Mon-Fri: 7 AM - 5 PM MT

Customer Service

We’re here to help. Contact us, find a form, read frequently asked questions and other information.

Have a question? Take a few minutes to browse our FAQs. If you can’t find the answer you’re looking for, give us a call or send an email.

For account assistance, customer service, or to place a trade:

CALL US AT 1-800-524-8875

Frequently Asked Questions


How can I contact a Zions Direct Service Representative?

Zions Direct Service Representatives are available Monday through Friday from 7 AM until 5 PM MT at 1-800-524-8875.

I forgot my user ID or Password, what should I do?

Please call Zions Direct at 1-800-524-8875.


What is your fax number and/or mailing address?

Zions Direct will accept fax requests at

Mailing address is:
Zions Direct
One South Main Street, 17th Floor
Salt Lake City, UT 84133


I am having trouble accessing the Zions Direct web site.

You may need to adjust the security settings on your web browser. Check your computer security to ensure that you have allowed cookies.


My trade shows pending, canceled or rejected. What does this mean?

If your trade shows pending this means that your order has not yet been approved. Your order may have been placed after the market closed and is waiting for approval before the next trading session or we may be verifying your account. If the order shows canceled or rejected, it may be due to a lack of funds for the trade or a corporate action. Please contact the trading desk during regular business hours for further assistance.


How can I check the status of an order?

You will be able to see the progression of your bond order by looking under the Orders tab in the Zions Direct Bond Store. The order status will appear under the "Status" heading.


How do I send a wire?

You can wire funds into or out of your Zions Direct account. Wires are processed the same day if submitted before 12:30 MT. You will be assessed a fee of $15 for outgoing wires.

To wire funds into your account send the following information to the financial institution that you would like to wire money from:
JP Morgan Chase
ABA # 021000021
A/C # 066-196-221
F/B/O NFS A/C #XXX-XXXXXX (The X’s contain your account number)

To wire funds out of your account to another account send a written, signed request via email, fax, or mail to Zions Direct with the routing number and account number of the destination account.

Email: support@zionsdirect.com
FAX: 888-264-6188
Mail: One South Main Street, 17th Floor
Salt Lake City, UT 84133


Why did I not receive a statement this month? When should I see my statement?

Statements are only generated monthly if the account has activity other than income. If no activity (income excluded) shows in the account, statements are generated quarterly. Statements are generated on the last day of the month and usually take about a week to reach customers.

How long will my transfer take?

Transfers via the ACAT system (i.e. both the delivering firm and the receiving firm are brokerage firms which are ACAT eligible) take 10-15 business days. Transfers via the mutual fund system (i.e. the firm delivering/receiving is a mutual fund company and the assets being moved are mutual funds) take 10-15 business days. All other transfers may take up to 4 to 6 weeks, depending on the delivering firm.


How should my check be made payable? When can I trade/ withdraw these funds?

Checks should be made payable to "Zions Direct FBO 'Account Name'". The account number should be referenced on the memo line. Funds may be traded upon deposit into the account. Funds may be withdrawn at least seven business days after deposit into the account.

How long will it take to receive a check sent from Zions Direct?

Checks take approximately one week from the date the funds are disbursed, depending on where the checks are mailed.


Who do I contact to process an address change?

You may fax your changes to 1-888-264-6188, or you may call Zions Direct at 800-524-8875. Call center hours are: Monday through Friday from 7 AM until 5 PM MT

How do I start buying bonds?

Simply open an account.

Contact Us



Monday - Friday 7 AM to 5 PM MT


Have a completed form to send? Fax it to us at the number below.



Send us an email and a Zions Direct Financial Representative will respond promptly.

Email Us

(Note: Email cannot be used to place trades.)


Zions Direct Attention: Operations Department One South Main Street, 17th Floor Salt Lake City, UT 84133

Find a form to apply for a margin account, change a beneficiary, add checkwriting and other account features.


Get the latest disclosure information for various types of investment options such as day trading and margin.


Forms & Applications


Opening an account is fast and easy. Use one of the PDF forms below.

Brokerage Accounts

IRAs & Profit Sharing Accounts



All Accounts

IRAs & Profit Sharing Accounts


  • Roth Conversion

    Request a conversion of all or any part of your Traditional, Rollover, SEP or SIMPLE IRA to a Roth IRA.

