Zions Bank overdraft fee
Zions Bank prints the paid-item and returned-item dollars on its personal schedule of fees. A paid overdraft is $29. A returned item is $0. The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).
Last updated: October 21, 2026
Last checked: Oct 2026
The $29 fee
Opened 21 October 2026. The figures are from the Zions Bank personal accounts schedule of fees, effective 13 October 2026. Insufficient funds for a returned or declined item is $0.00. Overdraft for a paid item is $29.00. The schedule says the bank charges that fee for each item that overdraws the account, and no more than 5 per-item overdraft fees on any business day for this personal schedule.
Paid-item fees apply to checks, ACH electronic payments, wires, withdrawals, and recurring debit card transactions. ATM withdrawals and everyday one-time debit card transactions are charged only if you opted in to Debit Card Overdraft Service. The overdraft protection page repeats the $0 returned item and the $29 paid item.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the schedule prints |
|---|---|
| Overdraft, paid item | $29.00 each |
| NSF, returned or declined | $0.00 |
| Personal daily cap | No more than 5 per-item fees a business day |
| Overdraft cushion | No per-item fee if overdrawn by $30 or less after the business day |
| Overdraft deposit transfer | $10.00 per transfer over $10 |
| Flex-Line transfer | $10.00 per advance over $10 |
How to avoid it
The schedule's overdraft cushion says no per-item overdraft fees are charged if the account is overdrawn by $30 or less after all transactions post at the close of the business day. A returned or declined item is $0 on this personal schedule, so the $29 is for an item the bank pays.
Skip Debit Card Overdraft Service if you do not want ATM and everyday debit overdrafts considered. An overdraft deposit transfer from a linked Zions deposit account is $10 per transfer over $10. That transfer is not free. A Flex-Line advance over $10 is also $10, unless you started the transfer yourself.
Questions
- How much is a Zions Bank overdraft fee?
- The personal schedule effective 13 October 2026 prints $29.00 for each paid item that overdraws the account. A returned or declined item is $0.00.
- How many Zions overdraft fees can post in one day?
- The personal schedule says no more than 5 per-item overdraft fees on any business day.
- What is the Zions overdraft cushion?
- No per-item overdraft fee if the account is overdrawn by $30 or less after transactions post at the end of the business day.
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