What is Direct Business Internet Banking?
Direct Business Internet Banking allows California Bank & Trust customers
to bank via the Internet. By using a computer and Internet access, you can
access financial information 24 hours a day, 7 days a week. 
What can I do with Direct Business?
- Pay bills and set up current and future payments;
- Select whom to pay, how much and when
- Retrieve up-to-date balances on your accounts
- Review up to 122 days of account activity (beginning from service activation date)
- View check images online
- Set up account alerts
- Export information into leading accounting software titles, including QuickBooks®
- Transfer funds between authorized accounts
- Combine up to 10 invoices and 2 credit memos in one payment
- View loan and credit card information
- You decide who in your company has what level of authority
- Securely e-mail California Bank & Trust
How do I apply for Direct Business?
View information for Direct Business Internet Banking.
View information for PC Banking for Business.
How much does Direct Business cost?
Your monthly fees are waived for the first 3 months; however, bill payment fees, if applicable, will be charged to your account.
| Direct Business Internet Banking* and Bill Pay |
| Monthly fee for first 3 accounts |
No charge |
| Each additional account over 3 per month |
$5 per account |
| Each bill payment |
$0.50 |
| Transfers between authorized accounts |
No charge |
*Monthly fee for single-users
with up to 3 accounts is waived. Monthly fees
cannot be charged to Account Analysis.
If I have multiple businesses, can I sign them all up for Direct Business?
Direct Business allows you to view accounts which are under one Tax ID Number.
If you have a parent company with smaller entities underneath it, all operating
under various TIN's, you may be interested in CalBank
Network Internet-based Cash Management.
How do I access my accounts with Direct Business?
After your application has been approved, your Welcome Kit will arrive. This kit will include your Company ID which you will need to get started with banking online. To get started, simply go to the CB&T website at www.calbanktrust.com and click on the Direct Business Login button located on the top right.
I have both personal and business accounts with California Bank & Trust;
can I access all accounts with Direct Business?
Yes, you may access both business and personal accounts if your personal accounts are linked to your business profile.
Can I get copies of checks through Direct Business?
Activity posted to your accounts is readily available online. Account information
may be printed or downloaded for offline use. History can be reviewed for
up to 122 days or as long as your accounts have been activated for Direct Business,
whichever is less.
Can I download my information into leading financial software titles?
Account activity and bill payment information history stays on Direct Business for up to 122 days, so you will want to download your history periodically. With Direct Business you can easily export this information to popular financial planning software programs such as QuickBooks®, Quicken® or Microsoft® Money. Direct Business offers easy downloading of your transaction information via a Download button in the Account Detail section
Can I transfer funds between accounts?
Yes, you can transfer between your eligible accounts*. Please check with your
branch for further information on establishing account transfer relationships.
*Federal
law imposes transaction limitations on certain accounts and these limitations,
as disclosed in the Deposit Account Agreement. Disclosure will apply to transactions
initiated through these services.
Can I view and make loan payments with Direct Business?
Direct Business allows you to view your balances for commercial loans. However, it doesn’t allow transactions, such as making payments or transfers. .
Who can I call with questions or if I need technical assistance with Direct Business?
For questions regarding Direct Business Internet Banking, or if you need technical assistance, please contact:
Direct Business Internet Banking Customer Service
Monday through Saturday, 7 a.m. – 7 p.m., PT 1(877) 650-0095
How can I keep my information private?
Direct Business information is secured through the use of a unique User ID/Login ID
and password. You should keep your password confidential and change it frequently
to ensure that no one else can guess it. You should not walk away from your
computer without exiting the system first; when you are finished with Direct
Business, click the SIGNOFF button located at the bottom of the left navigational
toolbar. Once you have signed off, no further transactions can be processed
until you log on to the system again.
How do I enroll for Bill Pay?
You can sign up for Bill Pay online. When setting up specific bill payments, you set the date that the payment is due. The system will automatically calculate the timing and process the payment to arrive on the payment due date.
Please note: the maximum single payment amount allowed is $9,999.99.
What are the system requirements?
Direct Business requires a secure Internet connection with a browser capable of 128-bit SSL encryption, such as Internet Explorer 6.0 or higher (recommended). Direct Business can be accessed by IBM-compatible PC and Mac computers.
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