Premium Interest Checking

The Premium Interest Checking account is filled with benefits designed to help elevate your personal financial management.

Considerations Details

Opening Balance


Monthly Service Fee


Can the Monthly Service Fee Be Waived?

Yes, by maintaining a combined personal deposit balance of $10,000 or a combined personal deposit and personal loan/credit card balance of $25,000.1

Monthly Paper Statement Fee

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

Features and Benefits

  • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances3
  • No California Bank & Trust withdrawal charge on up to three (3) transactions at other banks’ ATMs per month. Plus, we will rebate up to three (3) ATM fees charged by other banks each month.4
  • No monthly service fee for additional Savings or Money Market accounts linked to your relationship5
  • Prevent overdrafts with automatic transfers from Savings or a Money Reserve Line at no charge6
  • Use Online Banking and Online Bill Pay to manage finances on your time through a mobile phone, tablet, or computer7
  • Skip the branch and deposit checks through your mobile device8
  • Move your money digitally with direct deposit, automatic withdrawals, and Popmoney® person-to-person transfers9
  • Shop anywhere Visa® is accepted with your California Bank & Trust Debit card or Credit card,10 including support for Apple® / AndroidTM / Samsung® Pay11


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. Premium Rate Tier – Premium rate tiers are applied automatically to qualified accounts when the primary owner of the checking account is also an owner of the linked interest-bearing account. Please see Consumer Deposit Rate Sheet for details.

4. 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.

5. Linked Account Benefit – Monthly service fees are waived when the primary owner of the checking account is also an owner on the linked account.

6. Overdraft Protection Services – When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a designated, eligible linked deposit account or Money Reserve line (subject to credit approval). Subject to minimum transfer amount.

7. 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.

8. 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.

9. 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.

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

11. 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.

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.