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)
The move to chip cards is intended to reduce fraud in the card payment system and to increase international acceptance of cards issued by U.S. issuers.
While magnetic stripe technology can usually be used in countries where EMV is prominent, some merchants now require customers to use a chip card.
No. Currently we do not plan to issue contactless chip cards. Chip cards will need to be inserted in a chip terminal. If you have a contactless card, that feature will end when your card is replaced by a chip card.
For credit cards, your existing PIN can be used for ATM-based transactions only. For debit cards, you can continue to use your regular PIN at chip terminals that support PIN entry.
We take card security very seriously and have sophisticated fraud detection services in place:
These services will remain available for use with your chip card. The chip will simply provide an additional layer of security.
EMV is an acronym that stands for Europay, MasterCard® and Visa®. They are the founding companies for chip card technology. EMV is a payment application that resides in a computer chip embedded in a credit or debit card. The application specifications were developed by Europay, MasterCard®, and Visa® in order to help fight fraud. The specifications define a set of requirements that ensure compatibility between payment chip cards and card terminals.
The term “EMV” and “chip card” are interchangeable.
EMV has been widely used in Europe for many years, and the U.S. card issuers are now taking steps to make EMV the standard payment application for enhanced card security. The adoption of EMV will require financial institutions, payment networks, card issuers, payment processors, and businesses to make substantial changes to card issuing, transaction authorization and related processes as well as point-of-sale and/or ATM equipment.
If prompted by the chip terminal to do so, you will be required to sign for credit card purchases. Some merchants, however, do not have customer’s sign their receipt if the sale is below a certain amount.
For debit cards, you have the choice of signing or using your PIN if the merchant’s terminal supports PIN entry.
Yes. At ATMs that are not chip-enabled, the transaction will be processed using your card’s magnetic stripe technology in combination with your PIN. At ATMs equipped with chip readers, the transaction will be processed using the chip technology in combination with your PIN.
During a payment transaction, the chip performs cryptographic processing by assigning a unique code to each transaction. This helps prevent the transaction data from being fraudulently reused. Chip processing takes place only when the card is used at a chip-activated terminal.
A chip terminal is a point-of-sale (POS) device or ATM that is able to process chip transactions. Instead of swiping your card, you insert it in a chip terminal and leave it in the terminal until the transaction is complete. If a merchant does not have a chip terminal or if their chip terminal is not yet activated, transactions will be processed by swiping the card’s magnetic stripe just as they are processed today.
Make sure you remove your card from the terminal before leaving the merchant’s premises! This is a common challenge people face when getting used to using a chip card.
Both “chip and signature” and “chip and PIN” refer to the way a card is authenticated at the terminal. Your card will be authenticated using chip and signature. Chip and signature offers the same cryptographic security as chip and PIN.
While most of the banks in Europe chose chip and PIN authentication, the US market has leaned toward chip and signature in an effort to ease transition by maintaining the current experience of signing receipts. We expect our customers will also appreciate not having to remember a separate PIN in order to complete their transaction. The terminal recognizes that the card is chip and signature and won’t prompt for a PIN, even if it’s used in Europe.
eTax Documents will be made available within Online Banking on or before the IRS required deadline. We will notify you by email when an eTax Document is available for viewing. Please see IRS.gov for applicable tax form deadlines.
To help protect your accounts or sensitive information when using Mobile or Online Banking, we recommend the following:
If you are traveling outside of the US and are attempting to make a transaction that requires Enhanced Account Protection, please call CB&T DirectNET Consumer Online Banking Customer Service at (888) 217-1265.
We regularly release new Mobile Banking features and services that may be available only by updating your mobile app and/or your mobile device's operating system to the latest version.
You can help safeguard your information with the following practices:
From the Transfers tab, select Create Transfer from the sub-menu or by clicking the Create Transfer link to the right of the Transfers panel.
Enhanced Account Protection can help protect you from online fraud by requiring you to enter a security code before completing specific types of transactions. This code is sent to an enrolled mobile phone when executing Transfer to a Friend transfers greater than or equal to $500 and External Account transfers greater than or equal to $1,000.
The agreement can be found in Online Banking. Look under the Payments tab, then click on the Wire Application link. Or, look under the Services tab in the Account Services section. The Wire Application for Online Banking is also located in the Agreement Center of the bank website.
The following notices are available through our eNotices service. You will be notified by email when a notice is generated.
Provide as many details as possible with your stop payment request. This will help us catch inconsistencies or possible errors. If you receive a confirmation number for a request that you discover is incorrect, contact us immediately to see what actions are available to you.
Enabling Touch ID for mobile banking will grant access and full mobile banking functionality to any person whose fingerprints are saved on your device. We strongly recommend against enabling Touch ID if anyone else has or might gain access to your device and its security password.
Only IRS forms are covered under the eTax Document service. Any state tax forms the Bank is required to furnish you are not available for electronic delivery. Paper versions of these forms will continue to be mailed to you through U.S. mail.
Tax forms for which Internal Revenue Service reporting thresholds are not met will not be created, and will not be available through online banking. (For example, checking account customers with aggregated interest amounts lower than $10.00 will not receive a tax statement. Please see IRS.gov for the various form reporting thresholds.) Not all account types are eligible for eTax Documents, and not all IRS forms are supported by the eTax Documents service. Eligible account types and supported forms may change without prior notice. However, for any account or form that is not supported or no longer supported by the eTax Documents service, you will be mailed a paper tax document. And, for any account or form that becomes supported, you will receive an email notifying you when your tax document is available to be accessed in Online Banking.
To use the Online Banking wires service, you must enroll in Enhanced Account Protection (1) if you are a business that does not use Dual Authorization, or (2) if you are a consumer. EAP is a free internal security tool for wire transfers and certain other types of Online Banking transactions. When your account is first enabled for wire transfers, you will be prompted to enroll in EAP the next time you login to Online Banking (unless you are a business with Dual Authorization).
Wire transfer functionality can be found in Online Banking under the Payments tab. If this functionality is not enabled, you will see a Wire Application link under the Tab menu.
Enrollment for eTax Documents only applies to the Tax ID or SSN associated to the online banking profile. To access online tax documents for the Tax ID of "linked" business or personal accounts, you must log in under those other customer profiles.
For example, if "Company A" has a Business Online Banking profile, and you have linked your personal accounts to Company A's Business Online Banking profile, you will only be able to access the tax documents for "Company A" and not any personal tax documents. Personal tax documents will continue to be sent via paper unless you enroll in eTax Documents through your personal Online Banking profile. Even after personal enrollment, personal eTax Documents will only be displayed in your personal Online Banking and not in Company A's Business Online Banking.
External Transfers allow you to transfer money to or from your CB&T account to an account you own at another financial institution.
Note: Please allow 1–2 business days for the transaction to process at your other financial institution.
To view transaction images, click on your account in account balances from the My bank page—or select activity under the accounts tab. Make sure you are viewing the correct account in the selection menu. Once you locate the transaction, click on the link in the Transaction column to view an image of the item. If an image is available, there will be an orange check image next to the transaction.
Note: To narrow your search, you may need to use the Search By options to adjust the date range or to display only checks or deposits.
From the Transfers main page, select the scheduled sub tab in the data area. A list of future-dated transfers will display. Click on the account link under the from account column to edit the transfer. To cancel the transfer, click the Delete button. You will be asked to confirm cancellation of the transfer.
Note: Pending transfers cannot be deleted or edited.
Your spouse is able to obtain information and make any decisions on your behalf regarding your joint accounts.
For individual accounts in your name only, your spouse will need a properly executed power of attorney from you. For full details about establishing a power of attorney, be sure to contact your military legal service office or your private attorney.
If you believe your mobile phone is lost or stolen, you should immediately change your Online Banking Login ID and Password, and contact CB&T DirectNET Consumer Online Banking Customer Service at (888) 217-1265 or Direct Business Internet Banking at (877) 650-0095 for assistance in updating your Enhanced Account Protection enrollment.
eTax Documents are available online for the previous 2 tax years.
