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Contact a Business Banker at (800) 355-0507 or visit a branch near you.

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Business Analyzed Checking

Do you have a higher level of banking activity? Get information on our Business Analyzed Checking solution.

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Community Checking

Manage the complexity of your nonprofit organization with an account designed for 501(c)(3) and 501(c)(4) charitable organizations dedicated to improving our community.

Considerations Details

Opening Balance


Monthly Transactions Volume

  • Conduct up to 350 deposit or withdrawal transactions per month at no charge1
  • Deposit up to $15,000 in cash per month without a fee2

Can the Monthly Service Fee Be Waived?

Yes,3 by maintaining a minimum daily balance4 of $1,000 or a combined business deposit/loan5 /credit card6 balance of $10,000, or by paying a minimum amount of $150 for other qualified banking services during the month7

Monthly Paper Statement Fee

No charge, if you opt out of paper statements in favor of eStatements8

Features and Benefits

  • Earn premium interest rates9 on eligible Savings and Money Market accounts10
  • Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Business Online Banking11
  • Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently12
  • Use Business Online Banking and Business Online Bill Pay to manage finances on your time through a mobile phone, tablet, or computer13
  • Skip the branch and deposit checks through your mobile device with Mobile Deposit14
  • Get cash when you need it with no ATM charges at any California Bank & Trust ATM15


Apply in person at one of our locations.

Need more checks? Reordering checks is a snap with our preferred check provider.

Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Business Account Schedule of Fees, or speak with a banker for more details.

1. Monthly Transaction Limits Transaction: 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.

2. Cash Deposit Limits – There is a charge per $100 cash deposited over your allowance. Please refer to the Service Charge Information schedule and account disclosure for additional details.

3. Waived Fees – Service fee waivers will only apply to the primary account.

4. Minimum Balance/Combined Balance Requirements – In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked business accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the business day prior to the statement date for the following business loans: term loans, lines of credit, overdraft line of credit, credit card and SBA loans. Mortgage loans are not included. The business listed as the primary owner of the checking account must be a borrower on all linked accounts. If a customer has two or more different checking accounts, credit for combined balances will only be given to the account with the highest monthly service fee.

5. Loans – All loans are subject to credit approval; terms and conditions apply. See a California Bank & Trust professional banker for details.

6. Credit Cards – Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. Visa® is the registered trademark of Visa International Service Association and California Bank & Trust does not claim any ownership or exclusive rights to the use of this trademark.

7. Service Fee Alternative – In addition to the balance-related minimums, the Service Fee Alternative will waive the monthly service fee on the Business Connect, and Community Checking accounts if the qualified banking services (those billed through Account Analysis) fees charged to your account total an amount greater than $150 during a monthly statement cycle. Contract may be required.

8. eDocuments – To avoid the Paper Statement Fee of $3, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements.

9. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet, and the Service Charge Information schedule, or speak with a banker for more details.

10. Premium Rate Tier – Premium rate tiers are applied automatically to business savings and business money market accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. For rate information please see the Deposit Rate Sheet.

11. Wire Transfer Waivers – For specific accounts, two outgoing online banking wire transfer fees will be automatically refunded each service cycle. Other financial institutions’ fees are not refunded. Any additional incoming or outgoing wire fees will apply. Additional outgoing and incoming wire fees, domestic and international, will apply. See the applicable fee schedule for details.

12. Business Management Solutions – Includes Positive Pay (fraud protection), Remote Deposit Web Client, Direct Business Online Banking, and Direct Business Plus Online Banking. See treasury management for product details and schedule of fees. Certain treasury management services may require credit approval; contract may also apply.

13. Business Online Banking & Mobile Banking – Mobile Banking requires download of the smartphone or tablet version of CBT Business Mobile Banking from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Please see the Service Charge Information schedule for applicable fees. Subject to the terms and conditions of the Business Online Banking services agreement.  

14. Mobile Deposits – Take a picture of your check deposit and submit through your mobile phone. Limits apply: see table here. Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App enrollment in Mobile Banking and a separate contract.

15. ATM Charges – An ATM charge of up to $2 applies to transactions conducted at ATMs not owned or operated by ZB, N.A. In addition, ATM operator fees may be assessed.

This information is not intended to be the entire disclosure associated with these accounts. Complete disclosure of terms and service charges are available at any CB&T branch office and will be provided at account opening. For current rates or more account information, please ask a Financial Services Representative at any branch office.