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California Bank And Trust - Personal Banking Options at California Bank and Trust

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California Bank and Trust (CB&T) was official formed in 1998 with the acquisition of three financial institutions by parent company Zions Bancorporation. These three institutions, First Pacific National Bank, Grossmont Bank, and Sumitomo Bank of California, allowed California Bank and Trust to be established with over 40 years of experience behind them. The following year, Regency bank joined the family, and in 2001 Eldorado Bank and Antelope Valley Bank were also folded into the company.

CB&T is largely applauded for offering all the services of larger, national financial institutions while remaining close to the customer and the community through regional structuring. Today, California Bank & Trust is a leading bank in California with statewide branches and assets totaling over $10 billion.

Although exceptional services are available for small businesses, California Bank and Trust prides itself on the personal banking options available to the general public.

Personal banking services are a priority of the company, offering a variety of products to meet the needs and goals of every California resident. Here are some of the most popular banking offerings:

• Checking – Several checking accounts are available with a variety of features. Both limited and unlimited accounts are available, as well as interest-bearing and non-interest-bearing. The CalBank Personal Advantage account can be opened with a $100 minimum deposit and no fees are levied on accounts maintaining a balance of $18,000.

• Savings – Savings accounts can be opened with a minimum $200 deposit and offer higher interest rates than checking accounts. If the savings account is linked to a checking no account, there are no additional fees.

• CDs – Certificates of deposit are available starting at $5,000, and terms range from 30 days to 5 years. Interest is compounded daily.

Personal loans and lines of credit are available from California Bank and Trust to help with major life purchases or to just get some quick cash.

• Mortgages – Mortgages are available for both purchasing a new home and refinancing an existing home.

• Home Equity Lines of Credit – A HELOC can be extended for $10,000 and up to $500,000 or more. Closing costs are waived on extensions of $250,000 or more.

• Auto Loans – Auto loans are available for $2,500 to $100,000 at terms up to 72 months.

• Personal Loans – Personal loans and lines of credit can be approved in amounts from $10,000 to $100,000.

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