You must do three things:
Immediately call California Bank & Trust Customer Service at or (888) 271-1265 to report the unauthorized transfer as soon as you discover or suspect the activity has occurred.
The agreements and rules that govern suspect or actual unauthorized transfers through Online Banking, such as deadlines to report unauthorized transactions, also apply to transfers made through Mobile Banking. Please see your Online Banking Agreement, your Deposit Account Agreement, or your account statements for further information. Also, see any agreements governing the specific affected account (e.g., credit card agreements). Where applicable, those agreement documents include information regarding special rights of consumers, such as rights pertaining to unauthorized transfers from consumer deposit accounts under Regulation E and/or consumer credit accounts under Regulation Z.
The date range in the View Transfers fields on the Transfers page determines the days for which you can view transfers. The default date range is based on the number of days in the past and the number of days in the future from the current system date that we selected. You can change the dates in the View Transfers fields to the dates for which you want to view transfers.
Mobile Banking uses the same nicknames that are used in Online Banking. If you want to change them, you will need to sign in to Online Banking and click on the Services menu.
Once the bank has received your "Wire Application for Online Banking" form, allow three business days for processing. Once processing is completed, you will have access to the wires functionality within Online Banking. All online banking wires are subject to the terms and conditions attached to that Wire Application.
There is no limit to the number of wires you can make through Online Banking.
The default transfer limit is $50,000 per transaction, and $50,000 total per day, but you have the option to set lower limits. To do this, simply specify a lower limit when completing your "Wire Application for Online Banking." A new Wire Application is needed if you wish to change an existing limit.
Simply contact California Bank & Trust (CB&T) DirectNETSM Consumer Online Banking Customer Service at (888) 217-1265 and an Online Banking Customer Service Representative will activate your account for Enhanced Account Protection. Once your enrollment is processed at the bank (2-3 business days), the next time you log into Online Banking you will have a message on your MyBank page that will prompt you to complete the enrollment with your mobile phone. You will also be prompted to finish your enrollment if you try and execute a transfer that requires Enhanced Account Protection (EAP) verification.
This feature allows you to transfer money to your friend's CB&T Bank account that you do not own. Friend Accounts display in your Transfer To drop down list when creating a transfer.
You can enroll one mobile phone per user for Enhanced Account Protection. You may change the phone number through Online Banking once enrolled: from the navigation menu, select Home, then Enhanced Account Protection, and Modify Phone.
Yes. This feature is only available through Online Banking service for both personal and business customers.
From the Transfers main page, select scheduled sub tab in the data area. A list of future-dated transfers will display. Click on the account link under the from account column to edit the transfer.
For recurring transfers, make sure to select one of the following options at the top of the page:
You can transfer up to $50,000 per day through Online Banking. If you need to transfer more, you need to visit a branch location or call our Central Wires department at 1-877-588-0298 to complete the transaction.
If you are enrolled in Online Banking, you are eligible to use Mobile Banking. All you need is an eligible mobile device with internet access.
After you successfully submit your deposit, retain the check for 30 days and then securely destroy the check. This allows sufficient time in the event the check needs to be re-deposited.
A disallowed/failed transfer is a transfer that has been rejected, typically for insufficient funds. You can tell when a transfer is disallowed/failed because you see in the Status field on the Transfers page. Disallowed/failed transfers are not displayed on the Activity page.
For a disallowed/failed transfer, you can choose to delete the transfer or change it and reschedule it.
Note: If you close your account, scheduled transfers can become disallowed/failed transfers if they are processed after your account is closed.
DirectNETSM Consumer Online Banking[cite::156::cite] and Bill Pay |
|
Home Banking and Bill Pay |
|
Bill Pay Service Fee for Home Banking with Bill Pay |
No Charge |
Transfers between online banking accounts |
No Charge[cite::157::cite] |
Home Banking Only |
|
Home Banking Fee |
No Charge |
Transfers between authorized CB&T accounts |
No Charge[cite::157::cite] |
External incoming transfers to a CB&T account |
No Charge |
External outgoing transfers to a CB&T account |
No Charge |
External outgoing transfers to an account outside of CB&T |
$2.50 per transfer |
PC Banking Fee for Quicken®, QuickBooks® |
$8.00 per month |
To request a copy of an older statement, visit the "Services" tab in Online Banking or call customer service at (800) 400-6080.
California Bank & Trust will not open your safe deposit box or claim any right to the contents of your safe deposit box without a court order. This protection lasts throughout the term of your military service and for an additional 6 months after your military service ends.
No. There is no charge for the Mobile Banking service; however, ordinary bank fees under other agreements still apply (e.g., fund transfers that results in overdraft charges or applicable Bill Pay fees). Contact your wireless phone service provider regarding data or messaging charges.
California Bank & Trust will not charge insufficient funds fees or daily overdraft fees to your deposit accounts during your military service and for an additional 6 months after your military service ends.
Yes, you will always have the option to sign in with your User ID and Password. Just tap "Cancel" when the app asks for your fingerprint.
We will notify you by email when an eStatement, eNotice, or eTax Document is posted to your Online Banking account. This will happen at the same time you would normally receive a paper statement, notice or tax document. When the notification arrives in your email box, just:
You can save a PDF version of your eDocument on your hard drive if you wish, or print it out. Documents are also viewable in the mobile banking app.
If you obtained your mortgage before entering military service, California Bank & Trust may not foreclose on your home without first getting a court order. This SCRA protection covers you not only while you are on active duty but also for 12 months after your military service ends.
It is always a good idea to notify California Bank & Trust of your call to military service.
No, there is not a fee to receive electronic tax documents online. Nor is there a fee to cancel your eTax Documents service or to request a paper copy of any particular tax document.
SCRA is short for The Servicemembers Civil Relief Act. This law protects your financial and legal affairs while you are on active duty military service. For example, SCRA requires your creditors to provide certain relief from debt that you incurred before entering active duty. It also suspends some legal actions against you if the action will interfere with your military service.
The interest rate cap protection is one of the major benefits of the SCRA. If you are eligible for SCRA benefits, the interest rate on debts you incurred prior to your military service will be reduced to 6% per year and the required payments will also be reduced to reflect this lower interest rate.
Enhanced Account Protection is an additional layer of security that helps safeguard specific types of online banking transactions, using your mobile phone for authentication. It's a free service that can help enhance your online banking security.
For a loan account to qualify for SCRA benefits and protections, including interest rate reduction and foreclosure protections, you must have opened the account before going on active duty. Loan accounts opened during the term of your military service are not eligible for SCRA benefits or protections.
Yes. Select "Transfers" from the main menu to schedule a transfer to or from your eligible accounts. You can also view your recent and scheduled transfer activity by selecting the "Recent" or "Scheduled" tabs.
To transfer funds to a friend's account or one of your external accounts, you will need to use Online Banking to set up those accounts before they will display as account transfer options in Mobile Banking.
Download and launch the mobile application from the Apple, Google Play, or Amazon app stores, or visit m.calbanktrust.com or m.calbanktrust.com/biz from your mobile web browser. When prompted, enter your Online Banking User ID and Password. The first time you sign in, you'll be required to accept the Mobile Banking Service Agreement.
From the home tab, under the Preferences sub menu drop down, select address/email Preferences. Or, from the services tab under My Preferences panel, select address/email Preferences. Click on the Change email link in the lower right corner. From this Manage Delivery options page, click on the check box to the far right of the email address entry and click the red "x" button to delete the email address.