  • Roth Recharacterization

    Request a recharacterization of all or any of your contributions to your Roth, SEP, or SIMPLE IRA to your Traditional IRA.

Brokerage Accounts

Business Accounts


General Money Movement

Moving Funds Into Your Account

Moving Funds Into Your Account


All Accounts

  • IRS Form W8 Ben

    Use this form to certify non-US status.

  • IRS Form W9

    Use this form to provide and certify tax payer information.

  • Restricted Stock Questionnaire

    The process of clearing restricted stock transactions is quite paper intensive. This form helps you get everything in order before you file.

All Accounts

  • Form 144

    This form, filed with the SEC, is used to make notice of your intent to sell certain securities under the guidelines of Rule 144.

  • Rule 144k Sale or Legend Removal

    The sale or legend removal of restricted securities under Rule 144.

  • Rule 144/145 Sellers Letter

    This form is completed to verify the selling of securities under Rule 144 or 145.

  • Rule 701 Sellers Letter

    This form is completed to verify the selling of securities under Rule 701.


Agreements & Disclosures


  • Zions Direct Customer Agreement

    Contains information about the various services provided by Zions Direct and your rights as a customer.

  • NFS Customer Agreement

    See details about the services provided to you by our clearing firm, National Financial Services.

  • Margin Agreement

    Use this form to apply for margin on an existing brokerage account and to read additional disclosures regarding the risks involved.

  • Option Agreement

    Use this form to apply for option trading on an existing brokerage account and to read additional disclosures regarding the risks involved.


  • Day Trading

    Before starting a day trading approach to securities investing, know the risks involved.

  • Zions Direct Business Continuity Plan

    Zions Direct has developed a Business Continuity Plan to help the firm operate in response to an emergency or significant business disruption.

  • Market Volatility

    Read about market volatility and how this may affect your investing decisions.


  • FDIC Sweep Disclosure

    Our Bank Deposit Sweep program is used as a holding place for your univested cash. Read the details of how this program works.

Keeping your account information safe is very important to us. View our security practices as well as some pointers to help keep your account secure.

Understand how Zions Direct collects and uses your personal information.

Site Security

Zions Direct is committed to protecting the security of your accounts from unauthorized access. Your information is stored behind a secure firewall and all sensitive information is communicated to our servers using 128-bit Secure Socket Layer encryption.

Zions Direct servers use "cookie" technology to ensure your account's confidentiality and security, and to make it easier for you to navigate through our site.

Two primary types of fraud that our customers need to be aware of are email fraud and online fraud. Understanding how ill-intentioned persons may try to obtain your personal information and how you can protect yourself against it is essential. If you ever feel an email or website that appears to be from Zions Direct is fraudulent call us at 1-800-524-8875.

Email Fraud

Fraudulent email messages try to obtain your personal and financial information, such as an account number, social security number, or password, by asking you to reply directly to the email or to link to a phony website that appears legitimate. Regardless of the method used, you will eventually be asked to provivde personal, financial or account information.


Immediate Requests
These emails will often ask for an immediate response to the email sent. For example, the message may tell you your account will be closed if you fail to confirm, verify or authenticate your personal information immediately. Never click on a link in an email message that asks you to provide sensitive personal, financial or account information.

Typos and Other Errors
Fraudulent emails or websites may contain typographical or grammatical errors. The writing may also be awkward, stilted or inappropriate. The visual or design quality may be poor.

General Greetings
Bogus emails often provide a general greeting and do not identify you by name, for example “Dear client.”

Online Fraud

Fraudulent websites are created to look like real websites. Their intent is to mimic a similar website in appearance with the hope that you will trust the site and input your personal information. Creating phony web sites is easy to do. There are a few additional precautions you can take as a consumer to protect yourself from online fraud.


