Personal Checking and Savings Options Brochure 2022

Personal Checking and Savings Options Brochure 2022

Personal Checking & Savings Options

So many choices — all of them good

It’s good to have choices. Even better to have help making them.

Managing your money is a lot easier when you have the right tools. That’s why we provide a wide range of banking products and services, along with the professional guidance to help you choose the ones that best meet your specific needs. Whether you bank in person, online, or with your smartphone, you won’t find an easier or friendlier solution. So take a look at our checking and savings accounts. All of them come with free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of banking professionals is here to help.

Personal Checking & Savings Options

Personal Checking Accounts Anytime Checking Anytime Interest Checking Premium Interest Checking Senior Advantage Checking OnBudget ® Banking Account Personal Savings Accounts Savings

6 7 8 9

10

11 12 13 14 14

Young Savers Money Market

Certificates of Deposit

IRA Money Market

Let us help you choose the accounts that are right for you.

We’re a bank of choice because w

At California Bank & Trust (CB&T), we understand that your n choice of primary checking, specialty checking, savings, and

This chart will help you compare our accounts, so you can fin

Access your accounts online or via our mobile device

You can also talk to live representatives, available M

2

For additional applicable disclosures, please refer to pages 15 – 17

we give you so many choices.

needs are unique. That’s why we give you a d money market accounts.

nd what best fits your needs.

e 24 hours a day, 7 days a week.

Monday through Saturday 6 a.m. to 7p.m.

Personal Checking Accounts

Overview

Interest Paid

Opening Balance Requirement

Online Banking

CB&T Mobile Banking

Visa ® Debit Card

Check Writing

ATM Access

eDocuments

Monthly Maintenance Fee

Avoid the Monthly Maintenance Fee

Monthly Paper Statement Fee

Additional Benefits

Anytime Checking ®

Anytime Checking helps get banking done at your convenience with access to online and mobile banking, mobile apps, and a network of branches and ATMs

N/A

$50

MONEY MANAGEM

Unlimited

Free at all CB&T ATMs 12

C

FEE INFORM

$6

$250 monthly Direct Deposit, 6d or 10 Debit or Credit card 10 transactions or for account holders ages 25 and younger 17

$2 Opt out of paper with eStatements 5

ADDI T IONAL B

See page 6

Anytime Interest Checking ®

Anytime Interest Checking gets you more with convenient online and mobile banking applications, 2 interest on balances, and other loyalty benefits

$50

MENT TOOL S

Unlimited

Three CB&T

One (1) fee waiver per statement month for transactions at non- California Bank & Trust ATMs. ATM operator fees may be assessed. 12

AT ION

$15

Minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000 6, 6a, 6b, 6c

Com

person

$2 Opt out of paper with eStatements 5

BENEFI TS

See page 7

Premium Interest Checking

The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management

Yes, Premium Rate

$50

Unlimited

e (3) fees waived per statement month for transactions at non- ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12

$25

mbined personal deposit balance of $10,000 or a combined nal deposit and personal loan/credit card balance of $25,000 6, 6b, 6c

$2 Opt out of paper with eStatements 5

See page 8

3 For additional applicable disclosures, please refer to pages 15 – 17

You will find descriptions of our account options on the fit a different lifestyle, but all of them come with standa you to easily manage your money when you want and f can answer any questions about the accounts. We’re h

5 For additional applicable disclosures, please refer to pages 15 – 17

e next several pages. Each one is designed to ard time- and money-saving features that allow from where you want. Please let us know if we here to help.

Personal Checking Accounts

Personal Savings Accounts

Savings

Senior Advantage Checking

OnBudget ® Banking Account

Designed for budget-conscious consumers looking for a basic account with a predictable, flat monthly service charge, no overdraft fees, and a digital banking experience

Ideal for customers w want a traditional sav account with a low min balance requireme

This account provides those age 62 or older with convenient money management tools and lower fees

Overview

Overview

Interest Paid

Yes, relationship rat available with Premi Interest Checking

No

No

Interest Paid

Opening Balance Requirement

$50

$25

Opening Balance Requirement

$50

MONEY MANAGEMENT TOOL S

Top Balance Tier

$100,000

Online Banking

Online Banking

CB&T Mobile Banking

CB&T Mobile Banking

Visa ® Debit Card

ATM Access

Check Writing

Unlimited

No

eDocuments

ATM Access

FEE INFO

eDocuments

$5

Monthly Maintenance Fee

FEE INFORMAT ION

Minimum daily balance $200 or by making a qua credit 6e of at least $25 b the last business day o monthly billing cycle o linking to a Premium In Checking account

