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REVENUE FROM CONTRACTS WITH CUSTOMERS
 9 Months Ended
Sep. 30, 2024
Revenue Recognition and Deferred Revenue [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS REVENUE FROM CONTRACTS WITH CUSTOMERS
We recognize noninterest income from certain contracts with customers when the contractual performance obligations are satisfied. See Note 17 of our 2023 Form 10-K for more information about our revenue from contracts with customers.
Disaggregation of Revenue
The following schedule presents revenue from contracts with customers and a reconciliation to total noninterest income by operating business segment for the three months ended September 30, 2024 and 2023:
Zions BankCB&TAmegy
(In millions)202420232024202320242023
Commercial account fees
$15 $14 $8 $8 $15 $14 
Card fees
12 13 5 5 8 8 
Retail and business banking fees
5 5 3 3 4 3 
Capital markets fees
— — — — — — 
Wealth management fees5 7 1 1 4 4 
Other customer-related fees2 2 2 2 1 2 
Total noninterest income from contracts with customers
39 41 19 19 32 31 
Customer-related noninterest income from other sources
7 6 10 7 10 12 
Total customer-related noninterest income
46 47 29 26 42 43 
Noncustomer-related noninterest income
— 2 2 2 2 3 
Total noninterest income
$46 $49 $31 $28 $44 $46 
NBAZNSBVectra
(In millions)202420232024202320242023
Commercial account fees
$3 $2 $3 $3 $2 $2 
Card fees
4 4 4 4 2 3 
Retail and business banking fees
2 2 3 3 1 1 
Capital markets fees
— — — — — — 
Wealth management fees1 1 2 1 1 — 
Other customer-related fees— — — — 1 1 
Total noninterest income from contracts with customers
10 9 12 11 7 7 
Customer-related noninterest income from other sources
1 1 — 1 — 1 
Total customer-related noninterest income
11 10 12 12 7 8 
Noncustomer-related noninterest income
— — — — — — 
Total noninterest income
$11 $10 $12 $12 $7 $8 
TCBWOtherConsolidated Bank
(In millions)202420232024202320242023
Commercial account fees
$1 $1 $(1)$(1)$46 $43 
Card fees
— 1 1 (1)36 37 
Retail and business banking fees
— — (1)— 17 17 
Capital markets fees
— — 2 1 2 1 
Wealth management fees— — (1)— 13 14 
Other customer-related fees— — 8 7 14 14 
Total noninterest income from contracts with customers
1 2 8 6 128 126 
Customer-related noninterest income from other sources
1 — 4 3 33 31 
Total customer-related noninterest income
2 2 12 9 161 157 
Noncustomer-related noninterest income
— — 7 16 11 23 
Total noninterest income
$2 $2 $19 $25 $172 $180 
The following schedule presents revenue from contracts with customers and a reconciliation to total noninterest income by operating business segment for the nine months ended September 30, 2024 and 2023:
Zions BankCB&TAmegy
(In millions)202420232024202320242023
Commercial account fees
$42 $42 $23 $24 $44 $42 
Card fees
38 39 14 15 23 24 
Retail and business banking fees
14 14 9 8 10 10 
Capital markets fees
— — — — — — 
Wealth management fees16 19 3 3 13 13 
Other customer-related fees7 6 6 6 5 5 
Total noninterest income from contracts with customers
117 120 55 56 95 94 
Customer-related noninterest income from other sources
16 19 26 26 25 29 
Total customer-related noninterest income
133 139 81 82 120 123 
Noncustomer-related noninterest income
3 9 6 5 8 20 
Total noninterest income
$136 $148 $87 $87 $128 $143 
NBAZNSBVectra
(In millions)202420232024202320242023
Commercial account fees
$8 $7 $10 $9 $5 $5 
Card fees
11 11 12 12 8 7 
Retail and business banking fees
6 6 7 7 3 3 
Capital markets fees
— — — — — — 
Wealth management fees3 3 4 4 1 1 
Other customer-related fees1 1 1 1 3 3 
Total noninterest income from contracts with customers
29 28 34 33 20 19 
Customer-related noninterest income from other sources
2 2 1 1 — 2 
Total customer-related noninterest income
31 30 35 34 20 21 
Noncustomer-related noninterest income
— 1 5 — — — 
Total noninterest income
$31 $31 $40 $34 $20 $21 
TCBWOtherConsolidated Bank
(In millions)202420232024202320242023
Commercial account fees
$2 $2 $1 $— $135 $131 
Card fees
1 1 1 1 108 110 
Retail and business banking fees
— — 1 1 50 49 
Capital markets fees
— — 4 2 4 2 
Wealth management fees— — — (2)40 41 
Other customer-related fees1 1 17 22 41 45 
Total noninterest income from contracts with customers
4 4 24 24 378 378 
Customer-related noninterest income from other sources
2 1 16 12 88 92 
Total customer-related noninterest income
6 5 40 36 466 470 
Noncustomer-related noninterest income
— — 19 24 41 59 
Total noninterest income
$6 $5 $59 $60 $507 $529 
Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is generally not significant.