ThZeal - The Zeal


United States of America	001-12307	87-0189025
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)


Title of Each Class	Trading Symbol	Name of Each Exchange on Which Registered
Common Stock, par value $0.001	ZION	The NASDAQ Stock Market, LLC
Warrants to Purchase Common Stock (expiring May 22, 2020)	ZIONW	The NASDAQ Stock Market, LLC
Depositary Shares each representing a 1/40th ownership interest in a share of:
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock	ZB/A	New York Stock Exchange
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock	ZB/G	New York Stock Exchange
Series H 5.75% Non-Cumulative Perpetual Preferred Stock	ZB/H	New York Stock Exchange
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028	ZBK	New York Stock Exchange

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange act. ¨

Effective October 1, 2019, Zions Bancorporation, N.A. (the “Bank”) made certain financial reporting changes and reclassifications to noninterest income in its Consolidated Statements of Income. These changes and reclassifications were adopted by the Bank on a retrospective basis. The changes and reclassifications reflect changes only to noninterest income in the Consolidated Statements of Income and do not impact net income, net interest income or noninterest expense.

•"Other service charges, commissions and fees," which was the largest noninterest income line item, has been disaggregated into other noninterest income line items. The majority has been reclassified to a new "Card fees" line item that relates to fees from the Bank's credit and debit card products. The remaining balance of "Other service charges, commissions and fees," was moved primarily to "Loan-related fees and income," "Capital markets and foreign exchange fees," and "Other customer-related fees";

•"Other" noninterest income has been reclassified to "Loan-related fees and income," "Other customer-related fees," and "Dividends and other income";

•A new line item, "Other customer-related fees," was added and primarily consists of the reclassifications described above, compliance-related services, and other fees; and


Exhibit Number			Description
99.1			Revised supplemental information to reflect certain financial reporting changes.
101			Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
104			The cover page from this Current Report on Form 8-K, formatted as Inline XBRL.

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION

By:

/s/ Paul E. Burdiss

Name:

Paul E. Burdiss

Title:

Executive Vice President and Chief Financial Officer


One South Main
Salt Lake City,	Utah	84133
(Address of principal executive offices)			(Zip Code)