# Zions Bancorporation

**Canonical:** https://apis.io/providers/zions-bancorporation/  
**Website:** https://www.zionsbancorporation.com/  
**APIs profiled:** 0

Zions Bancorporation, National Association is a nationally chartered bank and bank holding company headquartered in Salt Lake City, Utah, with roughly $87 billion in total assets. It is a super-regional operating a single national bank charter across seven regional divisional brands - Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington - serving consumers, small business, and commercial/treasury clients across the Western United States. On the open-finance front Zions runs NO public first-party developer API portal: developer.zionsbank.com and api.zionsbank.com do not resolve, and its business digital-banking surface (Treasury Internet Banking at treasurygateway.zionsbank.com) is credential-gated with no published API reference or downloadable OpenAPI. As a large depository institution it is subject to the CFPB Section 1033 Personal Financial Data Rights rule, but Zions has not published a first-party data-access API or a documented FDX-conformant endpoint; consumer-permissioned data sharing in practice reaches Zions through third-party aggregators (Plaid/MX/Finicity/Akoya) rather than a first-party API surface.

## Kin Score — 3.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 3.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Zions Bancorporation Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Super-Regional Bank, Treasury Management, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/zions-bancorporation/). Scores are computed from the provider's own public artifacts under a published rubric.