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        <link:definition>9952167 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS</link:definition>
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        <link:definition>9952171 - Disclosure - SHAREHOLDERS' EQUITY</link:definition>
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        <link:definition>9952172 - Disclosure - REGULATORY MATTERS</link:definition>
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        <link:definition>9952173 - Disclosure - COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES</link:definition>
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        <link:definition>9955517 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables)</link:definition>
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        <link:definition>9955521 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)</link:definition>
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        <link:definition>9955523 - Disclosure - SHORT-TERM BORROWINGS (Tables)</link:definition>
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        <link:definition>9955524 - Disclosure - LONG-TERM DEBT (Tables)</link:definition>
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        <link:definition>9955525 - Disclosure - SHAREHOLDERS' EQUITY (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="SHAREBASEDCOMPENSATIONTables" roleURI="http://www.zionsbancorp.com/role/SHAREBASEDCOMPENSATIONTables">
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9955530 - Disclosure - INCOME TAXES (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9955531 - Disclosure - NET EARNINGS PER COMMON SHARE (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="OPERATINGSEGMENTINFORMATIONTables" roleURI="http://www.zionsbancorp.com/role/OPERATINGSEGMENTINFORMATIONTables">
        <link:definition>9955532 - Disclosure - OPERATING SEGMENT INFORMATION (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="QUARTERLYFINANCIALINFORMATIONUNAUDITEDTables" roleURI="http://www.zionsbancorp.com/role/QUARTERLYFINANCIALINFORMATIONUNAUDITEDTables">
        <link:definition>9955533 - Disclosure - QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)</link:definition>
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      <link:roleType id="SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails" roleURI="http://www.zionsbancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails">
        <link:definition>9955534 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9955535 - Disclosure - FAIR VALUE (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details)</link:definition>
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      <link:roleType id="FAIRVALUENarrativeDetails" roleURI="http://www.zionsbancorp.com/role/FAIRVALUENarrativeDetails">
        <link:definition>9955536 - Disclosure - FAIR VALUE (Narrative) (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="FAIRVALUEScheduleofAssetsandLiabilitiesMeasuredatFairValuebyClassonaRecurringBasisUsingLevel3InputsDetails" roleURI="http://www.zionsbancorp.com/role/FAIRVALUEScheduleofAssetsandLiabilitiesMeasuredatFairValuebyClassonaRecurringBasisUsingLevel3InputsDetails">
        <link:definition>9955537 - Disclosure - FAIR VALUE (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs) (Details)</link:definition>
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      <link:roleType id="FAIRVALUEScheduleofRealizedGainsLossesUsingLevel3InputsDetails" roleURI="http://www.zionsbancorp.com/role/FAIRVALUEScheduleofRealizedGainsLossesUsingLevel3InputsDetails">
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      <link:roleType id="FAIRVALUEScheduleofCarryingValuesandEstimatedFairValuesofFinancialInstrumentsDetails" roleURI="http://www.zionsbancorp.com/role/FAIRVALUEScheduleofCarryingValuesandEstimatedFairValuesofFinancialInstrumentsDetails">
        <link:definition>9955539 - Disclosure - FAIR VALUE (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details)</link:definition>
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        <link:definition>9955540 - Disclosure - OFFSETTING ASSETS AND LIABILITIES (Details)</link:definition>
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      <link:roleType id="OFFSETTINGASSETSANDLIABILITIESDetails_1" roleURI="http://www.zionsbancorp.com/role/OFFSETTINGASSETSANDLIABILITIESDetails_1">
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="INVESTMENTSECURITIESSummaryofInvestmentSecuritiesDetails" roleURI="http://www.zionsbancorp.com/role/INVESTMENTSECURITIESSummaryofInvestmentSecuritiesDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>9955543 - Disclosure - INVESTMENT SECURITIES (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details)</link:definition>
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      <link:roleType id="INVESTMENTSECURITIESScheduleofInvestmentSecuritiesTaxableandNontaxableDetails" roleURI="http://www.zionsbancorp.com/role/INVESTMENTSECURITIESScheduleofInvestmentSecuritiesTaxableandNontaxableDetails">
