Zions Bank's High-Yield Checking Account offers traditional services like unlimited check writing, and free personalized checks, check card, and online banking and bill pay, as well as a higher interest rate than other checking accounts. A minimum balance of $2,500 is required. The average interest rate, as of late May 2008, ranged from 1%, for balances below $20,000, to 1.85% for balances above $100,000. A minimum $100 opening deposit is required. There are no monthly service fees.