Note: there must always be at least one email address in your online profile. Enhanced account Protection
1098 |
Mortgage Statements for select mortgage loans. (For example, tax documents for California Bank & Trust home loans that are viewable in your online banking profile, such as Home Equity Credit Lines)** |
1099-A |
Acquisition or Abandonment of Secured Property |
1099-C |
Cancellation of Debt |
1099-DIV |
Dividends and Distributions |
1099-INT |
Interest Income |
1099-MISC |
Miscellaneous Income |
1099-Q |
Payment from Qualified Education Programs |
1099-R |
Distributions from Pensions, Annuities, Retirement Plans, IRAs, or Insurance Contracts |
5498-IRA |
Contribution |
5498-ESA |
Education Savings Account Contributions |
* This list of IRS forms currently eligible for the eTax Documents service is subject to change without prior notice. Any type of IRS form that we do not currently offer through the eTax Document service will be sent to you in paper form. If we add a type of IRS form to our eTax Documents service, you will receive notification when it posts to your Online Banking account.
** If we have contracted with another company to help service your mortgage loan, you will continue to be mailed paper 1098 Mortgage Statements. If that account later becomes eligible for eDocuments, you will receive notification when it posts to your Online Banking account.
Mobile Banking offers a suite of self-service capabilities and we are continuously releasing new features, enhancing the user experience, and helping you manage your finances on the go:
Using a Touch ID supported device, turn on Touch ID on your device by going to "Settings" and selecting "Touch ID & Passcode." Then, follow the simple steps to save your fingerprint to your device (you'll also need to set up a device passcode if you haven't already). Next, sign on to the Mobile Banking app, go to "Settings/Quick Access," and slide the toggle button to turn on Touch ID.
As soon as you set up a recurring transfer, the first transfer of the series appears on the Transfers page. When the first recurring transfer is made, the next recurring transfer appears on the Transfers page. The recurring transfer starts on the date you enter in the Transfer Date field and recurs based on the frequency you enter in the Frequency field.
Bill Pay is located under the Payments tab.
If you receive images of your canceled checks today, you'll also receive them in your eStatements. In addition, you can also access images of your recent checks through Online Banking.
We determine the processing days and times for all transactions. If you enter a transfer on a non-processing day or after the cut-off time for daily processing, we will process your transfer on either the previous or the next closest processing day.
Click on other accounts under the Transfers Tab. Select the add friend's CB&T account link to the right of the friends account panel and follow the prompts.
Note: In order to add the Friend Account, you must know their account number and they must be enrolled in DirectNETSM Consumer Online Banking or Direct Business Internet Banking.
For help with Online or Mobile Banking, please call (888) 271-1265. If you are having technical issues with your phone or have questions about mobile data access or data charges on your phone bill, contact the customer service department of your mobile service provider.
Direct Deposit is a service that enables a customer to have funds electronically deposited into an account. This is common in the case of an employer electronically depositing and employee's payroll into a particular account.
During your military service, the Bank must obtain a court order before repossessing personal property securing non-mortgage related installment loans obtained before you entered military service. This protection ends when your military service ends. However, California Bank & Trust extends this protection to you for an additional 6 months after your military service ends.
The confirmation number is a tracking number for you and us. It supplies a record of the request. The confirmation number does not indicate that the payment has been stopped. There are conditions for stopping a check. If you have questions about a stop payment request, contact us.
Transmission of Federal Tax Wire Payments is not permitted through Online Banking. To make a Federal Wires payment, you need to visit a branch location or call our Central Wires department at 1-877-588-0298. Business customers have the option to enroll in ACH Direct Deposit and Tax Payments as an alternative method of payment.
The Account Activity screen shows all the completed and pending transactions for the last 30 days (you can also choose to have it show transactions for some other specified period). eStatements are electronic versions of the monthly paper statements you currently receive. They include transactions from a set period of time (a statement cycle) and do not include any pending transactions.
Mobile Deposit is FREE to eligible customers. There may be charges associated with data usage on your phone or tablet device. Check with your wireless phone service provider for more information.
California Bank & Trust makes every effort to ensure all eligible accounts are identified when you submit your request for SCRA benefits. If you find that one of your accounts is not receiving benefits, or if you have concerns about a specific account, please contact:
California Bank & Trust
SCRA Unit
Toll-free telephone: (844) 818-4952
Email: SCRAunit@zionsbancorp.com
Mobile Banking allows you to delete a scheduled transfer, but you cannot edit a pending or scheduled transfer. To delete a transfer, sign in to your Mobile Banking application and follow these steps:
In Online Banking, you can edit and/or delete a scheduled transfer. Once you have signed in to Online Banking:
Transfers between California Bank & Trust accounts are immediate, so they cannot be subsequently canceled or edited.
eDocuments are posted to Online Banking in PDF format. In order to view PDF documents, you may need to install Adobe Acrobat Reader. This free software is available for download. For technical issues, please call our Online Banking Support at (800) 400-6080.
Tax documents for a joint account are issued and reported to the IRS only under the Tax Identification Number of that account's primary owner (as reflected in our records). For security reasons, eTax Documents may be viewed only under that primary owner's Online Banking profile.
Banking is made even easier with Transfer-to-a-Friend — a free online banking feature that allows CB&T Online Banking customers to transfer funds from your account to the account of another online banking customer at CB&T.
There are time-related conditions that must be met before a payment can be stopped. If you have questions about processing conditions for a stop payment request, contact us.
Yes, as long as your mobile carrier offers internet service in the country you are visiting and you have already downloaded the app. All roaming, data access, and text charges from your mobile service provider will apply. The Mobile Banking application is only available to download within the U.S., using the U.S. version of the Apple, Google Play, and Amazon app stores.
Mobile banking helps promote security by hiding your full account number, timing out your session after inactivity, and using your existing online banking user ID and password, which only you know. Communication between your device and the bank use a 128-bit Secure Socket Layer (SSL) Encryption.
The quickest way to request benefits is by completing the following online forms:
You may also request benefits in person at any California Bank & Trust branch or by sending an email to:
It may be more convenient for you to mail your written request:
California Bank & Trust
SCRA Servicing Unit
UT BOB 1850
2160 South 3270 West
West Valley City, UT 84119
Written requests should include:
A PIN (Personal Identification Number) is separate from a security code (SMS token). The PIN provides additional security by authenticating that you know personalized credentials when verifying transactions. Unless we notified you of a temporary PIN, it is a 4 to 9-digit number that you selected. The PIN for EAP is separate from the PIN for other products or services.
The standard wire transfer fee that has been disclosed to you in connection with the deposit account you will be using will also apply to wires transfers made using Online Banking. (Note: lower fees or fee waivers applicable to certain accounts or relationships may not apply to wires originated through Online Banking.)
SCRA benefits are available to:
From the home tab, under the Preferences sub menu drop down, select address/email Preferences. Or, from the services tab under My Preferences panel, select address/email Preferences. Click on the Change email link in the lower right corner. From this Manage Delivery options page, you can add a new email address by clicking the add Delivery options button. Enter the nickname, address, and click the check box in the Preferred column. Click the submit button to review and confirm your changes.
Note: New email addresses must be verified before they are added to your profile. An email will be sent to the new email address with a Confirmation Code that must be entered when you preview your email request in Online Banking.
Yes. Mobile Check Deposit limits are as follows:
Document Type |
How long is this document stored online? |
Deposit Account Statements |
At least 18 months* |
Electronic Account Notifications (eNotices) |
18 months |
Loan statements |
18 months |
eTax documents |
36 months |
*Beginning July 2017, we are increasing the available history of Deposit Account Statements each month for the life of active accounts that remain enrolled in our online digital banking service. While we don’t anticipate modifying the Statement storage timeframe, should we need to decrease it in the future for any reason we will post a notice where your Statements are made available, and notify you by email at your last known email address, at least 90 days before the change. As a best practice, you may wish to periodically download copies of your Statements.
You cannot change or delete a transfer that is already in progress. You can change or delete any information for a transfer that has a status of Scheduled or Disallowed. You must be the originator of the transfer to change or delete it. You can change a single transfer to a recurring transfer, but you cannot change a recurring transfer to a single transfer. You can change or delete a transfer before the transfer date as long as the status of the transfer is not In Progress.