$5

$5

Monthly Maintenance Fee

Avoid the Monthly Maintenance Fee

Minimum daily balance 6, 6a of $500 or incoming direct deposit 6d of at least $250 per statement month

This account charges a flat $5 a monthly maintenance fee that is not waivable

Avoid the Monthly Maintenance Fee

$2 Opt out of paper with eStatements 5

$2 Opt out of paper w eStatements 5

$0

Monthly Paper Statement Fee

Monthly Paper Statement Fee

ADDI T IONAL BENEFI TS

Additional savings options include Certificates of Deposit (CDs) competitive, fixed interest rate over a variety of term options.

Additional Benefits

See page 9

See page 10

FDIC protection of up to $250,000 per account holder comes sta

4 For additional applicable disclosures, please refer to pages 15 – 17

Young Savers

Money Market

Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances

A savings account for ages 25 and younger 17 that has no monthly service fee

who vings nimum ent

while having flexible access to their funds

tes ium

Yes, relationship rates available with Premium Interest Checking 9

g 9

$5

$500

$50,000

$250,000

ORMAT ION

$0

$12

e 6, 6a of alifying before of the or by nterest t 8

Minimum daily 6, 6a balance of $1,000 or by linking to

Ages 25 and younger

a Premium Interest Checking account 8

$2 Opt out of paper with eStatements 5

$2 Opt out of paper with eStatements 5

with

and Individual Retirement Accounts (IRAs) that provide a

andard with all CB&T bank accounts.

Personal Checking

Anytime Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • Go paperless with eStatements, eNotices, and eTax Documents 5 Anytime Checking helps get banking done at your convenience with access to online banking, mobile app, and a network of branches and ATMs.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you make 10 Debit or Credit card 10,10a purchases or receive at least $250 in direct deposits 6d per statement month, otherwise $6. The fee is also waived for customers 25 years old and younger. 17

6

For additional applicable disclosures, please refer to pages 15 – 17

Features & Benefits • Open your account with a minimum deposit of $50 • Earn interest on the balance in your checking account 1, 13 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Go paperless with eStatements, eNotices, and eTax Documents 5 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • One (1) fee waiver per statement month for transactions at non-California Bank & Trust ATMs. ATM operator fees may be assessed. 12 Anytime Interest Checking Anytime Interest Checking gets you more with convenient online and mobile banking tools, 2 interest on balances, and other loyalty benefits.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000, otherwise $15. 6, 6a, 6b, 6c

For additional applicable disclosures, please refer to pages 15 – 17 7

Personal Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances 9, 13 • Three (3) fees waived per statement month for transactions at non-CB&T ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12 • No monthly maintenance fee for additional Savings or Money Market accounts linked to your relationship 8 • No fee for one (1) domestic wire transfer into your account each month • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any CB&T ATM 12 • No fee for CB&T Cashier’s Checks Premium Interest Checking The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a combined deposit balance of at least $10,000 or a combined deposit and personal loan balance of $25,000 or more, otherwise $25. 6, 6b, 6c

8

For additional applicable disclosures, please refer to pages 15 – 17

Senior Advantage Checking Designed specifically for those age 62 or older, this account provides the features, OnBudget Banking, and discounted fees our customers appreciate. Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 10 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®11 • Get cash when you need it with no charges at any CB&T ATM 12 • Use any ATM in the U.S. and California Bank & Trust will waive the first withdrawal fee at other banks’ ATMs each month 12 • Go paperless with eStatements, eNotices, and eTax Documents 5

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance 6, 6a of $500 or make at least $250 in ACH direct deposits 6d per statement month, otherwise $5.

