REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

9 Months Ended

Sep. 30, 2024

Revenue Recognition and Deferred Revenue [Abstract]

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 Bank				CB&T				Amegy
(In millions)	2024		2023		2024		2023		2024		2023
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 fees	5		7		1		1		4		4
Other customer-related fees	2		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
	NBAZ				NSB				Vectra
(In millions)	2024		2023		2024		2023		2024		2023
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 fees	1		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
	TCBW				Other				Consolidated Bank
(In millions)	2024		2023		2024		2023		2024		2023
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 Bank				CB&T				Amegy
(In millions)	2024		2023		2024		2023		2024		2023
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 fees	16		19		3		3		13		13
Other customer-related fees	7		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
	NBAZ				NSB				Vectra
(In millions)	2024		2023		2024		2023		2024		2023
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 fees	3		3		4		4		1		1
Other customer-related fees	1		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
	TCBW				Other				Consolidated Bank
(In millions)	2024		2023		2024		2023		2024		2023
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 fees	1		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