        <link:definition>9955544 - Disclosure - INVESTMENT SECURITIES (Schedule of Investment Securities, Taxable and Nontaxable) (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="INVESTMENTSECURITIESContractualMaturitiesDebtSecuritiesDetails" roleURI="http://www.zionsbancorp.com/role/INVESTMENTSECURITIESContractualMaturitiesDebtSecuritiesDetails">
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        <link:definition>9955546 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Major Portfolio Segment and Specific Loan Class) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESNarrativeDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESNarrativeDetails">
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESLoansHeldForSaleDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESLoansHeldForSaleDetails">
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        <link:definition>9955549 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Changes in the Allowance for Credit Losses) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofNonaccrualLoansDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofNonaccrualLoansDetails">
        <link:definition>9955550 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Nonaccrual Loans) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofAccruedInterestReceivablesReversedDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofAccruedInterestReceivablesReversedDetails">
        <link:definition>9955551 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Accrued Interest Receivables Reversed) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofPastDueLoansAccruingandNonaccruingDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofPastDueLoansAccruingandNonaccruingDetails">
        <link:definition>9955552 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofOutstandingLoanBalancesAccruingandNonaccruingCategorizedbyCreditQualityIndicatorsCurrentYearDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofOutstandingLoanBalancesAccruingandNonaccruingCategorizedbyCreditQualityIndicatorsCurrentYearDetails">
        <link:definition>9955553 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Current Year) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofOutstandingLoanBalancesAccruingandNonaccruingCategorizedbyCreditQualityIndicatorsPriorYearDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofOutstandingLoanBalancesAccruingandNonaccruingCategorizedbyCreditQualityIndicatorsPriorYearDetails">
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofGrossChargeoffsbyLoanOriginationYearDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofGrossChargeoffsbyLoanOriginationYearDetails">
        <link:definition>9955555 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Gross Charge-offs by Loan Origination Year) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofSelectedInformationonModifiedLoansDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofSelectedInformationonModifiedLoansDetails">
        <link:definition>9955556 - Disclosure - LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Selected Information on Modified Loans) (Details)</link:definition>
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      <link:roleType id="LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofFinancialImpactofLoanModificationsDetails" roleURI="http://www.zionsbancorp.com/role/LOANSLEASESANDALLOWANCEFORCREDITLOSSESSummaryofFinancialImpactofLoanModificationsDetails">
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      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESNotionalandRecordedFairValuesDetails" roleURI="http://www.zionsbancorp.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESNotionalandRecordedFairValuesDetails">
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      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESDerivativesNotDesignatedAsHedgesDetails" roleURI="http://www.zionsbancorp.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESDerivativesNotDesignatedAsHedgesDetails">
        <link:definition>9955563 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Derivatives Not Designated As Hedges) (Details)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESGainlossrecordedinincomeDetails" roleURI="http://www.zionsbancorp.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESGainlossrecordedinincomeDetails">
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      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESLongtermdebthedgeditemsDetails" roleURI="http://www.zionsbancorp.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESLongtermdebthedgeditemsDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="LEASESNarrativeDetails" roleURI="http://www.zionsbancorp.com/role/LEASESNarrativeDetails">
        <link:definition>9955566 - Disclosure - LEASES (Narrative) (Details)</link:definition>
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      <link:roleType id="LEASESAssetsandLiabilitiesDetails" roleURI="http://www.zionsbancorp.com/role/LEASESAssetsandLiabilitiesDetails">
        <link:definition>9955567 - Disclosure - LEASES (Assets and Liabilities) (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="LEASESComponentsofLeaseExpenseDetails" roleURI="http://www.zionsbancorp.com/role/LEASESComponentsofLeaseExpenseDetails">