DirectNETSM Consumer Online 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.
After login, you will be directed to the My Bank page, which provides a summary of your banking information with top navigation tabs and links to frequently-used banking services. The My Bank summary page displays the following features:
The services page is designed to organize links to other online services into different categories to help you find what you're looking for.
Yes. For legal purposes, a printed version of an online statement/notice is the same as a paper statement/notice.
California Bank & Trust has dedicated SCRA personnel who are happy to respond to questions you may have. Just call 1-844-818-4952 or send an email request to SCRAunit@zionsbancorp.com.
Accounts on the My Bank page are separated into account types, such as Checking, Savings, Credit Cards, Loans, etc. To hide or unhide an account type, click on the arrow icon to the right of each account type.
You can also create a My Favorites view from the My Bank view dropdown. This option allows you to create different views of accounts, simply by selecting which accounts you would like shown on your My Bank page.
If you would like to hide or unhide an account from all of Online Banking, use the account Preferences feature, found on the home tab, under the Preferences sub menu. Account Preferences allows you to select which accounts should display throughout your Online Banking, as well as to select which account is your preferred account. Preferred accounts become the default account when you view account activity, including in the Transactions section on the My Bank page.
Yes, online eTax Documents are the official documents that can be submitted to the IRS for processing.
Yes, payments are still required. Although the SCRA protects you from foreclosure, and repossession without a court order, California Bank & Trust may take any of these actions if a court considers it appropriate. Also, the Bank will continue to report any delinquent payments to the credit bureau. Any missed or late payments, even if during a covered active duty period, will affect your credit rating.
SCRA benefits and protections apply to debts that you incur individually or jointly with your spouse before you enter active duty military service. You may request an interest rate reduction for a credit card account only if you are a signer on the account or otherwise responsible for paying the account balance. If you and your spouse have a joint credit card account, SCRA benefits may apply.
Both the mobile web browser application and the downloadable mobile application are free and offer easy and on the go access to your accounts. With mobile web browser, you use the web browser from your mobile phone to access your account information. The mobile applications can be downloaded to your mobile phone or wireless device. These applications provide an experience optimized for iPad®, iPhone®, and Android™ smartphones, as well as Android™ and Kindle Fire™ tablet devices.
When the transfer date is equal to the current date, the transfer status moves from Scheduled to In Progress. Based on whether your financial institution processes transfers in batch or real-time mode, the transfer might be executed immediately or on a predetermined schedule. When the transfer is complete, the transfer status moves from In Progress to Completed, if the transfer was successful, or Disallowed, if the transfer failed. If the transfer failed, the system displays a message for the reason for the failure, and you have the opportunity to correct the transfer and try to execute it again.
Once you have enrolled in eTax Documents, all available tax documents will be provided electronically only. Some tax documents aren't available online and you will receive paper tax documents for those forms. To resume paper delivery, please call our customer service at (800) 400-6080, send a secure message within online banking or mail us at: 1875 South Redwood Rd, Salt Lake City, UT 84104. You may also request a paper copy of any particular eTax Document by contacting customer service at (800) 400-6080. Obtaining a paper copy will not cancel your enrollment to opt out of regular paper delivery.
Wire transfer payments in online banking are available to both consumers and small business banking customers.
Select other accounts from the Transfers tab. Under the external Transfer accounts panel, your active and pending External Accounts will display. Your new External Account will show a status of In Progress while we send the small deposits to the External Account. After the small deposits have been processed by your other financial institution, the status will change to Verify. Click on the verify link to enter the small deposit amounts received in your External Account.
If your phone is lost or stolen, you should notify your mobile service provider immediately. The mobile app doesn't store your password. You can always call us at (888) 271-1265 to have your login information reset over the phone, or you can change your User ID and Password within Online Banking.
An existing agreement for sending wires by means other (e.g. calling Central Wires) will remain in place for those wires, but the Wire Agreement for Online Banking will govern any wires you send via online banking. To enable the wire functionality in Online Banking, you will need to download and complete the Wire Application for Online Banking. Then, submit by mail or take it to any of our convenient branch locations.
Requests are generally declined for one or more of the following reasons:
The scheduled tab will display all pending/scheduled Bill Pay payments. If you need to cancel a Bill Pay payment, simply select the payment and select "Cancel Payment."
We have custom apps optimized for iPad®, iPhone®, and Android™ smartphones, as well as Android™ and Kindle Fire™ tablet devices.
To resume receiving mailed paper copies of your Statements, Notices, and/or Tax Documents, please contact customer service by phone at (800) 400-6080 or send a message by selecting the Message Center from the Online Banking Services tab. Please note certain types of accounts charge a fee for paper statements, please see our Fee Schedule for additional details.
Mobile Check Deposit is a convenient and easy way to deposit checks from your mobile device into one of your eligible accounts. With the Mobile Banking app on your iPhone®, iPad®, Android™ smartphone, or Android™ or Kindle™ Fire tablet device, you can take a photo of your check and easily submit your deposit for processing. Checking, Savings, and Money Market accounts are eligible for Mobile Check Deposit.
An interest rate reduction on your home mortgage expires 12 months after you complete your military service. The interest rate reductions on all other eligible loans expire 6 months after you complete your military service.
To enable wire transfers in Online Banking, you will need to download and complete the "Wire Application and agreement for Online Banking" and take it to any of our convenient branch locations. This is a new and separate agreement specifically for Online Banking Wires. You can also sign the form in front of a notary and mail it to the following address:
Online Banking Wire Operations
PO Box 25726
Salt Lake City, UT 84125-0726
You may have received this letter because California Bank & Trust was unable to verify your active duty status through a search on the Department of Defense (DOD) website or with the documentation you provided. To help us determine your eligibility for SCRA benefits and protections, we need a copy of active duty orders or a letter from your commanding officer on official letterhead that includes:
With Dual Auth turned on, selected types of requested transactions or activities won't be executed or take effect until a second user's credentials are used to approve the item. The second user must be designated as an "Approver."
For example, User A creates a transfer request between two accounts. User B (previously designated as an Approver) would then log into Online Banking, and go to the Transfer Center. The transfer created by User A would show as "Pending Add Approval". User B can then select that transfer request, and then either Approve or Deny the transfer request according to their business policies.
Sign in to the Mobile Banking app, go to "Settings/Quick Access," and slide the toggle button to turn on Passcode.
In the accounts tab, select balances in the sub menu. Locate the Download drop down menu in the accounts panel. From this drop-down menu, select Quicken, QuickBooks, or Comma Separated (.csv) file to download your account transaction history.
You can deposit checks payable in U.S. dollars and drawn on a U.S. bank. The following items cannot be deposited using Mobile Check Deposit:
When you enroll in an eStatements, eNotices or eTax Documents service, we will stop sending you the corresponding paper copies of your statements, notices and tax documents. You can change your mind at any time and resume receiving paper copies by calling our Online Banking Support at (800) 400-6080.
The Internal Revenue Service requires California Bank & Trust to provide tax documents to account holders who meet the reporting thresholds as dictated by the IRS. For example, clients with interest bearing checking accounts with an aggregate interest total lower than $10.00 do not receive a tax statement.
Note: Tax documents for a joint account are issued and reported to the IRS only under the Tax Identification Number of that account's primary owner (as reflected in our records). For security reasons, eTax Documents may be viewed only under that primary owner's Online Banking profile.
You must make timely and full payments on bank accounts receiving SCRA protections. If you fail to do that, the Bank is required to report to the credit reporting agencies that you are past due on those accounts.
Domestic wire transfers (i.e., wires that are sent from one location within the United States (US) to a different location in the US) are available in Online Banking. To make an International (outside the United States) wire transfer, you need to visit a branch location or call the Central Wires department at 1-877-588-0298. To call Central Wires, you will need to have a Wire Transfer Agreement already in place.
