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REVENUE FROM CONTRACTS WITH CUSTOMERS
 9 Months Ended
Sep. 30, 2025
Revenue Recognition and Deferred Revenue [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS REVENUE FROM CONTRACTS WITH CUSTOMERS
Noninterest income and revenue from contracts with customers are recognized when control of the promised goods or services is transferred to customers, in an amount that reflects the consideration to which we expect to be entitled in exchange for those goods or services. We recognize noninterest income from certain contracts with customers upon satisfaction of the related contractual performance obligations. For more information regarding revenue from contracts with customers, see Note 17 of our 2024 Form 10-K.
Disaggregation of Revenue
The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the three months ended September 30, 2025 and 2024. Customer-related noninterest income from other sources represents revenue earned from customers that is not within the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202520242025202420252024
Commercial account fees
$15 $15 $8 $8 $15 $15 
Card fees 1
12 12 4 5 8 8 
Retail and business banking fees
6 5 4 3 4 4 
Capital markets fees and income 2
— — 1 — — — 
Wealth management fees4 5 2 1 5 4 
Other customer-related fees2 2 2 2 1 1 
Total noninterest income from contracts with customers
39 39 21 19 33 32 
Customer-related noninterest income from other sources
10 7 9 10 13 10 
Total customer-related noninterest income
49 46 30 29 46 42 
Noncustomer-related noninterest income
— — 1 2 3 2 
Total noninterest income
$49 $46 $31 $31 $49 $44 
NBAZNSBVectra
(In millions)202520242025202420252024
Commercial account fees
$3 $3 $3 $3 $2 $2 
Card fees 1
4 4 4 4 2 2 
Retail and business banking fees
2 2 3 3 1 1 
Capital markets fees and income 2
— — — — 1 — 
Wealth management fees1 1 2 2 1 1 
Other customer-related fees— — — — 1 1 
Total noninterest income from contracts with customers
10 10 12 12 8 7 
Customer-related noninterest income from other sources
2 1 1 — 1 — 
Total customer-related noninterest income
12 11 13 12 9 7 
Noncustomer-related noninterest income
— — — — — — 
Total noninterest income
$12 $11 $13 $12 $9 $7 
TCBWOtherConsolidated Bank
(In millions)202520242025202420252024
Commercial account fees
$1 $1 $— $(1)$47 $46 
Card fees 1
— — 1 1 35 36 
Retail and business banking fees
— — (1)(1)19 17 
Capital markets fees and income 2
— — 2 2 4 2 
Wealth management fees— — (2)(1)13 13 
Other customer-related fees— — 9 8 15 14 
Total noninterest income from contracts with customers
1 1 9 8 133 128 
Customer-related noninterest income from other sources
1 1 (7)4 30 33 
Total customer-related noninterest income
2 2 2 12 163 161 
Noncustomer-related noninterest income
— — 22 7 26 11 
Total noninterest income
$2 $2 $24 $19 $189 $172 
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs fall outside the scope of the applicable accounting guidance for revenue from contracts with customers.
2 Capital markets fees and income excludes revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and the net CVA, as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.
The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment for the nine months ended September 30, 2025 and 2024. Customer-related noninterest income from other sources represents revenue from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers.
Zions BankCB&TAmegy
(In millions)202520242025202420252024
Commercial account fees
$45 $42 $24 $23 $46 $44 
Card fees 1
37 38 13 14 22 23 
Retail and business banking fees
16 14 10 9 11 10 
Capital markets fees and income 2
— — 2 — 9 — 
Wealth management fees12 16 4 3 13 13 
Other customer-related fees6 7 6 6 4 5 
Total noninterest income from contracts with customers
116 117 59 55 105 95 
Customer-related noninterest income from other sources
23 16 28 26 27 25 
Total customer-related noninterest income
139 133 87 81 132 120 
Noncustomer-related noninterest income
2 3 4 6 8 8 
Total noninterest income
$141 $136 $91 $87 $140 $128 
NBAZNSBVectra
(In millions)202520242025202420252024
Commercial account fees
$7 $8 $9 $10 $5 $5 
Card fees 1
11 11 12 12 7 8 
Retail and business banking fees
7 6 8 7 3 3 
Capital markets fees and income 2
— — — — 1 — 
Wealth management fees3 3 5 4 1 1 
Other customer-related fees1 1 1 1 4 3 
Total noninterest income from contracts with customers
29 29 35 34 21 20 
Customer-related noninterest income from other sources
3 2 3 1 4 — 
Total customer-related noninterest income
32 31 38 35 25 20 
Noncustomer-related noninterest income
(1)— — 5 3 — 
Total noninterest income
$31 $31 $38 $40 $28 $20 
TCBWOtherConsolidated Bank
(In millions)202520242025202420252024
Commercial account fees
$2 $2 $— $1 $138 $135 
Card fees 1
1 1 2 1 105 108 
Retail and business banking fees
— — (1)1 54 50 
Capital markets fees and income 2
— — 4 4 16 4 
Wealth management fees— — 2 — 40 40 
Other customer-related fees1 1 20 17 43 41 
Total noninterest income from contracts with customers
4 4 27 24 396 378 
Customer-related noninterest income from other sources
2 2 (1)16 89 88 
Total customer-related noninterest income
6 6 26 40 485 466 
Noncustomer-related noninterest income
— — 49 19 65 41 
Total noninterest income
$6 $6 $75 $59 $550 $507 
1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs are not within the scope of applicable accounting guidance for revenue from contracts with customers.
2 Capital markets fees and income excludes revenue related to real estate capital markets, swaps, loan syndications, foreign exchange activities, and the net CVA, as these items are not within the scope of the applicable accounting guidance for revenue from contracts with customers.
Revenue from contracts with customers did not result in the recognition of significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by the nature of the services provided; however, the time between the satisfaction of performance obligations and receipt of payment is generally not significant.