POINT AND CLICK YOUR WAY TO CASH MANAGEMENT

With CalBank Network^SM, California Bank & Trust’s “Gateway to Electronic Cash Management”, access to critical information and money management tools has never been easier or quicker. Available through the Internet or through a direct connection into CB&T (intranet), CalBank Network offers a comprehensive portfolio of cash management and image delivery products.

Using popular browser software, you can monitor account activity, view images of checks and deposits, and initiate transactions. And by utilizing unique IDs, password authentication, data encryption, and Internet security protocol, you can be assured that all of your online cash management activities are secure.

CalBank Network offers:

• Balance Reporting, including Previous Day and Same Day activity on your CB&T accounts, with electronic images of checks paid and deposited items. Prior day balances are also available for your accounts at other financial institutions, providing a consolidated view of your cash position. Data can be exported to other applications in a variety of file formats.
  
  
• Online Stop Payments, with paid check images. Inquire on check status, place stop payments, view paid check images, cancel stops, and view online status of active stop payment requests.
  
  
• Immediate Book Transfers, for movement of funds between your CB&T accounts for instant posting.
  
  
• Wire Transfer and ACH (Automated Clearing House) transaction initiation for your daily electronic disbursement and collection activities.
  
  
• Controlled Disbursement Reporting for early morning notification of your funding requirements for the day, as well as details of the individual items that are clearing.
  
  
• Image Positive Pay for check fraud protection, allowing you to view images of exception items and provide check payment/return instructions online (used with CB&T’s Account Reconciliation service).
  
  
• Electronic statements, typically available online by the first business day after generation—including Checking Account, Account Analysis, Corporate CashSweep, and Commercial Loan Balances. Reports of ACH returns and Electronic Data Interchange (EDI) are also available in electronic form.

Advantages of CB&T’s CalBank Network:

Single platform for all activities, providing the convenience of learning and operating only one service.

Convenient access to account information and the ability to move funds -- anytime, anywhere via the Internet.

Time/cost savings with access to electronic images of your paid check and deposit activity, including deposited items, eliminating the need to store and search through paper records.

Earlier access to monthly statements, since electronic versions are typically available the next-business day after statement generation.

Check fraud protection with the ability through the Positive Pay module to view suspect checks being presented and make payment/return decisions.