Personal Checking & Savings Options
So many choices — all of them good
It’s good to have choices. Even better to have help making them.
Managing your money is a lot easier when you have the right tools. That’s why we provide a wide range of banking products and services, along with the professional guidance to help you choose the ones that best meet your specific needs. Whether you bank in person, online, or with your smartphone, you won’t find an easier or friendlier solution. So take a look at our checking and savings accounts. All of them come with free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of banking professionals is here to help.
Personal Checking & Savings Options
Personal Checking Accounts Anytime Checking Anytime Interest Checking Premium Interest Checking Senior Advantage Checking OnBudget ® Banking Account Personal Savings Accounts Savings
6 7 8 9
10
11 12 13 14 14
Young Savers Money Market
Certificates of Deposit
IRA Money Market
Let us help you choose the accounts that are right for you.
We’re a bank of choice because w
At California Bank & Trust (CB&T), we understand that your n choice of primary checking, specialty checking, savings, and
This chart will help you compare our accounts, so you can fin
Access your accounts online or via our mobile device
You can also talk to live representatives, available M
2
For additional applicable disclosures, please refer to pages 15 – 17
we give you so many choices.
needs are unique. That’s why we give you a d money market accounts.
nd what best fits your needs.
e 24 hours a day, 7 days a week.
Monday through Saturday 6 a.m. to 7p.m.
Personal Checking Accounts
Overview
Interest Paid
Opening Balance Requirement
Online Banking
CB&T Mobile Banking
Visa ® Debit Card
Check Writing
ATM Access
eDocuments
Monthly Maintenance Fee
Avoid the Monthly Maintenance Fee
Monthly Paper Statement Fee
Additional Benefits
Anytime Checking ®
Anytime Checking helps get banking done at your convenience with access to online and mobile banking, mobile apps, and a network of branches and ATMs
N/A
$50
MONEY MANAGEM
Unlimited
Free at all CB&T ATMs 12
C
FEE INFORM
$6
$250 monthly Direct Deposit, 6d or 10 Debit or Credit card 10 transactions or for account holders ages 25 and younger 17
$2 Opt out of paper with eStatements 5
ADDI T IONAL B
See page 6
Anytime Interest Checking ®
Anytime Interest Checking gets you more with convenient online and mobile banking applications, 2 interest on balances, and other loyalty benefits
$50
MENT TOOL S
Unlimited
Three CB&T
One (1) fee waiver per statement month for transactions at non- California Bank & Trust ATMs. ATM operator fees may be assessed. 12
AT ION
$15
Minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000 6, 6a, 6b, 6c
Com
person
$2 Opt out of paper with eStatements 5
BENEFI TS
See page 7
Premium Interest Checking
The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management
Yes, Premium Rate
$50
Unlimited
e (3) fees waived per statement month for transactions at non- ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12
$25
mbined personal deposit balance of $10,000 or a combined nal deposit and personal loan/credit card balance of $25,000 6, 6b, 6c
$2 Opt out of paper with eStatements 5
See page 8
3 For additional applicable disclosures, please refer to pages 15 – 17
You will find descriptions of our account options on the fit a different lifestyle, but all of them come with standa you to easily manage your money when you want and f can answer any questions about the accounts. We’re h
5 For additional applicable disclosures, please refer to pages 15 – 17
e next several pages. Each one is designed to ard time- and money-saving features that allow from where you want. Please let us know if we here to help.
Personal Checking Accounts
Personal Savings Accounts
Savings
Senior Advantage Checking
OnBudget ® Banking Account
Designed for budget-conscious consumers looking for a basic account with a predictable, flat monthly service charge, no overdraft fees, and a digital banking experience
Ideal for customers w want a traditional sav account with a low min balance requireme
This account provides those age 62 or older with convenient money management tools and lower fees
Overview
Overview
Interest Paid
Yes, relationship rat available with Premi Interest Checking
No
No
Interest Paid
Opening Balance Requirement
$50
$25
Opening Balance Requirement
$50
MONEY MANAGEMENT TOOL S
Top Balance Tier
$100,000
Online Banking
Online Banking
CB&T Mobile Banking
CB&T Mobile Banking
Visa ® Debit Card
ATM Access
Check Writing
Unlimited
No
eDocuments
ATM Access
FEE INFO
eDocuments
$5
Monthly Maintenance Fee
FEE INFORMAT ION
Minimum daily balance $200 or by making a qua credit 6e of at least $25 b the last business day o monthly billing cycle o linking to a Premium In Checking account
$5
$5
Monthly Maintenance Fee
Avoid the Monthly Maintenance Fee
Minimum daily balance 6, 6a of $500 or incoming direct deposit 6d of at least $250 per statement month
This account charges a flat $5 a monthly maintenance fee that is not waivable
Avoid the Monthly Maintenance Fee
$2 Opt out of paper with eStatements 5
$2 Opt out of paper w eStatements 5
$0
Monthly Paper Statement Fee
Monthly Paper Statement Fee
ADDI T IONAL BENEFI TS
Additional savings options include Certificates of Deposit (CDs) competitive, fixed interest rate over a variety of term options.
