Important disclosures
Owner-Occupied Commercial Real Estate Loans – Inside front cover
Explore your options – page 22
1. Subject to credit approval. Terms, conditions and fees apply. Contact a banker for details.
1. HELOCs and personal loans subject to credit approval. Terms and conditions apply. See banker for details.
Home Equity Line of Credit (HELOC) – Back page
Small Business Administration (SBA) Loans – Page 7
1. Loans subject to credit approval; terms and conditions apply. Minimum loan amount is $10,000. Minimum draw amount is $300. Collateral must be single-family owner-occupied, second home, or investment/rental residential property types, including condos, townhomes and duplexes located in California with a maximum 80% Loan to Value. Properties for sale are not eligible. Property insurance is required. A variable APR of 9.55% - 11.68% based on commitment amount, loan-to- value, lien position and creditworthiness will apply. The lowest advertised 9.55% APR is based on 1st lien position, loan-to- value less than or equal to 60%, and excellent credit history. The variable APR is based on the Prime Rate as stated in The Wall Street Journal plus a margin and is subject to change. Maximum APR is 16%. The interest rate will change effective with changes in the Index. No origination or closing costs on loan amounts up to $500,000 for primary residence. For lines over $500,000, borrower is responsible for third-party costs that may range from $250 to $20,000. Borrower to pay third- party costs on rental properties and 2nd home loan requests when the line is over $250,000. Early closure fees range from $0 - $1,000 and will apply for terminating the plan within the first three years. Rates and terms are subject to change without notice. Other conditions may apply. Contact a local branch for full details.
1. Subject to credit approval. Terms, conditions and fees apply. Contact a banker for details.
Business Checking Accounts – Page 10
1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and the applicable schedule of fees, or speak with a banker for more details.
2. A transaction is a combination of debited items (withdrawals), credited items (deposits), and deposited items per statement cycle, and includes the following: Credits—any deposit into the account; Debits—any withdrawal such as check, draft, ACH or other debit against the account; Deposited items—each individual item that comprises a deposit such as a check or other item deposited.
3. There is a charge per $100 cash deposited over your allowance. Please refer to the applicable fee schedule and account disclosure for additional details.
4. Includes Positive Pay (fraud mitigation), Remote Deposit Capture CB&T, E-Invoicing and Payments (electronic invoicing and payment portal), Anytime Gateway, ACH services, Payroll Services, Lockbox, Investment Sweep account options (which may require a minimum account balance) and more. See Treasury Management for product details and schedule of fees. Certain Treasury Management Services may require credit approval; contract may also apply.
Business Credit Cards – Page 19
1. Credit card accounts are subject to credit approval. Certain terms, conditions, and restrictions apply. See the credit card application and disclosures for more details. Offers are available for new credit card accounts only and subject to change at any time. 2. Amazing Cash® for Business — Cardholder will earn cash back on all net purchases. 3% cash back is earned on office supplies, wireless telephone services, computer network services and telecommunications services and equipment. 2% cash back is earned on airlines and car rentals when the purchase is made directly with the airline or car rental company. 1% cash back is earned on all other purchases. 3% and 2% cash back apply to the first $150,000 in combined purchases per calendar year, then 1% cash back applies thereafter. Cash Back is not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Must have at least $1 earned cash back in order to redeem. Account must be in good standing. See the Amazing Cash for Business Program Terms and Conditions for full details.
A division of Zions Bancorporation, N.A. Member FDIC © 2024 Zions Bancorporation, N.A.
Equal Housing Lender | SBA Preferred Lender | NMLS #467014
33
calbanktrust.com/ inyourcorner
Made with FlippingBook flipbook maker