelines. Written confirmation from a bank branch is still required.
Author: Drew

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