Personal Banking Products & Services
For the realities of your dreams.
Whatever life throws at you,
hit it out of the park.
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Personal Banking
Life presents us all with a mix of endless possibilities, responsibilities and opportunities. And we all want to be prepared for them. So know that California Bank & Trust (CB&T) is here to help you do just that: be financially prepared for whatever comes your way. Whether it’s the possibility of buying your first home, the responsibility of saving for a college education, or the opportunity to retire sooner than later. As part of Zions Bancorporation, one of the nation’s premier financial services companies, we offer you a full array of financial products and services. All customizable to you and your life’s needs. And all recommended in accordance with how they best align with your life goals. For more than 60 years, we’ve been helping generations of California families achieve their dreams and financial security.
That’s a home run in anybody’s book.
Times change. Needs change. How comforting to know you won’t need to change banks.
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Checking & Savings
Checking
Everyday Checking Accounts For your simple checking account needs Checking with Interest Accounts Earn interest on your account balance and receive loyalty benefits Premium Checking Accounts For higher balances, filled with benefits designed to help elevate your financial management capabilities Specialty Checking Accounts • Providing students (age 25 and under) the tools they need to manage their money • Convenient money management tools for seniors (age 62 and older)
Given our wide array of financial products and services, your relationship with CB&T can be life- long. Our variety of checking and savings accounts serve as the perfect example. You can choose between accounts offering different balance requirements, statement options, interest rates, and even reduce or eliminate fees. Better still, our premium checking accounts provide you with more financial advantages and additional banking services. There are numerous checking and savings account options from which to choose. This gives you more than enough flexibility to change your accounts so you’ll always have the ones that work best for you. And that’s a pretty convincing argument for why CB&T is the bank that will work best for you.
Savings
Savings Accounts Traditional savings accounts and accounts for young savers (age 25 and under) Money Market Accounts Offering competitive tiered interest rates with flexible access to your funds Certificates of Deposit Maximize your savings for a fixed period of time Individual Retirement Accounts Save for retirement with flexible accounts
Depending upon the account type you choose, benefits may include: • Debit Card
• e-Documents • Mobile Banking • Mobile Check Deposit
• Online Banking • Digital Payments
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Life takes money. Sometimes, that means borrowed money.
Be it for things you want, things you need, or things that are a bit of both. At CB&T, we’re here to help you borrow that money as intelligently as possible. We’ll help you figure out which loan products are best for your specific financial situation. What terms make the most sense. And we’ll make sure you consider all the options available to you. After all, don’t you want every decision you make to be a well-informed one? Financing Options 1
Credit Cards
Mortgage Loans
Lines of Credit & Other Loans
Adjustable Rates Fixed Rates Primary Residence, Second Home, Investment Properties
Lot Loans FHA Loans Affordable Housing Mortgages Interest Only (available on select loan programs)
Home Equity Lines of Credit Auto, Boat and RV Loans Personal Loans and Lines of Credit
Personal credit cards offering rewards Personal credit cards offering cash back Personal credit cards offering our lowest rates
Construction to Permanent Loans
1 Subject to credit approval. Terms, conditions and restrictions apply. See banker for details.
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Virtually anything you need to do, done virtually.
Mobile & Online Banking
Check account balances? You bet. Transfer and deposit funds? You got it. Pay bills or a friend? Of course. View checks? No problem. Set up alerts? Absolutely.
Welcome to the virtually perfect online banking solution: DirectNET SM Consumer Online Banking from CB&T. With it, you have 24/7 access to your money and your accounts. You can access your account data directly through financial management software such as Quicken ® and QuickBooks. ® 1 And with CB&T Mobile Banking, you can do most of this from the screen of your favorite mobile device. You’ve never had easier, unlimited access to your accounts or a more convenient way to do, virtually, all your banking.
Online Banking
Mobile Banking 3
Stop Payments Travel Notifications
Travel Notifications Popmoney ® Touch ID Bill Pay e-Documents
24/7 Account Access Fully Encrypted Transfer Funds Wire Transfers Bill Pay e-Documents
Checking, Savings, Loans, Lines of Credit, Credit Card Account Access Transfer Funds Check Deposit Branch/ATM Locator
Use Popmoney ® to pay anyone with just a phone number or email address 2 Export account activity to Quicken, ® QuickBooks ® 2005 or higher accounting software
1 Quicken ® and QuickBooks ® are trademarks of Intuit Inc. Monthly fee of $8 applies after the first 3 months. See the CB&T Service Charge Information Schedule for more information. CB&T does not claim any ownership or exclusive rights to these trademarks. 2 Popmoney ® personal payment services are provided through CheckFreePay Corporation and/or its affiliates. Popmoney ® is a registered trademark of Fiserv, Inc. or its affiliates. See your Popmoney ® Service Agreement for complete details. Popmoney ® service fees apply. Available services are subject to change without notice. Standard text message and data rates from your mobile phone carrier may apply. 3 Mobile banking requires enrollment in online banking. Fees from your wireless provider may apply.
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It’s a great day to be you. And a not-so-great day for anyone pretending to be you.
Security & Fraud Prevention Tools
More financial safety. More transactional security. It’s what you deserve—and it’s what you’ll get—at CB&T. From mobile fraud alerts to chip card technology to digital payment programs, we’re continually improving the ways we help protect you and your money from cyber criminals. That way, you can enjoy all the conveniences your credit and debit cards provide without having to worry about someone else trying to do the same.
Mobile Fraud Monitoring
Digital Payments Replaces your account number with a one- time identifier that is only good for that one transaction and would be meaningless for any other transaction. Apple Pay ® 2
Available with any CB&T Credit or Debit Card Helps prevent fraudulent transactions from processing 24/7 Fraud Monitoring 1 Real-time Alerts Chip Card Technology Zero Liability Purchase Alerts 1
Samsung Pay ® 3 Android Pay ® 4
1 Mobile banking requires enrollment in online banking. Fees from your wireless provider may apply. 2 Apple Pay ® is a trademark of Apple Inc. CB&T does not claim any ownership or exclusive rights to these trademarks. 3 Samsung Pay ® is a registered trademark of Samsung Electronics Co. CB&T does not claim any ownership or exclusive rights to these trademarks. 4 Android Pay ® is a registered trademark of Google Inc. CB&T does not claim any ownership or exclusive rights to these trademarks.
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It doesn’t have to end here.
Call, visit our website or come in and speak to a professional banker today.
(800) 355-0512 calbanktrust.com Come in
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NMLS# 467014 | BK-CB-201 (10/17)
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