Additional Benefits
See page 9
See page 10
FDIC protection of up to $250,000 per account holder comes sta
4 For additional applicable disclosures, please refer to pages 15 – 17
Young Savers
Money Market
Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances
A savings account for ages 25 and younger 17 that has no monthly service fee
who vings nimum ent
while having flexible access to their funds
tes ium
Yes, relationship rates available with Premium Interest Checking 9
g 9
$5
$500
$50,000
$250,000
ORMAT ION
$0
$12
e 6, 6a of alifying before of the or by nterest t 8
Minimum daily 6, 6a balance of $1,000 or by linking to
Ages 25 and younger
a Premium Interest Checking account 8
$2 Opt out of paper with eStatements 5
$2 Opt out of paper with eStatements 5
with
and Individual Retirement Accounts (IRAs) that provide a
andard with all CB&T bank accounts.
Personal Checking
Anytime Checking
Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • Go paperless with eStatements, eNotices, and eTax Documents 5 Anytime Checking helps get banking done at your convenience with access to online banking, mobile app, and a network of branches and ATMs.
Fees Can the monthly fee be waived?
Yes, enjoy no monthly maintenance fee when you make 10 Debit or Credit card 10,10a purchases or receive at least $250 in direct deposits 6d per statement month, otherwise $6. The fee is also waived for customers 25 years old and younger. 17
6
For additional applicable disclosures, please refer to pages 15 – 17
Features & Benefits • Open your account with a minimum deposit of $50 • Earn interest on the balance in your checking account 1, 13 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Go paperless with eStatements, eNotices, and eTax Documents 5 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • One (1) fee waiver per statement month for transactions at non-California Bank & Trust ATMs. ATM operator fees may be assessed. 12 Anytime Interest Checking Anytime Interest Checking gets you more with convenient online and mobile banking tools, 2 interest on balances, and other loyalty benefits.
Fees Can the monthly fee be waived?
Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000, otherwise $15. 6, 6a, 6b, 6c
For additional applicable disclosures, please refer to pages 15 – 17 7
Personal Checking
Features & Benefits • Open your account with a minimum deposit of $50 • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances 9, 13 • Three (3) fees waived per statement month for transactions at non-CB&T ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12 • No monthly maintenance fee for additional Savings or Money Market accounts linked to your relationship 8 • No fee for one (1) domestic wire transfer into your account each month • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any CB&T ATM 12 • No fee for CB&T Cashier’s Checks Premium Interest Checking The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management.
Fees Can the monthly fee be waived?
Yes, enjoy no monthly maintenance fee when you keep a combined deposit balance of at least $10,000 or a combined deposit and personal loan balance of $25,000 or more, otherwise $25. 6, 6b, 6c
8
For additional applicable disclosures, please refer to pages 15 – 17
Senior Advantage Checking Designed specifically for those age 62 or older, this account provides the features, OnBudget Banking, and discounted fees our customers appreciate. Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any CB&T ATM 12 • Use any ATM in the U.S. and California Bank & Trust will waive the first withdrawal fee at other banks’ ATMs each month 12 • Go paperless with eStatements, eNotices, and eTax Documents 5
Fees Can the monthly fee be waived?
Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance 6, 6a of $500 or make at least $250 in ACH direct deposits 6d per statement month, otherwise $5.
For additional applicable disclosures, please refer to pages 15 – 17 9
Personal Checking
OnBudget Banking Account Designed for the budget-conscious consumers looking for a predictable, flat monthly service change with no overdraft fees and Senior Advantage Checking. Features & Benefits • Open your account with a minimum deposit of $25 • Spend knowing this account cannot go into overdraft status and that means there are no overdraft fees, insufficient funds fees, or sustained overdraft fees • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer • Make sending and receiving money faster and easy by using Zelle in our mobile app and online experience • Skip the branch and deposit checks through our mobile banking app • Shop anywhere Visa is accepted with your CB&T Debit card including support for Apple Pay ® / Google Pay™ / Samsung Pay ® • Get cash when you need it with no charges at any CB&T ATM • Access to free Cashier’s Checks when a paper check is needed • Go paperless with eStatements, eNotices, and eTax Documents • Call our U.S.-based customer service 7 days a week Fees Can the monthly fee be waived? No, this account charges a flat $5 a monthly maintenance fee that is not waivable.
