Our Reg E disclosure given at account opening does not include the VISA zero liability information. This information is included in the cardholder agreement when a card is added to the account which may occur at account opening. Is this okay or should the initial Reg E disclosure include everything?

There is no requirement that you provide the card-related Reg E disclosures at account opening, and you should be providing them a second time with a new card anyhow to satisfy the "proximate in time" delivery requirement.