Business Checking and Savings Options Brochure 2022

Business Checking and Savings Options Brochure 2022

Business Checking & Savings Options

Big business or small business — these accounts are all business

Custom business solutions for every business need.

Whether you’re an on-the-go small-business owner or the chief financial officer of a corporation, you’ll find the right banking solutions at CB&T. From basic checking and savings with easy-to-use online and mobile banking tools to analyzed accounts with sophisticated Treasury Management Services, we offer solutions for businesses of all sizes. Take a look at our full suite of accounts. All of them include free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of professional bankers is supporting you.

Business Checking & Savings Options

Primary Business Checking Accounts Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Commercial Analyzed Account Specialty Business Checking Accounts Community Checking Attorney Client Checking Business Savings Accounts Business Savings

6 7 8 9

10

12 13

15 16 17 18

Business Money Market

Business Money Market Sweep Business CD/Business Jumbo CD

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

Bank where you want, when you want.

Each of our business checking accounts comes with these helpful tools to serve your business day or night, from virtually anywhere. Business Online Banking • View accounts, statements, and current-day transactions.

• Transfer funds between accounts. • Pay bills and set up future payments.

Business Online Banking Plus Get all the features of Direct Business Internet Banking, plus, transfer payroll and reimbursement funds to employee accounts. CBT Mobile Banking 2 • Supplement your Business Online Banking or Business Online Banking Plus features. • Access your accounts, pay your bills, and deposit checks from anywhere using your mobile phone or device. eDocuments • Enroll in eStatements, eNotices, and eTax Documents and opt out of paper. • View statements and notices online and in our mobile app.

2 For additional applicable disclosures, please refer to pages 19 – 21

Commercial Analyzed Account This account is designed for businesses that have the highest level of activity, have sophisticated reporting needs, or need Treasury Management services. With this account, fees will be charged for the services your business uses, and part, or all, of the charges can be offset by a monthly earnings credit. For additional information on the Commercial Analyzed Account, please see page 10 and refer to our Account Analysis product sheet.

3 For additional applicable disclosures, please refer to pages 19 – 21

Primary Business Checking Accounts

Business Inspire Checking

Business Growth Checking

Business Interest Checking

Business Connect Checking

Give your business an edge with access to our expert banking team and a variety of tools designed to help make your business more efficient.

Earn interest on business checking balances while enjoying generous transaction limits.

Keep your business moving with a checking account built to make your banking simple.

Keep your business growing with more generous monthly transaction 4 and cash deposit limits. 5

Overview

Interest Paid

N/A

N/A

N/A

Monthly Transaction Limit

50

250

250

400

Monthly Cash Deposit Limit

$3,000

$15,000

$15,000

$15,000

Opening Balance Requirement

$50

$50

$50

$50

ACCOUNT MANAGEMENT TOOL S

Business Online Banking or Business Online Banking Plus CBT Mobile Banking with Mobile Deposit

Visa ® Business Debit Card

eDocuments

FEE INFORMAT ION

Over-limit Fee (per transaction above limit)

$0.45

$0.45

$0.45

$0.45

Over Cash Fee (per $100 cash deposit above limit)

$0.20

$0.20

$0.20

$0.20

Monthly Maintenance Fee

$10

$15

$20

$25

Keep a combined business deposit balance 7b of $10,000, a business loan 14 /credit card 15 balance 7c of $50,000, or pay a minimum of $150 for other qualified banking services. 19

Keep a $1,000 minimum balance 7a or conduct $1,000 or more in transactions (debits or credits) each statement cycle. 8

Keep a $2500 minimum daily balance 7a or $10,000 in business loan 14 /credit card 15 balances. 7c

Keep a minimum daily balance of at least $3,500. 7a

Avoid the Monthly Maintenance Fee 7, 9

Monthly Paper Statement Fee

$3

$3

$3

$3

Avoid the Paper Statement Fee

Opt out of paper with eStatements

Opt out of paper with eStatements

Opt out of paper with eStatements

Opt out of paper with eStatements

ADDI T IONAL BENEFI TS

Additional Benefits

See page 6

See page 7

See page 8

See page 9

4 For additional applicable disclosures, please refer to pages 19 – 21

For additional applicable disclosures, please refer to pages 19 – 21

Specialty Business Checking Accounts

Business Savings Accounts

Community Checking

Attorney Client Checking

Business Savings

Business Money Market Business MMA Sweep

Overview

Overview

Manage the complexity of your nonprofit organization with an account designed for 501(c)(3), 501(c)(4) and 501(c)(6) charitable organizations dedicated to improving our community.