Before you can use Bill Pay in your Mobile Banking app, you must complete the enrollment within Online Banking.
Check your mobile device or the applicable app store for notices regarding Mobile Banking version updates. If there is an update available, follow the instructions to download the update.
Your primary account is defaulted to be your Bill Pay account. To add another Bill Pay funding account, call Customer Service at or (888) 271-1265. Eligible Checking and Money Market accounts can be added as additional funding accounts.
The following conditions and information are required to transfer funds:
Click on other accounts under the Transfers Tab. Select the add My external account link to the right of the external Transfer accounts panel and follow the prompts. After you complete the online form, two small deposits and one withdrawal transaction will be sent to your External Account. You must verify the small deposits to confirm you are an authorized owner of that account.
Note: In order to add the External Account, you must be an owner of that account, know the account number and the account type (checking or savings), and verify that you can access the account. Please allow 1–2 business days for the two small deposits and withdrawal transaction to process at your other financial institution.
After successfully submitting your check, the deposit process will begin. The processing time to complete the deposit may vary.
If we accepted your deposit:
If your deposit is declined, we will email you a notice by the first business day after the day we receive your deposit.
To view and retain your eDocuments, you will need a current version of Adobe Reader® and the ability to download (to your hard drive or other storage device) or print Adobe Reader files. If you do not have Adobe Reader, you can download it at www.adobe.com. You may keep copies of your eDocuments for future reference by saving them to your computer in the PDF format, by clicking on "File" and then "Save As" in your browser or Adobe Reader window. For technical issues, please call our Online Banking Support at (800) 400-6080.
The CBT Treasury mobile app has integrated multi-factor authentication, which includes secure tokens and requires two or more independent authentication factors. It provides Flexible Dual Control settings, requiring one or more users to issue approval for both maintenance and payment authorizations. And, account numbers are masked within the app.
No.
You can follow standard procedures for resetting, retrieving, or unlocking your ID through your Treasury Gateway online account.
You should immediately contact the bank if your device or login credentials have been lost or stolen or if there has been an unauthorized transaction. You can reset your password through your Treasury Gateway online account.
Download the CBT Treasury mobile app onto your new device. Then, log in to your online Treasury Internet Banking account and update your mobile number.
You can search "CBT Treasury" from the Google Play™ or Apple® App store then download the app onto your Android™ or Apple® mobile device and enter your Treasury Gateway® credentials to sign in.
The app allows unlimited users to enroll using the same device, as long as each user has unique login credentials. Only one user can sign in on the same device at the same time.
Ensure that you have set up your mobile account preferences through your Treasury Internet Banking account. Check to see if your device and operating system are supported by the CBT Treasury mobile app. Make sure you have data access on your device.
Banking with the CBT Treasury mobile app is free.
To sign up, contact Treasury Management Customer Service at (888) 316-6500 in Southern California or (888) 316-0900 in Northern California or email us and accept the CBT Treasury Mobile Access Addendum. You can then enroll through your CalBank online account, and accept the user terms.
This depends on the account settings you've established through Treasury Internet Banking.
If you have:
In May 2016, the U.S. Department of Treasury’s Financial Crimes Enforcement Network (FinCEN) proposed and Congress approved the gathering of certain beneficial owner information as part of explicit Customer Due Diligence (CDD) requirements under the BSA.
The rule applies to all types of legal entity business types registered by a state registering authority such as incorporations, limited liability companies, partnerships and others. A legal entity does not include natural persons, personal trusts, sole proprietorships and unincorporated associations.
The rule also does not apply to the following:
FinCEN asserts this change to CDD requirements will advance the purpose of the BSA as follows:
The mandatory compliance date for all FIs is May 11, 2018.
All new legal entity (commercial) customers and their beneficial owners.
The definition of “beneficial owner” has two components or “prongs” and can be applied on an either/or basis:
Note: FinCEN recognizes that FIs lack an ability to verify the status of an individual as a beneficial owner. As such, FIs are permitted to rely on customer representations and certification to determine the beneficial owners of a legal entity customer.
Existing Customer Requirements
No – this feature has no cost. However, certain products and features that may have costs or fees associated with them may require the use of Dual Auth or other security features such as Enhanced Account Protection.
No – an approver's credentials cannot be those of the person that created or modified the transaction. It's best to have at least two users designated as having approval authority.
The enrollment form is available on the internet for download and on the banks website for branches. The customer will receive an email notification that the service has been set up.
Companies can have as many approvers as desired. On a per transaction basis, we are supporting only the requirement for one approver per transaction at this time. We may support multiple approvers per transaction in the future.
A Company System Administrator (CSA) can grant or remove the Approver designation for any user within Online Banking, by accessing the Admin tab on the main menu. By clicking on the user name, the CSA can then check or uncheck the Approver flag as desired. If Dual Auth is also turned on for User Administration, any changes to a user profile must then be approved by a second CSA's credentials.
There is no dollar limit associated with dual authorization. Some features such as ACH and Online Wires may have dollar limits associated to them regardless of whether Dual Auth is used or not.
*Note – Dual Authorization is NOT available for Bill Pay transactions at this time.
Use of certain features may require use of Dual Auth or other security features such as Enhanced Account Protection. At this time, only enrollment in Online Wires requires the use of either one of these two security features.
Not at this time. Enrollment will be completed through online/paper forms. An evaluation of whether to add the options within the BET enrollment process will be made after we've developed some history with a wider use of the feature.
Users can set up Alerts inside Online Banking (Home/Alerts & Messages/Manage Account Alerts) so they will receive an email when a transaction requires approval or has expired without approval. When logging in to Online Banking, the Info Center on the My Bank page will display any pending approvals.
Yes. They would need to contact the bank or Customer Contact Center to have the feature disabled. The customer could also send a Secure Message inside Online Banking to request disabling of the Dual Auth feature. If they are enrolled in Online Wires, they would need to begin using Enhanced Account Protection instead.
Unfortunately, this can happen, and there is no warning advising the CSA that removal of the only other Approver would result in transactions that could not be approved and therefore would never get executed. The transactions would continue to show as requiring approval; this would alert the CSA that there are outstanding approvals. To remedy the situation, the CSA could give another user Approval status, or create a new user with Approval status; otherwise the CSA would need to contact the bank or the Customer Contact Center for assistance.
Initial enrollment will include identification of the Approvers; the operations team responsible for setting up the Dual Auth feature will advise the company by email that the service has been turned on.
For most types of approvals, an Approver does not have to be a CSA. However, companies that choose to use Dual Auth for User Entitlements must have at least two (2) CSA's, since any User Entitlement change must be executed by one CSA and then approved with a different CSA's credentials.
Both are internal security controls for your online banking activities.
Transactions can be created in Mobile Banking under services that use Dual Authorization, such as Internal Transfers, Transfers to a Friend, and External Transfers; however, approvals for those transactions would need to be made by an Approver logging into the Online Banking application. There is no support for transaction approval to be given through Mobile Banking at this time.
No. Dual Authorization can only be set up by feature (Internal Transfers, Transfers to a Friend, ACH Payroll, etc.) not by account.
Dual Authorization (Dual Auth) is an internal security tool that allows small business banking customers to require certain types of activities and transactions to have a second user's credentials approve a submitted transaction.
In Business Online Banking, only those users who have full entitlement to both view and transact in all accounts will be able to view eTax Documents in the business's Online Banking profile. Users with limited entitlements cannot view eTax Documents. Contact your Company System Administrator (CSA) to make user entitlement updates.
Our customers prefer using our lockbox as we handle their invoice collection paperwork and all the information is available online wherever/whenever they need to see it.
Factoring is working capital financing provided through the discounted purchase of qualified accounts receivable, typically offered to rapidly growing companies or businesses in financial transition. The factor purchases eligible invoices from a completed service or accepted product and essentially transfers the credit risk from the client to the client’s customer.
