You can compare maximum three products at a time. Please adjust the selection accordingly.
You can only compare three products at a time. Unselect an account or use clear all to start over.
Choose Your State

Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice)

Important Note: U.S. Government Stimulus Funds

All direct deposit funds, including Federal stimulus payments, are deposited once a day in the overnight hours. If deposited, funds are credited by 6 a.m. local time. If the payment does not appear in your account at 6 a.m., please check back the following day. You can find the most up-to-date information on your Economic Impact Payment at IRS.gov.

  • Personal
  • Business
  • About
  • Locations
  • Contact
  • Privacy
California Bank & Trust
  • personal
    • Home
    • Bank
      • Checking Compare
        • Anytime Checking
        • Anytime Interest Checking
        • Premium Interest Checking
        • Senior Advantage Checking
        • Debit Cards
        • Order Checks
        • Statement Options
        • Money Reserve
        Savings and Money Market Compare
        • Savings Account
        • Young Savers Account
        • Money Market Account
        • Certificates of Deposit (CDs)
        • Individual Retirement Account (IRA)
        • Safe Deposit Box
        Online and Mobile Banking
        • Online Banking
        • Mobile Banking
        • Mobile Deposit
        • Mobile Payments
        • Zelle
        Specialized Services
        • 1031 Exchange Services
        • Foreign Currency
        • Servicemembers Civil Relief Act
    • Borrow
      • Credit Cards Compare
        • Cash Back Card
        • Rewards Card
        • Low Rate Card
        • Premier Card
        • Elite Card
        • Reserve Card
        Mortgages
        • Apply Now
        • Check Application Status
        • Manage Your Loan
        • Mortgage Loan Types
        • Find a Mortgage Consultant
        • Mortgage Resources
        Home Equity Lines of Credit
        Auto, Boat and RV Loans
        Personal Loans and Lines of Credit
    • Wealth
      • Private Banking
        • Deposit Solutions
        • Private Mortgage
        • Securities-Based Lending (ILOC)
        • Lending Solutions
        Wealth Management
        • Wealth Planning
        • Investment Management
        • Trust Services
        • Insurance
        Trends and insights
        • Educational Webinars
        • Market Insights
        • Business Blog
        • Business eNewsletter
        • Family Business eNewsletter
    • Resources
      • Account Safety
        • Mobile Card Fraud Alerts
        • EMV Chip Technology
        • Identity Theft
        Trends and insights
        • Educational Webinars
        • Market Insights
        • Business Blog
        • Business eNewsletter
        • Family Business eNewsletter
        Forms and Agreements
        • Agreement Center
        • Foreign Status Documents
        Overdraft Protection
        Calculators
        FAQs
        Routing / SWIFT Numbers
        Bank Holidays
  • business
    • Home
    • Bank
      • Checking Compare
        • Business Inspire Checking
        • Business Growth Checking
        • Business Interest Checking
        • Business Connect Checking
        • Business Analyzed Checking
        • Community Checking
        • Attorney Client Checking
        • Debit Cards
        • Order Checks
        • Statement Options
        Savings and Money Market Compare
        • Business Savings
        • Business Money Market
        • Business Money Market Sweep
        • Business CD/Business Jumbo CD
        • Safe Deposit Box
        Account Access Solutions
        • Online Banking
        • Mobile Banking
        • Mobile Deposit
        • Mobile Payments
        Specialized Services
        • 1031 Exchange Services
        • Foreign Exchange Solutions
        • Treasury Management Select
    • Borrow
      • Credit Cards Compare
        • Cash Back Card
        • Rewards Card
        • Low Rate Card
        • Commercial Card
        Loans and Lines of Credit
        • Business Access Online Loans Under $175,000
        • Lines of Credit
        • Term Loans
        • Equipment Financing & Leasing
        • Small Business Administration (SBA) Loans
        • Acquisition Financing
        • Asset-Based Financing
        • Factoring
        Real Estate Financing
        • Owner-Occupied Real Estate Financing
        • Multi-Family and Commercial Financing
        • Residential Development
        Specialty Financing
        • Employee Stock Ownership Plans
        • Loan Syndications
        • Public Finance
        • Power and Project Finance
        • Municipal Underwriting
        Global Banking
        • Foreign Exchange Solutions
        • Foreign Currency Services
        • Global Trade Solutions
        • Trade Portal
    • Treasury
      • Information Management
        • Treasury Internet Banking
        • Mobile Banking
        • Image Services
        • Account Reconciliation
        • Return Items Web Delivery
        Receivables Solutions
        • Merchant Services
        • Remote Deposit Capture
        • E-Invoicing and Payments
        • Cash Vault
        • LockBox
        • ACH Collections
        Payables Solutions
        • ACH Disbursements
        • Outsourced Disbursement
        • Invoice-to-Pay
        • Electronic Funds Transfers
        • Commercial Card
        • Controlled Disbursements
        • Payroll Cards
        • Zero Balance Accounts
        • remitONE® Tax Payments
        Fraud Prevention Services
        • Positive Pay
        • Mobile Card Fraud Alerts
        • Check Block
        Capital Management
        • Investment Sweep
        • Loan Sweep
    • Resources
      • Fraud Prevention
        • Facing Fraud Today
        • Fraud Prevention Strategies
        • Layered Defense Approach
        • Business Email Compromise
        • Wire Fraud Prevention Tips
        • Online Fraud Prevention Tips
        • Identity Theft
        • Merchant Services Fraud Prevention
        Trends and insights
        • Educational Webinars
        • Market Insights
        • Business Blog
        • Business eNewsletter
        • Family Business eNewsletter
        Industry Expertise
        • Family-Owned Businesses
        • Women and Minority-Owned Businesses
        • Nonprofit Banking and Financing
        • Municipal Finance and Government Banking
        • Specialty Deposits
        Forms and Agreements
        • Agreement Center
        Business Complete
        Overdraft Protection
        Beneficial Ownership
        Calculators
        Bank-Owned Properties
        FAQs
        Routing / SWIFT Numbers
        Bank Holidays

What Can We Help You Find?