        <link:definition>9955568 - Disclosure - LEASES (Components of Lease Expense) (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="LEASESMaturitiesAnalysisDetails" roleURI="http://www.zionsbancorp.com/role/LEASESMaturitiesAnalysisDetails">
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        <link:usedOn>link:calculationLink</link:usedOn>
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  <xs:element id="zions_DebtSecuritiesExcludingTradingSecurities" abstract="false" name="DebtSecuritiesExcludingTradingSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_FinancingReceivableAndOffBalanceSheetLiabilityCreditLossExpenseReversal" abstract="false" name="FinancingReceivableAndOffBalanceSheetLiabilityCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_CommercialAccountFees" abstract="false" name="CommercialAccountFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_CardFees" abstract="false" name="CardFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_RetailAndBusinessBankingFees" abstract="false" name="RetailAndBusinessBankingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_CapitalMarketFeesAndIncome" abstract="false" name="CapitalMarketFeesAndIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_OtherCustomerRelatedFees" abstract="false" name="OtherCustomerRelatedFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_MarketingAndBusinessDevelopmentExpense" abstract="false" name="MarketingAndBusinessDevelopmentExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_CreditAndCollectionServices" abstract="false" name="CreditAndCollectionServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_PreferredStockRedemption" abstract="false" name="PreferredStockRedemption" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_TransferOfPortfolioLoansAndLeasesToHeldForSaleAndTransferOfLoansHeldForSaleToPortfolioLoansNet" abstract="false" name="TransferOfPortfolioLoansAndLeasesToHeldForSaleAndTransferOfLoansHeldForSaleToPortfolioLoansNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_TradingSecuritiesReclassifiedToMoneyMarketInvestments" abstract="false" name="TradingSecuritiesReclassifiedToMoneyMarketInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_OtherNoninterestBearingInvestmentsPolicyTextBlock" abstract="false" name="OtherNoninterestBearingInvestmentsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="zions_TaxandNontaxableInterestIncomebyInvestmentTypeTableTextBlock" abstract="false" name="TaxandNontaxableInterestIncomebyInvestmentTypeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="zions_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNoninterestIncome" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNoninterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_FinancingReceivableAfterAllowanceForCreditLossAndHeldForSaleNotPartOfDisposalGroup" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossAndHeldForSaleNotPartOfDisposalGroup" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_ConstructionAndOtherConsumerRealEstateMember" abstract="true" name="ConstructionAndOtherConsumerRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_BankcardAndOtherRevolvingPlansMember" abstract="true" name="BankcardAndOtherRevolvingPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_FinancingReceivableCommitmentsThresholdForRiskClassificationApproach" abstract="false" name="FinancingReceivableCommitmentsThresholdForRiskClassificationApproach" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_FinancingReceivableExcludingAccruedInterestNonaccruingLoanThresholdForEvaluatingIndividually" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccruingLoanThresholdForEvaluatingIndividually" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_FinancingReceivableExcludingAccruedInterestModifiedInPeriodPrincipalAmountForgiven" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodPrincipalAmountForgiven" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_FinancingReceivableAndOffBalanceSheetLiabilityAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAndOffBalanceSheetLiabilityAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_AccruingSubstandardMember" abstract="true" name="AccruingSubstandardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_MultipleModificationTypesMember" abstract="true" name="MultipleModificationTypesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_AgricultureProductionAndIndustrialBuildingsMember" abstract="true" name="AgricultureProductionAndIndustrialBuildingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_MultifamilyApartmentsMember" abstract="true" name="MultifamilyApartmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_RetailFacilityMember" abstract="true" name="RetailFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_HedgesOfFloatingRateAssetsMember" abstract="true" name="HedgesOfFloatingRateAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_HedgesOfFloatingRateLiabilitiesMember" abstract="true" name="HedgesOfFloatingRateLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_HedgesOfFixedRateLiabilitiesMember" abstract="true" name="HedgesOfFixedRateLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_InterestRateSwapsForCustomersMember" abstract="true" name="InterestRateSwapsForCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_PurchasedCreditDerivativeMember" abstract="true" name="PurchasedCreditDerivativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_DerivativeInstrumentNoninterestIncomeExpense" abstract="false" name="DerivativeInstrumentNoninterestIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_CapitalizedComputerSoftwareAdditionsNotYetDepreciating" abstract="false" name="CapitalizedComputerSoftwareAdditionsNotYetDepreciating" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_CaliforniaBankAndTrustSegmentMember" abstract="true" name="CaliforniaBankAndTrustSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ZionsBankSegmentMember" abstract="true" name="ZionsBankSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_NevadaStateBankSegmentMember" abstract="true" name="NevadaStateBankSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_FirstBankCoachellaValleyBranchesMember" abstract="true" name="FirstBankCoachellaValleyBranchesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_NumberOfBranchesAcquired" abstract="false" name="NumberOfBranchesAcquired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="zions_SwapMarginCollateralMember" abstract="true" name="SwapMarginCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_PercentageOfOutstandingAdvanceForUnencumberedCollateral" abstract="false" name="PercentageOfOutstandingAdvanceForUnencumberedCollateral" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_SeniorNotesInterestRate4.70PercentMember" abstract="true" name="SeniorNotesInterestRate4.70PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_SubordinatedNotesInterestRate6.82PercentMember" abstract="true" name="SubordinatedNotesInterestRate6.82PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_SubordinatedNotesInterestRate325PercentMember" abstract="true" name="SubordinatedNotesInterestRate325PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_SubordinatedNotesParAmount" abstract="false" name="SubordinatedNotesParAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidYearThree" abstract="false" name="LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidYearFive" abstract="false" name="LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidAfterYearFive" abstract="false" name="LongTermDebtMaturityAndFinanceLeaseLiabilityToBePaidAfterYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_PreferredStockLiquidationPreferencePerDepositaryShare" abstract="false" name="PreferredStockLiquidationPreferencePerDepositaryShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="zions_DepositarySharePreferredStockOwnershipInterest" abstract="false" name="DepositarySharePreferredStockOwnershipInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_CommonStockAndAdditionalPaidInCapital" abstract="false" name="CommonStockAndAdditionalPaidInCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_CommonStockAndAdditionalPaidInCapitalChange" abstract="false" name="CommonStockAndAdditionalPaidInCapitalChange" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_PreferredStockDividendPaymentRateBasisSpreadOnVariableRate" abstract="false" name="PreferredStockDividendPaymentRateBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_ShareRepurchaseProgramPubliclyAnnouncedMember" abstract="true" name="ShareRepurchaseProgramPubliclyAnnouncedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ShareRepurchaseProgramStockCompensationPlanMember" abstract="true" name="ShareRepurchaseProgramStockCompensationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_InterestAndFeeIncomeLoansAndLeasesAndInterestExpenseBorrowings" abstract="false" name="InterestAndFeeIncomeLoansAndLeasesAndInterestExpenseBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessActual" abstract="false" name="BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="zions_BankingRegulationTier1LeverageCapitalRatioExcessActual" abstract="false" name="BankingRegulationTier1LeverageCapitalRatioExcessActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="zions_CommitmentsToExtendCreditExpiringInOneYear" abstract="false" name="CommitmentsToExtendCreditExpiringInOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_SoldMortgageLoansLimitedRecourseProvisionPeriod" abstract="false" name="SoldMortgageLoansLimitedRecourseProvisionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="zions_NumberOfCivilCases" abstract="false" name="NumberOfCivilCases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="zions_NationalBankOfArizonaSegmentMember" abstract="true" name="NationalBankOfArizonaSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_VectraBankColoradoSegmentMember" abstract="true" name="VectraBankColoradoSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_CommerceBankOfWashingtonSegmentMember" abstract="true" name="CommerceBankOfWashingtonSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_CorporateReconcilingItemsAndEliminationsMember" abstract="true" name="CorporateReconcilingItemsAndEliminationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesCommercialAccountFeesMember" abstract="true" name="ProductsAndServicesCommercialAccountFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesCardFeesMember" abstract="true" name="ProductsAndServicesCardFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesRetailAndBusinessBankingFeesMember" abstract