Your health and safety are our top priorities

Updated 10:00 a.m. PT, May 18, 2020

IMPORTANT CHANGES TO BRANCH ACCESSIBILITY – EFFECTIVE MARCH 30, 2020

  • All branch lobbies will be closed until further notice
  • Our bankers and tellers will be assisting clients in-branch by appointment only, Monday – Friday from 10am to 4pm
  • To schedule an appointment, contact your local branch here
  • You can continue to take advantage of other banking services by visiting a branch utilizing the drive-up, night drop, ATM or online banking

The following locations are temporarily closed


PALO ALTO
525 University Ave, Suite 23
Palo Alto, CA 94301

FREQUENTLY ASKED QUESTIONS (FAQS) REGARDING COVID-19

How do I inquire about financial assistance programs?

As a result of COVID-19, some businesses may experience adverse impacts from their customers’ changing behaviors and short-term spending. We’re here to help. Visit our Paycheck Protection Program page to learn more and apply. Likewise, consumers concerned about their personal finances are welcome to reach out to their local branch or personal banker

Due to unusually high call volumes, the quickest way to provide you with mortgage assistance is by visiting our online mortgage portal. Through our portal, you can review available financial assistance information and start the process by completing the assistance application online. You can also make payments, check loan information, and read the latest updates.

Is my money safe at California Bank & Trust?
  • Operating from a position of strength, California Bank & Trust, a division of Zions Bancorporation, N.A., is well-capitalized, with strong reserves to absorb loan losses from industries that may be adversely affected by the economic impact of the coronavirus outbreak.
  • Our capital ratios are stronger than the median levels of peer banks. For details about credit quality and financial performance, visit zionsbancorporation.com and review the most-recent investor presentation slides.
  • Zions Bancorporation, N.A. has ample liquidity. We have a strong and growing deposit base, and we’re focused on supporting our customers’ credit needs.
  • All along, we’ve had conservative lending standards. We have healthy credit metrics due to credit policies and concentration limits among various industry sectors.
  • As a depositor in California Bank & Trust, in a division of Zions Bancorporation, N.A., you should know your deposits are insured by the FDIC. For more information, we encourage you to use the FDIC Federal Deposit Insurance Estimator, available online at http://www.fdic.gov/edie/.
What is still accessible now that branch lobbies are closed?

We will continue to be here for you. Appointments are available with bankers or tellers, which can be scheduled by contacting your local branch for availability. Take advantage of our ongoing banking options and tools:

Drive-up

Branch services from the convenience of your car. Most transactions that can be done in-person can be performed through Drive-up facilities. See locations page for more info. 

Withdrawal Limits:

  • Up to $5,000 for Zions Bancorporation N.A. clients
  • Limit of $2,400 for non-customers

ATM

Use your California Bank & Trust Visa® Debit Card at our ATMs and across networks such as STAR [cite::247::cite], Visa/Plus, or American Express® [cite::248::cite] Travelers Cheque dispensers

Night Drop

Customers can securely deposit cash or checks with a deposit slip in Night Drop receptacles using a deposit envelope. Funds are generally available next day. 

Online Banking and Mobile Banking[cite::71::cite]

If you are not already set up to do your banking online, enroll now to manage your business and personal accounts online to bank from almost anywhere 24 hours a day, 7 days a week. Download our mobile apps to access your accounts and manage payments from anywhere.

Automated touch phone & Customer Care Center at (800) 400-6080

Available Monday through Friday, 7am - 7pm PT, and Saturday, 9am - 5pm PT for assistance with the following.

Remote Deposit

Deposit checks from your office or mobile devices, at any time, practically from any place.

Zelle® [cite::173::cite]

Zelle is an easy, fast, and convenient way to send money to – or request money from – people you know and trust using only their email address or U.S. mobile phone number, all from the convenience of your mobile banking app or online banking account.

Electronic Payments

Schedule automatic monthly payments through your online banking so important bills are automatically paid on time.

Digital Payments

Enable your debit and credit cards for digital payments. Use an app on your mobile device instead of exchanging cash or physically swiping your card to pay.

Debit Cards and Credit Cards

To avoid unnecessarily handling cash and coin, use your Visa® [cite::83::cite] debit card or credit card[cite::245::cite] for purchases wherever Visa is accepted.

Treasury Management[cite::246::cite]

Treasury Management services can help keep your business resilient with easy access to the critical information and cash management tools you need to run your business.

Electronic Payroll

Mail delays could occur during an emergency, causing issues for employees waiting for paychecks to arrive. Instead of paper checks, use an electronic method such as direct deposit.

Who can I contact for questions after branch business hours?

Contact us for any inquiries or questions regarding the following:

  • Online banking
  • Bankcard services (ATM, debit or credit cards)
  • Mortgage loans
  • Telephone banking
What changes has the bank implemented to prevent the spread of COVID-19?

In addition to closing our branch lobbies and implementing an appointment-only service model, we have taken the following steps to align with the CDC’s recommendations:

Face Coverings

We are requiring face coverings to be worn by employees, clients, non-customers or other visitors inside all CB&T branch lobbies.

Branch Sanitization

Custodial services at our branches and other bank facilities have been enhanced with hospital-grade disinfectant and cleaning frequencies have increased. Clients experiencing symptoms of illness are asked to use drive-up teller windows for service. Our branches are kept well stocked with hand sanitizer, disinfectant wipes and latex gloves, and we are encouraging employees to use them at their workstations.

Social Distancing

While we traditionally encourage shaking hands, we have adopted the CDC’s social distancing recommendations to limit gathering size and keeping 6 feet of distance between others.

We may also ask you to place your transaction(s) on the desk and/or counter rather than handing it directly to one of our associates. View more on the CDC’s website about practicing healthy hygiene etiquette when coughing and sneezing and by washing hands regularly.

Group Events

In person events scheduled for the coming weeks have been postponed. If you were invited to attend a postponed event, you should anticipate a direct communication regarding the cancellation.

How can I learn more about the impact COVID-19 is having on the economy?

Get the latest financial and market insights through our educational webinars. We'll help you navigate the COVID-19 economic affects with sessions filled with valuable observations and forecasts.

What guidance can you provide regarding the protection of confidential information?

Look out for suspicious email and text messages, and donation or medical supply sites that may impersonate a company, charity, or government agency. The intent is to convince you to share sensitive information or download malware onto your device by opening a malicious attachment. If you receive a suspicious email or text message, don't respond, click on any links, or open attachments. Learn more fraud prevention tips here.

What steps can I take to help prevent illness?
  • Promote healthy hygiene by washing hands frequently with soap and water for at least 20 seconds.
  • Clean and disinfect frequently-touched objects and surfaces.
  • If you are ill, stay home and rest. Seek proper medical attention as needed. Consider using a telephone doctor service to avoid the doctor's office or emergency room. Encourage friends, family members and employees to stay home if they feel ill.
  • Cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow.
  • Throw used tissues in the trash, and then immediately wash your hands.
  • Consider replacing a handshake with just a smile or wave.

For more health and prevention tips visit the CDC website.


Disclosures