What to do when a Zions Bank account holder dies

Processing timelines at Zions Bank: POD beneficiaries can typically access funds within a few business days of presenting death certificate and valid ID. Probate-dependent claims may take several weeks or longer.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

Zions Bank requires several documents to process a claim, including Certified death certificate (original or certified copy), Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if probate required), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

Zions Bank's Zions Wealth / Fiduciary Services can be reached by phone at 1-888-307-3411 and fax at (801) 524-2189 for questions throughout the claims process.

If the deceased held multiple Zions Bank accounts, each may require a separate claim or have different documentation requirements. The Zions Wealth / Fiduciary Services can confirm which accounts require individual attention and which can be processed together.