Be careful of Zions Bank !!!
If you send money into their bank with an ACH transfer, they will put a HOLD on the money for 45 Business Days.
I can't believe that this is legal 

WOW...I'd get out of that bank...do they even pay you interest on your checking account? I have 2 ACH deposits, from different sources, going into my credit union checking account monthly, no hold time at all. 

Be careful of Zions Bank !!!
If you send money into their bank with an ACH transfer, they will put a HOLD on the money for 45 Business Days.
I can't believe that this is legal 


It's not. If it's a new account then 9 days. If not then the funds have to be made available right away. Go to the Federal people and make a complaint. I bet that policy changes instantly.