10
For additional applicable disclosures, please refer to pages 15 – 17
Personal Savings
Savings Account Ideal for customers who want a traditional savings account with a low minimum balance requirement. Features & Benefits • Minimum opening deposit of $50 • Variable rate, compounded daily, 13 paid monthly • Get paid on every dollar you save with no minimum balance requirement to earn interest • Avoid a monthly maintenance fee when you keep at least $200 in balances • Establish optional transfers from a checking account to help build savings automatically • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 Withdrawals Transaction limits apply. Make up to six wi thdrawals and transfers each month without a withdrawal fee. 7 Fees Can the monthly fee be waived? Yes, by keeping a minimum daily balance 6, 6a of $200 or by making a qualifying credit 6e of at least $25 to the savings account before the last business day of the monthly billing cycle or by linking to a Premium Interest Checking account otherwise $5. 8
11
For additional applicable disclosures, please refer to pages 15 – 17
Personal Savings
Young Savers Account A savings account for account holders age 25 and younger 17 that has no monthly maintenance fee. Features & Benefits • Minimum opening deposit of $5 • Get paid on every dollar you save with no minimum balance requirement to earn interest • Variable rate, compounded daily, 13 paid monthly • Learn to save while enjoying no minimum balance requirements or monthly maintenance fees • Establish optional transfers from a checking account to help build savings automatically • Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 for qualifying account holders Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7
Fees Can the monthly fee be waived? There are no monthly maintenance fees for savers age 25 and younger.
12
For additional applicable disclosures, please refer to pages 15 – 17
Money Market Account Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances while having flexible access to their funds. Features & Benefits • Minimum opening deposit of $500 • Variable rate, compounded daily, 13 paid monthly • Earn a more competitive interest rate 13 than traditional savings accounts on balances over $1,000 • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Make unlimited withdrawals at a California Bank & Trust branch or ATM 12 • Write checks for extra flexibility in accessing your Money Market funds 7 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7
Fees Can the monthly fee be waived?
Yes, by keeping a minimum daily 6, 6a balance of $1,000, or by linking to a Premium Interest Checking account, 8 otherwise $12.
13
For additional applicable disclosures, please refer to pages 15 – 17
Personal Savings
Certificate of Deposit Use a Certificate of Deposit to maximize your savings for a fixed period of time. Features & Benefits: • Fixed interest rate, compounded daily 15 • Deposits are insured by the FDIC to at least $250,000 • Choose a flexible savings term between 28 days and 5 years 14 • Earn a competitive interest rate on money you don’t need to access right away • Save for retirement by opening an IRA Certificate of Deposit 16 • Use online banking and mobile banking to view balances through a mobile phone, tablet, or computer 2 Withdrawals: Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date. * Fees: Can the monthly fee be waived? There are no monthly maintenance fees for Certificates of Deposit. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 16 IRA Money Market Save for retirement with a product that gives you the flexibility to make additional deposits automatically or as needed. Features & Benefits: • Earn a Money Market interest rate while saving for retirement • Make additional deposits to your account at any time • Use online banking to manage finances on your time through a mobile phone, tablet, or computer 2 • Deposits are insured by the FDIC to at least $250,000 Withdrawals: Withdrawals 7 made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Please consult your tax adviser before making withdrawals from an IRA account. 16 Fees: Can the monthly fee be waived? There is no monthly maintenance fee with this account. There is an annual maintenance fee of $15 per plan holder.
For additional applicable disclosures, please refer to pages 15 – 17 * Early withdrawal penalty applies to withdrawal of funds before maturity, regardless of whether you are eligible to begin receiving plan disbursements. 14
Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Personal Banking Deposit Rate sheet, and the applicable schedule of fees, or speak with a banker for more details. 2. Online & Mobile Banking – Mobile banking is included at no cost from California Bank & Trust. Requires download of CB&T Mobile Banking app from the Apple ® App Store or Google Play ® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Subject to the terms and conditions of the Digital Banking Service Agreement. 3. Mobile Deposits – Take a picture of your check deposit and submit through your mobile device. Limits apply: see Personal Service Charge Information for more details. Message and data rates from your wireless provider may apply. Requires download of the CB&T Mobile Banking app. 4. Zelle ® – U.S. checking or savings account required to use Zelle ® . Transactions between enrolled users typically occur in minutes. See your Zelle ® Payment Service Agreement for more details. Standard text and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. Zelle ® is intended for sending money to family, friends and people you know and trust. It is recommended that you do not use Zelle ® to send money to people you don’t know. Neither Zions Bancorporation, N.A. nor Zelle ® offer a protection program for any authorized purchase made with Zelle ® . Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC. and are used herein under license. 5. eDocuments – To avoid the Paper Statement Fee of $2, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements.
