Zions Bancorporation operates as a multi bank holding company that provides a range of banking and related services in the United States. It offers various commercial and retail banking, and mortgage lending products and services. The bank provides a range of personal banking services, including home mortgages, bankcard, student and other installment loans, home equity lines of credit, checking accounts, savings accounts, time certificates of various types and maturities, trust services, safe deposit facilities, direct deposit, and 24-hour ATM access primarily to individuals. It also offers fixed income trading, correspondent banking, public finance and trust, investment advisory, liquidity, and hedging services; wealth management services; capital markets, public finance, and financial technologies; and small business administration (SBA) lending services, which include SBA 7(a) loans to small businesses and SBA 504 financing; secondary market agricultural real estate mortgage loans; and municipal finance advisory and underwriting services. The bank controls four venture capital funds that provide early-stage capital primarily for start-up companies; and provides check imaging and clearing software, and Web based medical claims tracking and cash management services. In addition, it offers construction and commercial real estate financing; commercial, real estate, and consumer lending; depository services; international banking; cash management; and community development services. The bank has operations primarily in Utah, California, Texas, Arizona, Nevada, Colorado, Idaho, Washington, and Oregon. As of December 31, 2006, it owned and operated 8 commercial banks with approximately 470 offices. Zions Bancorporation was founded in 1955 and is headquartered in Salt Lake City, Utah.