Business FAQs

Online Banking

eDocuments – eStatements / eNotices / eTax Documents

 

What is Direct Business Internet Banking and Direct Business Plus Internet Banking?

Direct Business Internet Banking and Direct Business Plus Internet 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:

  • A summary of your account, loan, and credit card balances
  • Access to Quick Transfers for moving money between accounts quickly
  • An Info Center to inform you of unread security alerts, account messages, and personal reminders
  • A quick view of your most recent pending, cleared, and scheduled transactions
  • A printer-friendly view of your My Bank summary page

The services page is designed to organize links to other online services into different categories to help you find what you're looking for.

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What can I do with Direct Business?

  • Pay bills and set up current and future payments;
  • Select whom to pay, how much and when
  • Retrieve up-to-date balances on your accounts
  • View account balance information and transaction history (beginning from the service activation date) up to 18 months going forward on a rolling basis
  • View check images online
  • Set up account alerts
  • Export information into leading accounting software titles, including QuickBooks
  • Transfer funds between authorized accounts
  • Combine up to 10 invoices and 2 credit memos in one payment
  • View loan and credit card information
  • You decide who in your company has what level of authority
  • Securely email California Bank & Trust
  • Place stop payments online
  • Transfer funds from your account to the account of another online banking customer at CB&T
  • Easy, online Travel Notifications—notify CB&T of your travel plans online and help prevent your credit or debit card from being blocked while traveling
  • Dispute an unauthorized ACH or card transaction on your account
  • Initiate domestic outgoing wire payments
  • Enroll in CBT Business Mobile Banking
  • Make deposits through CBT Business Mobile Deposit
  • View your statements, notices and tax documents online with eDocuments

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What can I do with Direct Business Plus Internet Banking?

All the conveniences of our basic Direct Business Internet Banking, plus these additional benefits:

  • Make Federal and State tax payments online
  • Transfer payroll and reimbursement funds directly to employee accounts

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How do I apply for Direct Business or Direct Business Plus Internet Banking?

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How much does Direct Business or Direct Business Plus Internet Banking cost?

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
(number of accounts capped at 8)
$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
(number of accounts capped at 8)
$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.

*** Monthly fees may not be charged to Account Analysis.

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If I have multiple businesses, can I sign them all up for Direct Business?

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 CalBank Network Internet-based Treasury Management.

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How do I access my accounts with Direct Business?

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.

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I have both personal and business accounts with California Bank & Trust; can I access all accounts with Direct Business?

Yes, you may access both business and personal accounts if your personal accounts are linked to your business profile.

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Can I get copies of checks through Direct Business?

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.

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Can I download my information into leading financial software titles?

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

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Can I transfer funds between accounts?

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.

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Can I view and make loan payments with Direct Business?

Yes.

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Who can I call with questions or if I need technical assistance with Direct Business?

For questions regarding Direct Business Internet Banking, or if you need technical assistance, please contact Direct Business Internet Banking Customer Service-Monday through Friday, 7 a.m.–7 p.m. PT (877) 650-0095 Password Reset-Monday through Sunday, 6 a.m.–10 p.m. PT

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How can I keep my information private?

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.

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How do I enroll in Bill Pay?

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.

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What are the system requirements?

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.

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How can I transfer funds to a friend or family member?

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.

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How does the eDocuments system work?

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:

  • Log into Online Banking via www.calbanktrust.com
  • Your eStatement, eNotice, and eTax Document will be available through the eDocuments link.

You can save a PDF version of your eDocument on your hard drive if you wish, or print it out. Copies of the eStatements and eNotices will be kept online by our Online Banking service for a rolling 18 months. eTax Documents will be available for at least the previous 2 tax years.

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Do I have to sign up for Online Banking in order to use the eDocuments service?

Yes. This feature is only available through Online Banking service for both personal and business customers.

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How do I enroll in eDocuments and stop receiving paper documents?

  1. Log into Online Banking via www.calbanktrust.com
  2. Navigate to the eDocuments link
  3. Select "My eDocument Preferences" under Quick Links
  4. Choose which Service(s) you desire: eStatements, eNotices, and/or eTax Documents.
  5. For eStatements and/or eNotices services, you select which eligible accounts you want to enroll.
  6. For eTax Documents, all eligible accounts that we report under your tax identification number will be enrolled.

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What is the difference between an eStatement and the "Account Activity" information available in Online Banking?

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.

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Will my eStatement/eNotice look the same as my printed document?

Yes. For legal purposes, a printed version of an online statement/notice is the same as a paper statement/notice.

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Will I still get images of my canceled checks with eStatements?

If you receive your 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.

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If I choose to receive an eStatements, eNotices, or eTax Document will I still receive a paper copy?

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.

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What if I can't open the eDocument?

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.

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What notices are available online?

The following notices are available through our eNotices service. You will be notified by email when a notice is generated.

  • NSF Notice – Non-Sufficient Funds Notice
  • Commercial Loan Statement
  • CD Interest Credited
  • Overdrawn Letter
  • Home Equity Credit Line Statement
  • CD Certificate Renewal Notice
  • Consumer Loan Statement
  • DDA Dormant Letter
  • IRA Statement
  • CD Advice of Credit
  • CD Retirement Plan Renewal Notice
  • Loan Payment Billing Statement
  • Final Loan Payment Billing Statement

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What Tax Documents are available online?*

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.

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When are new tax documents available to view?

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.

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How many tax years are available online?

eTax Documents are available online for at least the previous 2 tax years.

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Can I view eTax Documents?

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.

Business Account Customers:

  • eTax Documents can be seen only by those users who hold full entitlement to both view and transact for all accounts in the business's Online Banking profile. Users with limited entitlements cannot view eTax Documents. Contact your CSA (Customer System Administrator) to update your entitlements.
  • If another customer's accounts are linked to appear in a primary customer's Online Banking profile, those linked accounts (a) will not be opted out of paper when the primary customer enrolls in eTax Documents, and (b) will not display eTax Documents in the primary customer's Online Banking account. To opt out of paper tax documents, that linked customer must separately enroll in the eTax Documents service, and must view eTax Documents by logging in under its own Online Banking profile.

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Will I continue to receive paper tax documents if I've enrolled for eTax Documents?

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.

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How do I save or print my tax documents?

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.

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I have linked other accounts to my Online Banking profile. Will I see those tax forms?

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.

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Why can I see only some of the tax documents I'm expecting online?

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.

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Is there a fee for eTax Documents?

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.

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Can I print my online tax documents and submit with my taxes?

Yes, online eTax Documents are the official documents that can be submitted to the IRS for processing.

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I have a joint account; why can't I access our tax documents online?

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.

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Which business users are eligible to see eTax Documents?

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.

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