For additional applicable disclosures, please refer to pages 15 – 17 9

Personal Checking

OnBudget Banking Account Designed for the budget-conscious consumers looking for a predictable, flat monthly service change with no overdraft fees and Senior Advantage Checking. Features & Benefits • Open your account with a minimum deposit of $25 • Spend knowing this account cannot go into overdraft status and that means there are no overdraft fees, insufficient funds fees, or sustained overdraft fees • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer • Make sending and receiving money faster and easy by using Zelle in our mobile app and online experience • Skip the branch and deposit checks through our mobile banking app • Shop anywhere Visa is accepted with your CB&T Debit card including support for Apple Pay ® / Google Pay™ / Samsung Pay ® • Get cash when you need it with no charges at any CB&T ATM • Access to free Cashier’s Checks when a paper check is needed • Go paperless with eStatements, eNotices, and eTax Documents • Call our U.S.-based customer service 7 days a week Fees Can the monthly fee be waived? No, this account charges a flat $5 a monthly maintenance fee that is not waivable.

10

For additional applicable disclosures, please refer to pages 15 – 17

Personal Savings

Savings Account Ideal for customers who want a traditional savings account with a low minimum balance requirement. Features & Benefits • Minimum opening deposit of $50 • Variable rate, compounded daily, 13 paid monthly • Get paid on every dollar you save with no minimum balance requirement to earn interest • Avoid a monthly maintenance fee when you keep at least $200 in balances • Establish optional transfers from a checking account to help build savings automatically • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 Withdrawals Transaction limits apply. Make up to six wi thdrawals and transfers each month without a withdrawal fee. 7 Fees Can the monthly fee be waived? Yes, by keeping a minimum daily balance 6, 6a of $200 or by making a qualifying credit 6e of at least $25 to the savings account before the last business day of the monthly billing cycle or by linking to a Premium Interest Checking account otherwise $5. 8

11

For additional applicable disclosures, please refer to pages 15 – 17

Personal Savings

Young Savers Account A savings account for account holders age 25 and younger 17 that has no monthly maintenance fee. Features & Benefits • Minimum opening deposit of $5 • Get paid on every dollar you save with no minimum balance requirement to earn interest • Variable rate, compounded daily, 13 paid monthly • Learn to save while enjoying no minimum balance requirements or monthly maintenance fees • Establish optional transfers from a checking account to help build savings automatically • Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 for qualifying account holders Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7

Fees Can the monthly fee be waived? There are no monthly maintenance fees for savers age 25 and younger.

12

For additional applicable disclosures, please refer to pages 15 – 17

Money Market Account Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances while having flexible access to their funds. Features & Benefits • Minimum opening deposit of $500 • Variable rate, compounded daily, 13 paid monthly • Earn a more competitive interest rate 13 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 ATM 12 • Write checks for extra flexibility in accessing your Money Market funds 7 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7

Fees Can the monthly fee be waived?

Yes, by keeping a minimum daily 6, 6a balance of $1,000, or by linking to a Premium Interest Checking account, 8 otherwise $12.

13

For additional applicable disclosures, please refer to pages 15 – 17

Personal Savings

Certificate of Deposit Use a Certificate of Deposit to maximize your savings for a fixed period of time. Features & Benefits: • Fixed interest rate, compounded daily 15 • Deposits are insured by the FDIC to at least $250,000 • Choose a flexible savings term between 28 days and 5 years 14 • Earn a competitive interest rate on money you don’t need to access right away • Save for retirement by opening an IRA Certificate of Deposit 16 • Use online banking and mobile banking to view balances through a mobile phone, tablet, or computer 2 Withdrawals: Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date. * Fees: Can the monthly fee be waived? There are no monthly maintenance fees for Certificates of Deposit. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 16 IRA Money Market Save for retirement with a product that gives you the flexibility to make additional deposits automatically or as needed. Features & Benefits: • Earn a Money Market interest rate while saving for retirement • Make additional deposits to your account at any time • Use online banking to manage finances on your time through a mobile phone, tablet, or computer 2 • Deposits are insured by the FDIC to at least $250,000 Withdrawals: Withdrawals 7 made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Please consult your tax adviser before making withdrawals from an IRA account. 16 Fees: Can the monthly fee be waived? There is no monthly maintenance fee with this account. There is an annual maintenance fee of $15 per plan holder.

For additional applicable disclosures, please refer to pages 15 – 17 * Early withdrawal penalty applies to withdrawal of funds before maturity, regardless of whether you are eligible to begin receiving plan disbursements. 14

Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Personal Banking Deposit Rate sheet, and the applicable schedule of fees, or speak with a banker for more details. 2. Online & Mobile Banking – Mobile banking is included at no cost from California Bank & Trust. Requires download of CB&T Mobile Banking app from the Apple ® App Store or Google Play ® App Store. Message and >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12-13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28

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