For additional applicable disclosures, please refer to pages 15 – 17 15
Important Account Disclosures
6. Maintenance Fee Waiver – In order to avoid a monthly maintenance fee, the balance requirement must be met. The monthly maintenance fee amount is provided as part of the disclosures upon account opening. 6a. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly maintenance fee will be assessed. 6b. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. 6c. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts. 6d: Direct Deposit: A direct deposit is an electronic credit to your account. Transfers from one account to another or deposits made at a banking center do not qualify as a direct deposit. All direct deposits made during the statement month are added together to determine the total direct deposit amount used to waive the monthly maintenance fee. 6e. A qualifying credit may include any of the following: ATM check or ACH direct deposit, an ATM transfer from your checking to the savings or banker- assisted transfer to the savings described above, and any book, preauthorized credit, or sweep transfer. 7. Excessive Savings or Money Market Withdrawals – There is a limit of six (6) withdrawals in a monthly statement cycle if the withdrawals are by check, debit card, or pre-authorized, made by telephone, or made by an online or mobile transfer of funds. If you make more than six limited withdrawals in a statement cycle, you may incur a fee for each excess withdrawal. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. 8. Linked Account Benefit – Monthly service fees are waived when the primary owner of the checking account is also an owner on the linked account. 9. Premium Rate Tier – Premium rate tiers are applied automatically to linked money market or savings accounts, CDs, and IRA accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. Please see Consumer Deposit Rate Sheet for details. 10. Credit Cards – Credit Cards are subject to credit approval. Terms, conditions, and restrictions apply; see banker for details. 10a. All debit and credit card purchase transaction counts are added together to waive the monthly maintenance fee. Debit and credit card purchases must post and clear your account in order to be counted for the monthly maintenance fee waiver, and must be made within the past 30 days of your statement cycle. Credit cards subject to credit approval.
16
For additional applicable disclosures, please refer to pages 15 – 17
11. Trademarks – Apple Pay ® , Samsung Pay™, and Google Pay ® Trademarks used are the property of their registered owner and Zions Bancorporation, N.A. is neither affiliated with nor endorses these companies or their products/services. Visa ® is the registered trademark of Visa International Service Association and California Bank & Trust does not claim any ownership or exclusive rights to the use of this trademark. 12. ATM Charges – An ATM charge may apply to withdrawals conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Other bank or ATM operator fees may also apply any transaction conducted at an ATM not owned by Zions Bancorporation, N.A. Please see the applicable schedule of fees for additional ATM fee details. Select California Bank & Trust Checking accounts include waivers of California Bank & Trust ATM fees and/or rebates of charges from the non-Zions Bancorporation, N.A. ATMs. International ATM transactions are not waived or rebated. 13. Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a branch for details. 14. Certificates of Deposit Interest – Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. 15. Fixed Interest Rate on Certificates of Deposit – Your disclosed interest rate will not change until the CD renews at first maturity. Your CD will renew automatically at maturity for a similar period unless we send you notice of nonrenewal. We will send a notice before maturity to provide you with an opportunity to prevent renewal during the grace period. 16. IRA Withdrawals and Fees – IRA account must be single owner. Annual contribution limits may apply. Please consult your tax professional for information regarding tax deductibility, required distributions, and before making withdrawals. Withdrawals made from an IRA product before age 59 1/2 may be subject to Federal taxes and penalties. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 17. Age-based Waiver – Anytime Checking and Young Savers discounts/waivers are open only to customers age 18-25. At age 26, the discount/waiver will automatically expire. Checking accounts are not available for ages 17 and under. Please refer to your Account Disclosure document(s) for complete information. 18. Overdraft Protection Services: Optional overdraft protection services are available; subject to application and credit approval. Overdraft fees and applicable transfer fees may apply. See the Deposit Account Agreement and the applicable schedule of fees for details. These optional services help you prevent overdraft transactions.
For additional applicable disclosures, please refer to pages 15 – 17 17
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