If you have an existing line of credit and you are happy with the structure and line amount, you should not look at making a change.
It certainly can be more expensive than traditional bank financing but for the additional flexibility, frequently it is a trade-off that many companies are willing to make. Plus, it is viewed as bridge financing, a 6-36-month solution on average.
Great, so you understand the product and basic process. Would you be interested in hearing how Amegy may be able to offer you a better structure and price with a bank managed factoring facility?
Much of our contact is transparent to the customer. We will need to have invoice payments sent to the Bank lockbox and notification is made to the customer, usually the AP department, regarding the payment redirect. We also verify a certain percentage of outstanding invoices. This can be done via portal, email, or phone call. Every situation is different. Plus, having a Bank managed working capital facility gives a business credibility with its customers.
No. There is no incremental cost to you associated with the enhanced rewards program.
We built the enhanced rewards program to deliver increased value, clarity and simplicity – so the new rewards structure will be an attractive upgrade for all impacted clients. Effective February 1st, 2017, the old rewards program will no longer be available.
Qualifying purchases are those processed in the merchant categories listed below.
3%/3x Categories: |
2%/2x Categories: |
||
Cellular Services |
MCC 4814 |
Airlines |
MCC 3000 – 3299 |
Internet Services |
MCC 4816 |
Vehicle Rentals |
MCC 3300 – 3499 |
Office Supplies |
MCC 5943 and 5111 |
||
Cable TV |
MCC 4899 |
||
Telecommunications |
MCC 4812 |
||
Based on customer feedback, we wanted to enhance our current Business Credit Card rewards offerings to provide a simple earning structure that delivers even more value.
Nothing. The enhanced 3, 2, 1 rewards program will automatically be assigned to your account on February 1st, 2017.
Yes. Your final Annual Bonus will be awarded with your January, 2017 monthly billing statement.
For AmaZing Cash Back:
We have changed and added to the list of Enhanced Earn Purchase types, while increasing your earn rate from 2% to 3% in select categories. Below is a comparison of the old program vs. the new program.
Purchase Category |
Old Program |
New Program |
Cellular Services |
2% |
3% |
Internet Services |
2% |
3% |
Office Supplies |
2% |
3% |
Cable TV |
2% |
3% |
Telecommunications (Land line) |
2% |
3% |
Insurance Premiums |
2% |
1% |
Airline Tickets |
1% |
2% |
Car Rental |
1% |
2% |
For AmaZing Rewards Points:
Instead of the once-annual AmaZing Rewards points bonus (detailed below), cardholders will earn 3x and 2x rewards points in select purchase categories, awarded each month when statements cut. See the first question for a full list of Enhanced Earn Purchases.
Cardholders earned an annual rewards bonus based on their annual spending. Annual Bonus earn rates were determined by annual purchase volume as outlined in the matrix below.
If your annual Qualified Net Purchases total: |
your AmaZing Rewards Annual Bonus can be this percentage of your 1% AmaZing Rewards:1 |
For example, if your annual Qualified Net Purchases total: |
you will earn 1 AmaZing Rewards point for each dollar spent, equaling: |
plus, you are eligible for an AmaZing Rewards Annual Bonus of: |
So the annual total of your AmaZing Rewards earnings could be as much as:2 |
$0 - $49,999 |
0% |
$45,000 |
45,000 |
0 |
45,000 |
$50,000 - $99,999 |
5% |
$70,500 |
70,500 |
3,525 |
74,025 |
$100,000 - $149,999 |
10% |
$120,500 |
120,500 |
12,050 |
132,550 |
$150,000 - $199,999 |
15% |
$170,500 |
170,500 |
25,575 |
195,075 |
$200,000 - $249,999 |
20% |
$220,500 |
220,500 |
44,100 |
264,600 |
$250,000 or more |
25% |
$400,000 |
400,000 |
100,000 |
500,000 |
No. Your current rewards balance will not be affected. Future Cash Back or AmaZing Rewards Points will be added to your existing rewards balance.
For both the AmaZing Cash for Business and AmaZing Rewards for Business programs, Enhanced Earn rates will be awarded on Net Purchases in qualifying categories up to $150,000 combined spending per calendar year. For example, if you spend $100,000 in 3%/3x categories and $100,000 in 2%/2x categories, totaling $200,000, only the first $150,000 will qualify for the Enhanced Earn rates. The remaining $50,000 will earn the standard 1%/1x.
No. The process for redeeming Cash Back or Points will not change.
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 click on the Direct Business Login link located in the top left box.
Yes.
Scan and Send to deposit your business checks with Remote Deposit. Remote Deposit is a revolutionary technology that enables your business to scan paper checks directly from your office and transmit those images to the bank via a secure internet connection for processing and clearing.
Yes, you may access both business and personal accounts if your personal accounts are linked to your business profile.
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.
Your monthly fees are waived for the first 3 accounts; however, bill payment fees, if applicable, will be charged to your account.
Direct Business Internet Banking* and Bill Pay |
|
Monthly Fee: |
|
1 – 3 accounts |
No Charge |
4 – 8 Accounts |
$5 per account |
Set-up Fee |
No Charge |
Bill Pay Service Fee: |
|
1 – 20 bill payments |
No Charge |
21+ bill payments |
$0.50 per payment |
Transfers between authorized CB&T accounts |
No Charge** |
PC Banking Fee for Quicken®, Quickbooks® |
$8/month |
Direct Business Plus Internet Banking* and Bill Pay |
|
Monthly Fee: |
$20 |
1- 3 accounts |
No Charge |
4 – 8 Accounts |
$5 per account |
Set Up Fee |
No Charge |
Bill Pay Service Fee: |
|
1 – 20 bill payments |
No Charge |
21+ bill payments |
$0.50 per payment |
Transfers between authorized CB&T accounts |
No Charge** |
PC Banking Fee for Quicken®, Quickbooks® |
$8 per month |
Additional Features: |
|
ACH – Employee Direct Deposit |
|
1 – 20 ACH Direct Deposits |
No Charge |
21+ ACH Direct Deposits |
$2 per item |
Electronic Tax Payments |
$5 per payment |
* See Direct Business and Direct Business Plus Internet Banking User Terms and Conditions Agreement for additional information.
** Certain accounts are subject to transaction limitations and a fee may be imposed for transactions exceeding these limitations.
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 18 months or as long as your accounts have been activated for Direct Business, whichever is less.
For questions regarding Direct Business Internet Banking, or if you need technical assistance, please contact Direct Business Internet Banking at (877) 650-0095. Customer Service - Monday through Friday, 6am–7pm PT, Password Reset - Monday through Saturday, 6am–7pm PT.
Direct Business information is secured through the use of a unique Login ID, Company 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 Log Out button located at the top of the right navigational toolbar. Once you have logged off, no further transactions can be processed until you log on to the system again.
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.
Account activity and bill payment information history stays on Direct Business for up to 18 months, 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 or Quicken. Direct Business offers easy downloading of your transaction information via a Download button in the Account Detail section.
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.
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 Treasury Internet Banking, our more comprehensive online banking solution.
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. Some examples of FDIC-insured deposits include:
If your combined ZB, N.A. account balances exceed $250,000, there are several quick and easy ways to increase or maximize your insurance coverage.
Deposits maintained in different categories of legal ownership and meeting the FDIC's requirements are separately insured. So you can have more than $250,000 insurance coverage at ZB, N.A. through a combination of different categories of ownership. The most common categories of ownership are single accounts, joint accounts, and revocable trust accounts.
In addition to the FDIC insurance on your other deposits, each depositor is separately insured up to $250,000 for funds held in certain retirement accounts.
For example, FDIC deposit insurance could increase to $500,000 for funds in joint accounts for two depositors. Each of those depositors could also have up to $250,000 of deposit insurance for funds in each of their single accounts, and another $250,000 of deposit insurance for funds in each of their IRAs.