  • Always log off websites or secure areas of websites for which you use an ID and password to enter.
  • If the website you are visiting is asking you for personal account information, open a new browser window, enter the website (e.g. www.zionsdirect.com) in the address bar, and check to see if you must actually provide the information that the previous site was requesting.
  • Frequently monitor your account activity. Be aware of what types of securities and number of shares you have in your account so that you can be alerted when investments or funds are tampered with.
  • If you are concerned that you responded to a fraudulent email or website request from Zions Direct, report the fraud immediately to Zions Direct and change your password.
  • If you are asked to update or verify personal or Zions Direct account information, call Zions Direct.
  • Never give out your account information or passwords to anyone.
  • When your computer is not in use, shut it down or disconnect it from the Internet.
REV. 01/2015



Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and assets
  • Income and account balances
  • Transaction history and credit history


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Zions Direct chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information Does Zions Direct Share? Can You Limit This Sharing?
For our everyday business purposes- such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes- to offer our products and services to you. Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes- information about your transactions and experiences. Yes No
For our affiliates' everyday business purposes- information about your creditworthiness. Yes Yes
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you No We Don't Share

To Limit Our Sharing

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.





What We Do

How does Zions Direct protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also restrict access to non-public personal information about you to those employees who have a need to know such information.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

How does Zions Direct collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or provide account information
  • Apply for a loan or make deposits or withdrawals from your account
  • Seek advice about your investments

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affilates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include, but not limited to, Amegy Investments, Inc., Zions Trust, and Zions Bank


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • We do not share with nonaffiliates for marketing purposes.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include securities broker-dealers, insurance agents, and card issuers.

Other Important Information

Depending on where you live, you may have additional privacy protections under some state laws. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.

California residents:

We do not share personal information for consumer accounts with a California mailing address with nonaffiliates and affiliates for marketing purposes. We will limit all other sharing as applicable under California law.

Nevada residents:

We are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 1-800-524-8875, or writing us at Zions Direct, One South Main Street, 17th floor, Salt Lake City, UT 84133 or email support@zionsdirect.com. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Ste. 3900, Las Vegas, NV 89101; telephone: 702-486-3132; email: BCPINFO@ag.state.nv.us.

Vermont residents:

We will limit sharing as applicable under Vermont law.

Please enter your search keyword above

        Zions Direct


        A process allowing investors to place bids which may influence the prices and yields of securities they purchase.
        Bid by Price
        A designation to bid in a securities auction to influence the price of a security.
        Bid by Yield
        A designation to bid in a securities auction to influence the yield of a security.
        Broker Call Rate
        Interest rate charged by banks on loans made to Broker-Dealers.
        Buy Today
        Purchase a security at a set price without participating in an auction.
        Call Feature
        Identifies whether or not a bond is callable, which means the issuer can buy the bond back prior to maturity.
        Corporate Bond
        A bond issued and backed by a corporation (i.e. banks, retail chains, etc.)
        The annual interest rate that will be paid to the holder of a security, expressed as a percentage of the par value.
        Current Auctions
        Active auctions in which investors can still place bids.
        Current Market Clearing Price
        The most recent price, in dollars at which a given security was traded.
        Current Market Clearing Yield
        The most recent yield at which a given security was traded.
        Exchange Process Fee
        A fee charged by Zions Direct which offsets fees imposed by national securities and self-regulatory organizations or by U.S. option exchanges. This fee is in addition to commissions charged.
        FDIC-Insured CD
        A certificate of deposit that is backed by the Federal Deposit Insurance Corporation.
        First Interest Date
        The day the first interest payment will be made.
        Int. Accrual Date
        The day on which interest begins to accumulate.
        Int. Frequency
        When or how often interest payment(s) will be made. (i.e. 'At Maturity,' 'Semi-Annually')
        Issue Type
        Indicates the nature of the sale of a given security (i.e. Primary or Secondary)
        The entity offering to sell a security to investors.
        Maturity Date
        The day on which the issuer will return the principal to the investor.
        Municipal Bond
        A bond issued by a municipality to fund public projects like the construction of schools, roads, hospitals, etc.
        Past Auctions
        Results from auctions that have already closed.
        The actual cost of the security.
        An exchangable asset of value, including stocks, bonds, and other financial instruments.
        Settlement Date
        The day an executed trade must be reconciled - i.e. the buyer or auction winner must pay for securities obtained.
        An equity security that denotes partial ownership in the issuing company, entitling the shareholder to a portion of its income.
        The length of time between a security's settlement date and its maturity date.
        US Agencies
        Securities issued by US government organizations.
        The annual interest generated by a security divided by its current market price, expressed as a percentage.