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  <xs:element id="zions_OperatingLeasesOtherExpenses" abstract="false" name="OperatingLeasesOtherExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_A4.48FixedToFloatingSeniorNotesMember" abstract="true" name="A4.48FixedToFloatingSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_ZionsStockCompensationPlanMember" abstract="true" name="ZionsStockCompensationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_LettersOfCreditStandby" abstract="false" name="LettersOfCreditStandby" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_CommercialLettersOfCredit" abstract="false" name="CommercialLettersOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_TotalUnfundedLendingCommitments" abstract="false" name="TotalUnfundedLendingCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="zions_NumberOfCivilCases" abstract="false" name="NumberOfCivilCases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_CaliforniaBankAndTrustSegmentMember" abstract="true" name="CaliforniaBankAndTrustSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="zions_AmegyCorporationSegmentMember" abstract="true" name="AmegyCorporationSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_NevadaStateBankSegmentMember" abstract="true" name="NevadaStateBankSegmentMember" 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_ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember" abstract="true" name="ProductsAndServicesCapitalMarketsAndForeignExchangeFeesMember" 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"/>
  <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_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>
