BUSINESS ACCESS
In this issue ISSUE 15 | 2023
30
growing business Fund your
GIVING BACK GETS PERSONAL Businesses find new approaches to community giving
02
TIPFLATION Navigating the changing landscape of gratuity
08
FRAUD ALERT Pull the plug on common smartphone scams
10
GOLDEN STATE TREASURES Discover unique gifts straight from the heart of California
12
02
INSPIRING COMMUNITY Banking on artistic expression
16
Does your small (but mighty) business need a general-purpose term loan or a line of credit? Business Access loans 1 from California Bank & Trust offer same-day decisions and expedited funding if your application is approved. Is a Business Access Term Loan or Line of Credit right for you? Business Access loans 1 are ideal for companies with a simple ownership structure and small borrowing needs. If you don’t automatically qualify for conventional financing, apply through Business Access and explore SBA 2 financing eligibility with your banker. Keep your business growing.
HOW TO CREATE A GREAT LEGACY Part three in our series: Putting it all together
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16
INSERT, SWIPE OR TAP Cashless systems boost small-business growth and efficiency
26
PROJECT ACCESS Making a positive impact on our communities
28
ROCK THE CASA Empowering change through music
30
TAKE 5 Q&A with Erica Fernandez, Senior Vice President, Region Manager for Northern California’s Core Banking (Business Centers & Business Banking), California Bank & Trust
32
Learn more and apply 2 now at calbanktrust.com/access SCAN OR
PUBLISHER California Bank & Trust (CB&T) EVP | DIRECTOR OF MARKETING Jathan Segur
COMMUNICATIONS OFFICER | MANAGING EDITOR Tom Stacey
MAGAZINE CONSULTANT Michelle Jacoby
PRODUCTION ASSISTANT Nicolle Lee
CONTRIBUTORS Aram Anthony, Doug Bonderud, Julia De Simone, Bruce Farr, Debra Gelbart, Angela Muniz, Jake Poinier
VP | CREATIVE DIRECTOR Ron Gligic
SENIOR DESIGNERS Nathan Joseph and Diana Ramos
In Your Corner magazine may contain trademarks or trade names owned by parties who are not affiliated with California Bank & Trust, Zions Bancorporation, N.A. or its affiliates. Use of such marks does not imply any sponsorship by or affiliation with third parties, and California Bank & Trust does not claim any ownership of or make representations about products and services offered under or associated with such marks. Articles are offered for informational purposes only and should not be construed as tax, legal, financial or business advice. Please contact a professional about your specific needs and advice.
© 2023 California Bank & Trust. All rights reserved. | A division of Zions Bancorporation, N.A. Member FDIC
See page 33 for important details and disclosures
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