Business Banking > Fraud Prevention >

Online Fraud Prevention Tips

Online Fraud Prevention Tips

Protecting Your Business Against Online Fraud Schemes

Banking online is convenient and saves hours of valuable time, but it can also leave you vulnerable to cybercriminals who are constantly looking for ways to access your accounts.

Understanding how online fraud works can help you take immediate steps to protect your business.

“Phishing”: How criminals target victims

A criminal who steals your credentials can pose as you or one of your employees, then withdraw funds from your account and cause devastating results. When you’re online, these credentials include your login and password information. To access that data, criminals engage in a practice known as “phishing” for information, which tricks you into revealing information in several ways:

  • By email: You might receive an email that appears to come from a legitimate and trusted source, such as the Better Business Bureau, a government agency, a reputable company, or even your bank. The logos, design, and even the “from” address seem to be genuine, but they’re not.

    Typically, these emails warn of a serious problem that requires immediate attention and asks you to click a link or open an attachment. If you do, your computer may be immediately infected with malicious software (or “malware”) that is designed to obtain your login credentials and sent directly to criminals without your knowledge.
  • Website pop-up windows: Beware of a pop-up window that quickly appears on a company's legitimate website and requests you to update or validate account or personnel information that can be used to verify your identity by phone.
  • Other sources: Criminals may pass infectious software through popular social networking site accounts that becomes active the next time you access your online account.

If your login and password information is revealed, criminals can easily transfer funds from your account or engage in other illegal activities before you realize your account has been compromised.

Identifying a phishing scam

Remember that California Bank & Trust will never send you an email asking for login information, passwords, or any other sensitive information such as a Social Security number, ATM or debit card PIN.

Opening email attachments or clicking links from any source can install malicious software designed to steal your sensitive and private information without your knowledge.

To protect your business:

  • Never open file attachments in any email unless you are sure it comes from a legitimate sender
  • Beware of any email message that:
    • Tells you that an online banking service session has timed out and that services will be suspended unless account information is updated
    • Makes some form of urgent appeal for you to respond quickly to update security or account information online
    • Claims that your account may be closed or suspended for failure to confirm, verify or authenticate personal information immediately
    • Offer too-good-to-be-true advertisements or cash offers
    • Includes typos, poor grammar or design, are often a sign of fraudulent emails or websites

And never access your CB&T account online by clicking on a link. Either type the calbanktrust.com web address into your browser or use a bookmark you’ve previously set up.

Report suspicious emails

If you receive a suspicious email that uses California Bank & Trust's name, forward it immediately to abuse@zionsbancorp.com and then delete the email. Do not click on any links it includes or send a reply.

Add another layer of security: IBM® Security Trusteer Rapport® Software

Offered free to CB&T online banking customers, this software works with your antivirus software to add an extra level of security to protect your login information and prevent fraudulent transactions. 

More tips to prevent online fraud

To further protect your accounts, follow these best practices:

  • Adopt a dual approval system so that the online authorization of two employees is necessary to transfer funds from your accounts.
  • Install a dedicated, actively managed firewall plus commercial anti-virus, firewall and spyware detection software on all computer systems and update them routinely and reconcile all bank transactions (including online electronic transfers) daily.
  • Create strong passwords (at least 10 characters) and update them several times per year.
  • Never leave a computer unattended while using any online banking or investing service.
  • Never access bank, brokerage, or other financial services information at public locations.

What to do if you become a victim of online fraud

  • Immediately contact your branch or call (800) 254-2265, Monday through Friday, 7 a.m. to 7 p.m. and Saturday 9 a.m. to 5 p.m. Pacific Time, excluding federal holidays.
  • Forward all fraudulent email that uses the California Bank & Trust name to abuse@zionsbancorp.com and then delete the email.
  • Report suspicious emails or phone calls to the Federal Trade Commission at Consumer ID Theft or call 1-877-ID-THEFT (877-438-4338).
  • If you have disclosed sensitive information in a phishing attack, contact the three major credit bureaus below to discuss placing a fraud alert on your file to help prevent thieves from opening a new account in your name:

Equifax
(800) 525-6285
Equifax
P.O. Box 740250
Atlanta, GA 30374
Email: businessrecordsecurity@equifax.com

Experian
(888) 397-3742
Experian
P.O. Box 1017
Allen, TX 75013
Email: BusinessRecordsVictimAssistance@experian.com

TransUnion
(800) 680-7289
Transunion
P.O. Box 2000
Chester, PA 19022

Only one card gives you such an edge.

One card, one solution for managing business expenses efficiently with the advantage of greater purchasing power.

Learn More

Talk to a banker today.

Click or contact us at (800) 355-0507

Find a Branch Contact a Banker All Contact Info

FOLLOW US: #calbt

  • About
  • Locations
  • Contact
  • FAQs
  • Careers
  • Agreement Center
  • Sitemap
  • Routing / SWIFT Numbers
  • Privacy Policy
  • Online Privacy Statement
  • Online Banking
  • Data Collection and Rights
  • Do Not Sell My Personal Information

SUBSCRIBE TO OUR BUSINESS E-NEWSLETTER

California Bank & Trust, a division of Zions Bancorporation, N.A. Member FDIC

Equal Housing Lender | NMLS #467014

© 2021 Zions Bancorporation, N.A. All rights reserved.