You can't increase FDIC insurance by dividing funds in the same ownership category among different accounts. The type of account—whether checking, savings, CD, or outstanding cashier's check or other form of deposit—has no bearing on the amount of insurance coverage. So, having $250,000 in both a single ownership savings account and a single ownership CD, doesn't result in more than $250,000 total insurance coverage.
The examples provided below are for demonstration purposes only and should not be relied upon as they may not directly apply to every account holder. Account holders should speak with a California Bank & Trust representative for additional information and may need to contact the FDIC (as the provider of the insurance) depending on the specific situation.
Examples:
$2,000,000 FDIC-Insured Deposits for a Family or Group of Two |
|
Customer 1's single account |
$250,000 |
Customer 2's single account |
$250,000 |
Joint account |
$500,000 |
Customer 1's IRA |
$250,000 |
Customer 2's IRA |
$250,000 |
Customer 1's payable on death to Customer 2 |
$250,000 |
Customer 2's payable on death to Customer 1 |
$250,000 |
$3,500,000 FDIC-Insured Deposits for a Family or Group of Four |
|
Customer 1's single account |
$250,000 |
Customer 2's single account |
$250,000 |
Joint account |
$500,000 |
Customer 3's aggregate joint account funds |
$250,000 |
Customer 4's aggregate joint account funds |
$250,000 |
Customer 1's IRA |
$250,000 |
Customer 2's IRA |
$250,000 |
Customer 1's payable on death to Customer 2 |
$250,000 |
Customer 2's payable on death to Customer 1 |
$250,000 |
Customer 1's payable on death to Customer 3 |
$250,000 |
Customer 1's payable on death to Customer 4 |
$250,000 |
Customer 2's payable on death to Customer 3 |
$250,000 |
Customer 2's payable on death to Customer 4 |
$250,000 |
Accounts in the name of a living trust—often referred to as testamentary, payable on death or revocable trusts—are insured separately from any individual or jointly-owned funds of the owner(s). For the purposes of FDIC-insurance coverage, a beneficiary is defined as a living natural person, charity (valid under IRS rules), or non-profit organization (valid under IRS rules). Assuming all FDIC requirements are met, the funds are insured to $250,000 for each eligible beneficiary. See the following example.
The Family Trust |
|
Owners: Owner 1 and Owner 2 |
|
Beneficiaries: Beneficiary 1 and Beneficiary 2 |
|
Owner 1 in trust for Beneficiary 1 |
$250,000 |
Owner 1 in trust for Beneficiary 2 |
$250,000 |
Owner 2 in trust for Beneficiary 1 |
$250,000 |
Owner 2 in trust for Beneficiary 2 |
$250,000 |
Your routing number, or routing transit number (RTN) assigned by the ABA, will be assigned based on your account opening location.
ABA routing numbers are assigned as follows:
Northern CA Area – 121002042
Southern CA Area – 122003396
San Diego Area – 122232109
Find your routing number on checks:
Your routing number can also be found at the bottom of your checks. This will show as the first 9-digit number on the bottom left side, located on the MICR number line.
For additional information, please call the CB&T Customer Contact Center during business hours at (800) 400-6080 (available Mon.-Fri., 7am-7pm and Sat., 9am-5pm PT), or visit the nearest branch.
Absolutely. OnCard is great for travelling. The reserve feature helps you store money in advance for travel expenses. The OnCard app gives visibility to your spending. Also, additional OnCards are great for families with teens wishing to establish or manage a travel budget.
As with other payment tools, we recommend notifying the bank of your travel plans to help avoid card disruption while traveling. While VISA^® is accepted worldwide, for international travel, please be aware that OnCard does not currently come with an EMV chip. Some countries require chip technology, so please check your country of travel for chip requirements before you leave.
Anywhere Visa is accepted, including person-to-person platforms. You may also use it to pay bills and access cash at a merchant’s terminal or an ATM.
There is a limit of one primary OnCard account per individual. Once you have your primary OnCard account, you may allow one secondary cardholder and up to five dependent OnCards within your account.
Although you may only have one primary OnCard account, you are allowed to be a secondary or dependent on up to 5 other accounts.
OnCard is a great solution for you if you are interested in:
You can set up or update your PIN from within the OnCard app or website by selecting: Card Management > Change PIN. You can also change your PIN by phone by calling the phone number located on the back of your OnCard.
Maximum monthly balance of all OnCards combined is $10,000.
OnCard works with all person-to-person applications that support the VISA card network. Please refer to the specific application for possible restrictions.
Yes. The technology supporting OnCard is PCI (Payment Card Industry) compliant and uses Transport Layer Security (TLS) to secure any data transferred to and from pages where you submit or view personal information.
There is a one-time fee of $5 to enroll for OnCard. If you’d like to add additional cardholders to your account, there is a one-time fee of $3 per additional cardholder.
OnCard allows you to remove funds from your available balance and save them for later by using the Reserve feature.
Login to your OnCard app or website, select Add Money > Reserve, then specify the amount you want to reserve.
Funds in Reserve can’t be used towards purchases until you move them back to your available balance. Your available balance in your OnCard app will not include funds set aside in reserve, however, your Online Banking will continue to show the total amount of funds in your OnCard account.
Yes, you can use OnCard for PIN purchases.
You can check your balance and transactions any time in the OnCard app or website. You can also call the number on the back of your card.
You can enroll online by logging into your regular Online Banking account, selecting Services > Apply Now > OnCard Prepaid Debit Card. You may also visit a branch location. You must have a deposit account (checking or savings) with us to qualify for the OnCard account.
If you do not yet have a checking or savings account, you may open one at a branch or online. If you apply online, you will need to wait until you receive email confirmation of your new checking or savings account before enrolling in OnCard.
Your card typically arrives within 7-10 days.
We are required to collect this information to identify all cardholders in compliance with the USA PATRIOT Act, which helps minimize the risks associated with money laundering and terrorist funding.
You can load cash to your OnCard at any branch location in our great family of banks. This includes: Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank, and Zions First National Bank. OnCard cannot be loaded at an ATM.
You can establish funding from another bank account by logging in to the OnCard app or website, selecting Add Money > Funding Accounts. After inputting the account information, two trial deposits will be sent to that account that you will need to verify. These trial deposits may take two to three days to show in your history. When you find them, return to the OnCard app or website and click Verify Funding Source. Enter the trial deposit amounts in the two fields provided (the order doesn’t matter). Once you’re finished, you’ll be able to load by clicking Load Card any time from the app or website. ACH transfers take 3-5 business days to be funded to your OnCard account. You may only have one ACH loading account set up at a time.
When paying for certain kinds of transactions with your OnCard, the merchant accepting the card may request advance authorization of that transaction and may estimate the amount of the transaction. This is usually because the final purchase amount is not known at the time you present your card. For example:
An “Authorization Hold” is a temporary hold on the funds available on your card for the amount of that authorized transaction. An Authorization Hold generally will be released within 3 business days after the date we authorized that transaction. However, certain merchants—especially rental car companies, hotels, and others that authorize high dollar amounts—may cause an Authorization Hold to remain in effect for an extended period of time. You can see each Authorization Hold on the funds available on your card at any time by calling the number on the back of your card or logging in to the OnCard app or website. Certain transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it's best to ask before presenting your card.
On the OnCard app or website, navigate to Add/Transfer Money > Load Card. There are two types of connections available, instant loads, and ACH loads. Instant load accounts are pre-loaded to your OnCard during enrollment for the Primary cardholder from eligible checking, savings and money market accounts. ACH account loads are available to all cardholders, and take 3-5 days to load. You may only have one ACH loading account set up at a time.
Yes. If the merchant’s terminal accepts credit, select the credit option. You will be asked for your signature and will not be asked for your PIN. Please note that your card is still a prepaid debit card and can only be used for the funds available on your account. Selecting credit only changes the way the card processes. It does not change your card type, and therefore does not extend you credit.
