Anytime Interest Checking

Anytime Interest Checking gets you more with convenient online and mobile banking tools, interest on balances, and other loyalty benefits.

Considerations Details

Opening Balance

$50

Monthly Service Fee

$11

Can the Monthly Service Fee Be Waived?

Enjoy no monthly service fee when you maintain a minimum daily balance of $1,500 or a combined deposit and consumer loan balance of at least $10,000, otherwise $11.1

Monthly Paper Statement Fee

No charge, if you opt out of paper statements in favor of eStatements; otherwise $2.2

Features and Benefits

Apply

Apply in person at one of our locations.

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

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

1. Minimum Balance/Combined Balance Requirements – In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.

2. eDocuments – To avoid the Paper Statement Fee of $2, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements.

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

4. Online Banking & Mobile Banking – Mobile banking is included at no cost from California Bank & Trust. Requires download of smartphone or tablet version of California Bank & Trust app from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Subject to the terms and conditions of the Online Banking Services Agreement.

5. Mobile Deposits – Take a picture of your check deposit and submit through your mobile phone. Limits apply: see “Mobile Check Deposit Limits” table here. Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App and enrollment in mobile banking.

6. Popmoney® – Popmoney personal payment services are provided through Cash Edge, Inc. and/or its affiliates. Popmoney® is a registered trademark of Fiserv, Inc. or its affiliates. See your Popmoney Service Agreement for complete details. Popmoney service fees apply. Available services are subject to change without notice. Standard text message and data rates from your mobile phone carrier may apply.

7. Credit Cards – Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply.

8. Trademarks – Apple Pay®, Samsung Pay®, and Android PayTM trademarks used are the property of their registered owner and ZB, N.A. is neither affiliated with nor endorses these companies or their products/services. Visa® is the registered trademark of Visa International Service Association and ZB, N.A. does not claim any ownership or exclusive rights to the use of this trademark.

9. ATM Charges – An ATM charge of up to $2 applies to withdrawals conducted at an ATM not owned or operated by ZB, N.A. Other bank or ATM operator fees may also apply to any transaction conducted at an ATM not owned or operated by ZB, N.A. Select California Bank & Trust Checking accounts include waivers of ATM fees from California Bank & Trust and/ or rebates of charges from the non-ZB, N.A. ATMs. International ATM transactions are not waived or rebated.

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