Zions Bank Routing Number - One Parent Company, Seven Brand Names

Seven banks that are secretly one bank

Zions Bancorporation is a $90 billion holding company that most people outside the Mountain West have never heard of — even though they may already bank with one of its subsidiaries. Rather than consolidating its acquisitions under a single brand the way JPMorgan or Bank of America did, Zions deliberately maintains seven separate bank identities: Zions Bank (Utah and Idaho), Amegy Bank (Texas), California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington (now also operating in Oregon).

Each subsidiary has its own management, its own marketing, and its own charter. The corporate parent is invisible by design. Zions' bet is that local brand recognition drives more customer loyalty than a unified national name — and in markets like Texas, Nevada, and Colorado, that's held up.

Routing numbers across the Zions family

Because each subsidiary holds its own charter, each one has its own routing number. There is no single "Zions routing number."

• Zions Bank (Utah/Idaho): 124000054
• Amegy Bank (Texas): 113011258
• California Bank & Trust: 122232109
• National Bank of Arizona: 122101706
• Nevada State Bank: 321270742
• Vectra Bank Colorado: 102006407
• The Commerce Bank of Washington/Oregon: 323070380

When Zions acquires a bank, it folds the institution into the nearest subsidiary rather than rechartering under the Zions Bank flag. Existing customers keep their routing number. The acquisition is largely invisible to them.

How to confirm your routing number

Check the bottom-left corner of a physical check. That nine-digit number corresponds to your specific Zions subsidiary. You can also find it in your bank's mobile app or online portal under account details. If you're unsure which subsidiary holds your account, check your debit card or monthly statement — the local brand name will be displayed, not "Zions."

For domestic wires, use your subsidiary's routing number. For international wires, contact your specific subsidiary for SWIFT code and intermediary bank details — these aren't standardized across the Zions family.

How Slash eliminates multi-entity banking complexity

Businesses operating across multiple states often end up managing different routing numbers, different banking relationships, and different login portals by region. Slash consolidates all of it into one account: unified reporting, real-time spend visibility, and instant virtual cards for every team and department — no matter where they're located. One source of truth for company-wide spending, instead of a different banking relationship in every market.