# ZiFi®: Small Business Banking — The Bank That Pays

> Digital business banking platform for small businesses offering savings, payment processing, and dedicated support. (iPhone/iPad app by Zions Bancorporation, N.A..)

- Source: https://appshunter.io/ios/app/zifi-small-business-banking/id1643935448 (this page in markdown: same URL + `.md`)
- Developer: [Zions Bancorporation, N.A.](https://appshunter.io/developer/337012802)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.6 · 114 MB
- Languages: American English
- Released: 2022-10-27
- Data updated: 2026-08-03
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/zifi-small-business-banking/id1643935448/reviews.md

## What is ZiFi®?

ZiFi® (a division of Zions Bancorporation N.A.) is a digital business banking platform designed to
help small businesses earn more & save more.

It Pays to Bank With ZiFi
    • Earn a premium interest rate on your savings account balance¹
    • Get access to at-cost payment processing & only pay the card interchange rates plus 9 cents to cover the processing costs³⁴
    • No monthly fees, no account fees, no minimum balance requirements²
    • Dedicated business banker support

Bank With More Confidence
    • Track & manage your business spending
    • Make internal & external transfers
    • Access your funds with the ZiFi Business Debit Card⁵

Apply for a ZiFi business account at ZiFi.com

ZiFi is built on 150+ years of trust, backed by Zions Bancorporation, N.A. Member FDIC.⁶

(1) Subject to program qualification. Not available in every state. Any offer is subject to change. Any
rates presented or values calculated are estimates only and do not constitute guaranteed savings,
rates or other monetary benefit. Any specifically stated amount of interest earned, interest rate(s)
or savings 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) Any savings estimate provided in connection with ZiFi digital banking fees is based on
competitor monthly or annual pricing for base subscription or standard fees of $25 per month,
annualized. Standard fees are defined as setup fees, account fees, monthly fees, digital transaction
fees, subscription fees, and deposit fees. 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. Any offer is
subject to change.

(3) Any savings estimate provided in connection with payment card processing are based on the
average monthly savings of current ZiFi customers compared to their previous providers and are
projected on an annual basis. Actual savings may vary. Interchange rates are set solely by the
payment card networks (e.g., Visa, Mastercard, American Express, Discover) and are publicly
published by those networks. These rates may include additional fees or costs assessed by the
networks, which ZiFi does not control and which have been disclosed in the pass through fee guide,
such as assessment fees, authorization fees, risk and compliance fees, and other applicable pass
through fees. Additional third party fees, which may include, but are not limited to, equipment,
hardware, or software fees, may also apply.

(4) 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
terms and fees may apply.

© 2026 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover
Network, LLC., and are registered or used in the U.S. and many foreign countries. Use of Clover
requires a Merchant Processing Agreement. All trademarks, service marks and trade names
referenced in this material are the property of their respective owners.

(5) The Visa trademarks, logos, trade names and service marks, whether registered or unregistered
(collectively the “Trademarks”) are Trademarks owned by Visa International Service Association.

(6) 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.
A division of Zions Bancorporation, N.A. Member FDIC

## Key features

- Premium interest on savings
- At-cost merchant payment processing
- Fee-free digital banking
- Dedicated business bankers
- Real-time balance monitoring
- Internal and external transfers
- Business debit card


## Frequently asked questions about ZiFi®

### What are the key benefits of using ZiFi for small business banking?

ZiFi offers premium interest rates on savings, at-cost merchant payment processing, and fee-free digital banking. You also gain access to dedicated business bankers to support your growth.

### How does ZiFi's payment processing work?

ZiFi provides at-cost merchant payment processing where you only pay card interchange rates plus a small fee. ZiFi does not profit from your business's card sales, allowing you to keep more of each transaction.

### Are there any fees associated with ZiFi business accounts?

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

### What tools does ZiFi provide for managing my business money?

ZiFi allows you to monitor account balances in real-time, view account statements anytime, and make internal and external transfers directly through the app.

### Is my money safe with ZiFi?

Yes, ZiFi is 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.

### What devices is the ZiFi app available on?

The ZiFi app is available for iPhone and iPod devices, offering an intuitive mobile experience designed for small business owners.

### How often is the ZiFi app updated?

The latest version of the ZiFi app is 1.4.1, which was last updated on May 13, 2026. Updates ensure the app remains reliable and secure for managing your business finances.

### Can I add my ZiFi Business Debit Card to digital wallets?

Yes, you can add your ZiFi Business Debit Card to Apple Pay® and Google Pay™ digital wallets for convenient and secure transactions.

## Version history (last 5 releases)

### 1.4.3 — 2026-07-21

Updated Images and Descriptions

### 1.4.2 — 2026-07-07

Authentication improvements

### 1.4.1 — 2026-05-13

App Release and First TIme Funding Flow

### 1.3 — 2023-11-18

• Enhanced security and usability
• Miscellaneous bug fixes
• Updated menu navigation

### 1.2 — 2023-03-13

BizHub v1.0 is now available in mobile for invoicing.

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All apps by Zions Bancorporation, N.A.: https://appshunter.io/developer/337012802

## Related topics

[zifi](https://appshunter.io/ios/topics/zifi) · [business banking](https://appshunter.io/ios/topics/business-banking) · [business banking small](https://appshunter.io/ios/topics/business-banking-small)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-03.*