Yes. You can lock and unlock your OnCard using the app or website. The Primary OnCard account holder can lock and unlock additional OnCards within their account.
Alerts are a way of getting automated notifications about your balance, transactions, and status. You choose the Alerts you want to receive and how you want to receive them—either as an email, or push notification delivered to your wireless phone or other mobile device. Standard messaging or data rates may apply.
Any refund for goods or services will be provided in the form of a credit to your OnCard. While most merchants settle these at night, this may vary depending on the merchant. Verify with the merchant when you should expect to see a credit. Typically, a credit from a return should reflect on your OnCard within a few business days.
Yes, especially if you’re interested in:
OnCard enrollment requires that the primary cardholder have a checking or savings account with the bank. If you do not have a checking or savings account, you can apply online or at a branch before beginning your OnCard enrollment. If you apply online, you will need to wait until you receive email confirmation of your new checking or savings account before enrolling in OnCard. Instantly approved accounts will receive an email right away, whereas accounts requiring additional follow-up will take 1-2 business days.
Within your OnCard app or website, select My Account > Alerts. You can choose to receive alerts for additional OnCards as well. Remember to check your phone settings to allow push notifications from OnCard.
Both the primary and secondary cardholders have full controls on all cards. You can transfer money in and out of each card, lock the cards, and lock the ability to manage or fund a card. You can lock or unlock various features at any time through the OnCard app or website by navigating to Card Management > Access Controls.
Please note, our customer service agents will assist an additional OnCard cardholder if he/she reports a card lost or stolen, even if card management is disabled. All new and replacement cards are sent to the primary cardholder address on record.
OnCard is a powerful money-management app connected to a reloadable prepaid debit card that allows you to both budget and share money with family and friends.
The trial deposits are valid for 45 days. After 45 days, or if you enter the amounts incorrectly 3 times, you will need to remove the funding account and start over.
For dependent cards, the remaining balance can be transferred back to the primary account. When a secondary cardholder cancels, the funds remain on the primary card holder’s account.
For primary cardholders, we encourage you to remove all funds from your card prior to closing. You can do this by using your card in a split tender transaction or by bringing your card to a branch location to withdraw the remaining funds.
If there are still funds on the primary cardholder account at closing, we will begin the refund process. The refund process may take up to 30 days, so please try to use your entire balance prior to closing. When possible, we will transfer the funds back to the primary carhdolder’s account. If the bank account has also been closed, we will issue a check to the last address on file.
Yes. You can use your OnCard the same way you would use any VISA® card for payments.
No, there is no minimum balance requirement. However, if all OnCards within your account maintain a zero balance with no activity, the account may be subject to closure after a year.
Log into the OnCard app or website and select Add/Transfer Money > Direct Deposit. Your direct deposit information will include the routing number and account number, which you can then use in setting up your Direct Deposit.
The OnCard Reserve feature allows you to set aside funds for later purchases. These funds will show as part of your overall OnCard account in your online banking experience, however they do not show as part of your available funds in the OnCard app. Reserve funds are set aside and will not count towards available funds for purchases.
There is a daily maximum of $500 for ATM cash withdrawals. The maximum amount for cash back from merchants is $100 per transaction and $500 per day. The daily limit for over-the-counter cash is $100 per transaction and $300 per day. The daily limit for all transactions, including purchases at VISA® Merchants, is $3,000.
You can withdraw cash at any ATM that displays the VISA® or STAR logo. There is no fee when receiving cash from any of our branch locations, which includes: Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank, and Zions First National Bank.
Some merchants will allow you to receive cash back when you use your OnCard and PIN to make a purchase.
Yes. OnCard is a great tool for online purchases.
We will send you a new card before your expiration date. Please remember to update any recurring payments, as your replacement card will have a new number.
You may activate your card by visiting the OnCard activation pages below, or within the OnCard mobile app by selecting Active/New User.
For California Bank and Trust
https://www.calbanktrust.com/oncard-activate
You can transfer money by logging in to the OnCard app or website and selecting Add/Transfer Money > OnCard to OnCard Transfer.
You can also load funds directly to another OnCard by the same process used to load your own OnCard – just select their card when loading.
These services are currently not supported by OnCard.
No, a credit check is not required to open an OnCard account. OnCard is a reloadable prepaid debit card and no credit check is performed.
OnCard works best if you utilize both the money-management app and the reloadable prepaid debit card together.
As a reloadable prepaid debit card, you load money to your card account and only the amount you load is available to access. You can add money to your OnCard over and over, making it an everyday payment tool. OnCard can be used to make purchases at a store, online, to pay bills, and to make person-to-person payments.
With the app, you turn your everyday payment tool into a money-management solution for budgeting and sharing money.
To budget, simply use your OnCard for all your everyday purchases. The app will establish a starting budget for you after 30 days. You can then plan the budget you want by adjusting budget categories. The app will help you track where you're within budget and where you're over. Trend reports are created to give you visibility month to month so you can continue to fine-tune and adjust your budget as desired.
To share money, you can add more OnCards to your account. You can add one Secondary, which has the same rights as the Primary, and up to 5 Dependent OnCard cardholders that have limited rights. The Primary and Secondary can transfer money to and from any of the Dependent OnCards. This capability is great for managing allowance, providing college students controlled access to money, or delegating purchases.
The app also offers the ability to set aside funds for later use. This allows you to plan for future expenses by reserving money in a separate, visible space within your OnCard account. Additionally, the app provides you card controls like lock, unlock and alert services.
To enroll in your own OnCard account, you must be at least 18 years old. You may add a Secondary cardholder that is also 18 or older. When adding up to five additional Dependent OnCards, cardholders must be age 13 or older. Dependent cardholders under 18 must be on an account where the Primary is their parent or legal custodian.
You can add a Secondary or Dependent cardholder any time by opening your OnCard app, then selecting: My Account/Add Additional OnCards. Additional cardholders do not require a checking or savings account.
Yes. Once you activate your OnCard, you will receive periodic electronic statements showing all activity on your OnCard. To access your statements, go to My Account > Statements within the OnCard app or website.
You can order a replacement card by contacting the number on the back of your card.
To enroll in your own OnCard account, you must be 18 years old or older. Secondary cardholders must also be 18 or older. Additional cardholders—you may add up to five—must be 13 years old or older, and cardholders under 18 must be on a parent or legal custodian’s account.
There are several ways to load your OnCard. You can transfer funds from your bank account, add cash at a branch location, direct deposit funds, or transfer funds from a third-party bank.
You can update the address on the OnCard site by navigating to MyAccount > Your Address. You can also call our customer care center using the number on the back of your card. The address must be a valid U.S. address (no foreign addresses allowed).
All OnCards will be sent to the primary cardholder’s address on file. This includes additional cards such as a secondary or dependent card.
To dispute a transaction please call the toll-free number on the back of your OnCard to speak to one our customer service representatives.
The initial load has a minimum of $25 and a maximum of $1,000. After that, there is no minimum load amount for instant loads from your account, direct deposit, or loading cash at a branch location.
When loading from an ACH bank account, the minimum load is $25.
There is a maximum load amount of $3,000 per day per account. Maximum requirements are established on prepaid accounts in compliance with anti-money laundering measures.
Pending transactions are authorizations for a specific amount that have not yet been processed for payment. The funds are still in your account, but are reserved and cannot be used. A posted transaction has been submitted and cleared for payment. The amount of the transaction has been deducted from the funds available on your OnCard.
No. Because OnCard is a reloadable prepaid debit card, no credit check is required, and usage does not affect your credit rating.
First, lock your card using your OnCard app or website. Second, notify the bank. You can use your OnCard app or website by selecting Card Management < Report Card Lost/Stolen, or call the number on the back of your card. If your card has been used for unauthorized purchases, a customer service agent will be able to assist you with the dispute process.