="true" name="ProductsAndServicesRetailAndBusinessBankingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesCapitalMarketsFeesMember" abstract="true" name="ProductsAndServicesCapitalMarketsFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesWealthManagementFeesMember" abstract="true" name="ProductsAndServicesWealthManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ProductsAndServicesOtherCustomerRelatedFeesMember" abstract="true" name="ProductsAndServicesOtherCustomerRelatedFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_DefinedContributionPlanMatchingTrancheOneMember" abstract="true" name="DefinedContributionPlanMatchingTrancheOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_DefinedContributionPlanEmployerDiscretionaryContributionPercent" abstract="false" name="DefinedContributionPlanEmployerDiscretionaryContributionPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTermExcludingStockOptionsWithoutFixedExpirationDate" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTermExcludingStockOptionsWithoutFixedExpirationDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="zions_ShareBasedCompensationArrangementByShareBasedPaymentAwardRatioOfCommonStockToShareBasedPaymentAward" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardRatioOfCommonStockToShareBasedPaymentAward" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="zions_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndExpectedToVestOutstandingNumber" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndExpectedToVestOutstandingNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="zions_ExercisePriceRangeFourPointOneFiveToNineteenPointNineNineMember" abstract="true" name="ExercisePriceRangeFourPointOneFiveToNineteenPointNineNineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ExercisePriceRangeFortyPointZeroZeroToFortyFourPointNineNineMember" abstract="true" name="ExercisePriceRangeFortyPointZeroZeroToFortyFourPointNineNineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="zions_ExercisePriceRangeSixtyPointZeroZeroToSeventyThreePointTwoTwoMember" abstract="true" name="ExercisePriceRangeSixtyPointZeroZeroToSeventyThreePointTwoTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_StockOptionsWithoutAFixedExpirationDate" abstract="false" name="StockOptionsWithoutAFixedExpirationDate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="zions_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseDisallowedInterestExpenseAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseDisallowedInterestExpenseAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFDICPremiumExpenseAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFDICPremiumExpenseAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="zions_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseDisallowedInterestExpensePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseDisallowedInterestExpensePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFDICPremiumExpensePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseFDICPremiumExpensePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOtherPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOtherPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="zions_DeferredTaxAssetsSecurityInvestmentsAndDerivativeFairValueAdjustments" abstract="false" name="DeferredTaxAssetsSecurityInvestmentsAndDerivativeFairValueAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DeferredTaxAssetsLeaseLiabilities" abstract="false" name="DeferredTaxAssetsLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" abstract="false" name="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DeferredTaxLiabilitiesRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DeferredTaxLiabilitiesQualifiedOpportunityFundDeferredGains" abstract="false" name="DeferredTaxLiabilitiesQualifiedOpportunityFundDeferredGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DeferredTaxAssetsNetOperatingLossesCapitalLossesAndTaxCredits" abstract="false" name="DeferredTaxAssetsNetOperatingLossesCapitalLossesAndTaxCredits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_UndistributedEarningsApplicabletoNonvestedShares" abstract="false" name="UndistributedEarningsApplicabletoNonvestedShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_DilutiveEffectofStockOptions" abstract="false" name="DilutiveEffectofStockOptions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="zions_RestrictedStockAndRestrictedStockUnitsRSUsMember" abstract="true" name="RestrictedStockAndRestrictedStockUnitsRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivables" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_NoninterestIncomeAdjusted" abstract="false" name="NoninterestIncomeAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_OtherDirectExpenses" abstract="false" name="OtherDirectExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_NoninterestExpenseIndirectAndAllocatedExpenses" abstract="false" name="NoninterestExpenseIndirectAndAllocatedExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_AverageLoansAndLeases" abstract="false" name="AverageLoansAndLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_AverageDeposits" abstract="false" name="AverageDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
