Zb, NA (Formerly Zions First National Bank) SWIFT/BIC code

What ZFNBUS55 means for a payment to Zb, NA (Formerly Zions First National Bank)

ZFNBUS55 and ZFNBUS55XXX are the short and the long form of the same SWIFT/BIC code, and both point to Zb, NA (Formerly Zions First National Bank) in Salt Lake City,ut. The code does one job: it ensures that a cross-border transfer reaches the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details of Zb, NA (Formerly Zions First National Bank) customers.

Further down you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify the code before you confirm a payment. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Paying into Zb, NA (Formerly Zions First National Bank) in USD

The currency of United States is the US Dollar (USD). If you send money in a different currency it has to be converted at some point. Every conversion costs the amount, even when no fee is shown.

Who converts the payment makes a difference, because each party uses its own rate. Transferring the amount already in USD usually avoids a second conversion by Zb, NA (Formerly Zions First National Bank), provided the rate you get is fair.

The USD rate changes constantly and quotes are often valid only for a short time. For recurring payments, a slightly better rate make a real difference over a year.

Receiving money from abroad at Zb, NA (Formerly Zions First National Bank)

If you expect a payment from another country, send the payer everything they need in one go. That means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code ZFNBUS55XXX and sometimes your address.

It helps to include the bank name and Salt Lake City,ut too, since some forms ask for it. A mistake in your account number can be harder to fix than it looks; copy them from your banking app rather than typing.

The amount you receive can be lower than the amount sent. Charges on incoming payments vary from bank to bank; check the price list of Zb, NA (Formerly Zions First National Bank). Make clear with the sender who covers the fees.

Scams that use SWIFT codes

Fraudsters often send fake invoices with new bank details sent from what looks like a familiar address. That ZFNBUS55 is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that contains the new account. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and have them start a recall and report the fraud.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account.

What the XXX in ZFNBUS55XXX means

A BIC is built from fixed blocks: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. The result is ZFNBUS55 for Zb, NA (Formerly Zions First National Bank).

Most payment forms accept either length. If a form asks for eleven characters, use ZFNBUS55XXX.

As a rule the code is typed in capitals and without spaces. Look out for O versus 0 or I versus 1; they are easy to mix up.

Zb, NA (Formerly Zions First National Bank): head office code versus branch codes

Our directory lists 5 SWIFT/BIC codes for Zb, NA (Formerly Zions First National Bank) in 4 cities. Next to the head office code ZFNBUS55XXX, you will find codes for branches, departments or specific services.

For the vast majority of incoming transfers, the head office code ZFNBUS55XXX works fine. When you receive a branch code, stick to it instead of replacing it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes can change when banks reorganise.

When will the money arrive at Zb, NA (Formerly Zions First National Bank)?

A SWIFT payment usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country can add a day or more. Sometimes a bank asks what the payment is for, which can hold things up.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR. Specialist transfer services often show tracking in their app so you can see how far the money has got.

A missing payment has to be investigated from the sending side on the basis of the transfer details. As a recipient, it helps to check your account for a slightly lower amount, since fees may have been deducted.

Sending money abroad from Zb, NA (Formerly Zions First National Bank)

When you transfer money to another country via Zb, NA (Formerly Zions First National Bank), the visible fee is rarely all of what you pay. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency the bank usually uses a rate below the real market rate.

Many banks rarely show the margin on the rate separately, but you pay it all the same. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. Next time you send money, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Zb, NA (Formerly Zions First National Bank) as the source of the money.

Is ZFNBUS55 still correct? How to check

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from ZFNBUS55 or ZFNBUS55XXX, stop and ask.

Mistakes in the BIC are costly rather than fatal: often the payment comes back, minus fees. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else.

Many banking apps validate the format of IBANs. If your bank offers it, a name check before sending adds an extra layer of safety. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

A note on our data

The codes on this page are taken from publicly available data. Even so, banks merge, rename themselves or change codes. Counts and locations are from our own dataset and may differ from what Zb, NA (Formerly Zions First National Bank) publishes.

For a payment of any size, always confirm the code with the recipient’s bank or with the recipient. GoldexPay has no connection to Zb, NA (Formerly Zions First National Bank), we only compare transfer services. Found an error? Tell us through the contact page and we will look into it.