The Great Gan Xingba wrote:Guys, Zhao Yun probably never did an act of that caliber. Luo Guanzhong was an ENORMOUS Shu fanboy, and he greatly romanticised their image. Dian Wei and Zhou Tai, in my opinion, are equally great, both are fierce, dedicated bodyguards. Zhao Yun, however, is greatly beneath them.
OK, there is a debate on whether Zhao Yun's actions at Chang Ban were exaggerated (I'm sure Elitemsh will enlighten you on the arguments in Zhao Yun's favour) however there is also his actions at Han Zhong that you have to take in to account. This achievement was actually given to ZGL in the novel rather than Zhao Yun however you can find it written in his SGZ:
In the twenty-fourth year of JianAn (AD 219), Zhao Yun went with Liu Bei to attack Hanzhong. After the Shu army had killed Xiahou Yuan, Cao Cao gathered a large army to Hanzhong in response. There was an incident whereby the Cao army was transporting a large supply of grain to the bottom of the Northern Mountain. Huang Zhong saw that as an opportunity to intercept the food supply and he led his followers as well as Zhao Yun’s to attack the food supply chain. When Huang Zhong failed to return by the scheduled time, Zhao Yun brought along some light cavalry to assist Huang Zhong. After a short period of journeying, they met up with Cao Cao’s main force. Zhao Yun fought with Cao Cao’s vanguard but the latter’s troops were quickly reinforced in large amounts, forcing Zhao Yun to beat a retreat. The Cao army had Zhao Yun’s troops surrounded and by the time Zhao Yun managed to break out of the enemies’ lines, he realized that his subordinate Zhang Zhu was injured. Zhao Yun charged back into the enemies’ midst to rescue Zhang Zhu before they retreated back to their camp. At that time, the governor of Mianyang county Zhang Yi was helping to defend the camp. When he saw the size of the Cao army coming, he shut the gates and refused to defend. Zhao Yun realized of the immensity of the enemy’s troops and found it impossible to defend the camp. Thus he ordered for the gates to be opened, the flags taken down and the beating of drums ceased. When the Cao army arrived at the camp, they suspected of a possible ambush and retreated hastily. Zhao Yun then ordered for the drums to be beaten and also arrows be shot. The Cao army was taken by surprise by the sudden noise and was put to disarray and stampeding and many were drowned in the River Han nearby. The next day, Liu Bei came to Zhao Yun’s camp to inspect the outcome of the battle and could not help but praise Zhao Yun for his bravery. From then on, Zhao Yun was nicknamed among the Shu army as General of Tiger Valor (Hu Wei Jiang Jun).