Money Market Account

Ideal for customers who want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds.

Considerations Details

Opening Balance


Withdrawal Limits

Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee.1

Can the Monthly Service Fee Be Waived?

Yes, by maintaining a minimum daily balance of $1,000, otherwise $10.2

Monthly Paper Statement Fee

No charge, if you opt out of paper statements in favor of eStatements; otherwise $2.3

Features and Benefits

  • Variable rate, compounded daily,4 paid monthly
  • Earn a more competitive interest rate than traditional savings accounts on balances over $1,000
  • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account
  • Make unlimited withdrawals at a California Bank & Trust branch or ATM5
  • Write checks for extra flexibility in accessing your Money Market funds
  • Use Online Banking to manage finances on your time through a mobile phone, tablet, or computer6


Apply in person at one of our locations.

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. Excessive Savings or Money Market Withdrawals – Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. An excessive withdrawal fee of up to $15 is assessed if you exceed your withdrawal limits during a monthly statement cycle.

If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account.

2. 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.

3. 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.

4. Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a branch for details.

5. 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.

6. 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.

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.