Earn interest on attorneys’ checking balances held in trust for multiple clients; interest is paid directly to the state association.

Ideal for businesses that want a traditional savings account with a low minimum balance requirement.

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

Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking.

Interest Paid

N/A

Interest Paid Opening Balance Requirement

Monthly Transaction Limit

350

Unlimited

$100

$1,000

N/A

Monthly Cash Deposit Limit

$15,000

Unlimited

Monthly Deposit Transaction Limit

50

50

N/A

Opening Balance Requirement

$50

$200

Monthly Cash Deposit Limit

$15,000

$15,000

N/A

ACCOUNT MANAGEMENT TOOL S

Top Balance Tier

$100,000

$250,000

$1,000,000

Business Online Banking or Business Online Banking Plus CBT Mobile Banking with Mobile Deposit

ACCOUNT MANAGEMENT TOOL S

Yes, without Bill Pay

Business Online Banking CBT Mobile Banking with Mobile Deposit

Yes, without Mobile Deposit

N/A

Visa ® Business Debit Card

N/A

Visa ® Business Debit Card

eDocuments

N/A

N/A

N/A

eDocuments

FEE INFORMAT ION

FEE INFORMAT ION

Over-limit Fee (per transaction above limit) Over Cash Fee (per $100 cash deposit above limit) Monthly Maintenance Fee

$0.45

N/A

Over Deposit Limit Fee (per item over limit)

$0.45

$0.45

N/A

$0.20

N/A

Over Cash Deposit Fee (per $100)

$0.20

$0.20

N/A

$10

$0

Monthly Maintenance Fee

$5

$10

$25

Keep a minimum daily balance 7a of $1,000 or a combined deposit balance 7b of $10,000, or pay a minimum of $150 for other qualified bank services. 19

Avoid the Monthly Maintenance Fee 7, 9

N/A

Keep a minimum daily balance of at least $500. 7a

Keep a minimum daily balance of at least $2,500. 7a

Avoid the Monthly Maintenance Fee 7, 9

N/A

Paper Statement Fee

$3

$3

$0

Monthly Paper Statement Fee

$3

$0

Opt out of paper with eStatements

Opt out of paper with eStatements

Avoid the Paper Statement Fee

Opt out of paper with eStatements

N/A

Avoid the Paper Statement Fee

N/A

ADDI T IONAL BENEFI TS

ADDI T IONAL BENEFI TS

Additional Benefits

See page 12

See page 13

Additional Benefits

See page 15

See page 16

See page 17

Note: For government, municipality, and public entities, ask about our Public Funds accounts specially designed for these organizations. 17

A Business Certificate of Deposit (CD) is an additional option, which provides a guaranteed fixed interest rate over a variety of term options. FDIC protection of up to $250,000 per account holder comes standard with all CB&T bank accounts.

5 For additional applicable disclosures, please refer to pages 19 – 21

For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Primary Business Checking Accounts

Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Commercial Analyzed Account

You will find descriptions of our business checking account options on the next several pages. Each one is designed to fit the needs of a different size or type of business, but all of them come with valuable features, a convenient branch network, and a team of professional business bankers. Please let us know if we can answer any questions about our accounts or help you decide which ones are right for your business.

6 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Business Inspire Checking

Features & Benefits • Open an account with a minimum deposit of $50 Keep your business moving with a checking account built to make your banking simple. • Conduct up to 50 transactions per month at no charge 4 • Deposit up to $3,000 in cash per month without a fee 5 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • 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 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6 Fees Can the monthly fee be waived? Yes, 7,9 enjoy no monthly maintenance fee by keeping a $1,000 minimum balance 7a or by conducting $1,000 or more in transactions (debits or credits) each month, otherwise $10. 8

7 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • Open an account with a minimum deposit of $50 Business Growth Checking Keep your business growing with more generous monthly transaction 4 and cash deposit limits. 5 • Conduct up to 250 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • 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 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6 • Access optional Treasury Management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee with a $2,500 minimum daily balance 7a or $10,000 in business loan 14 /credit card 15 balances, otherwise $15. 7c

8 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Business Interest Checking

Earn interest on business checking balances while enjoying generous transaction limits.

Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 250 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn interest on your checking account balance 1, 18 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • 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 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • No monthly maintenance fee for additional Savings and Money Market accounts linked to your relationship 12 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $3,500, otherwise $20. 7a

9 For additional applicable disclosures, please refer to pages 19 – 21

Business Connect Checking Give your business an edge with access to our expert banking team and a variety of tools designed for efficiency. Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 400 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Business Online Banking 11 • No monthly maintenance fee for additional Savings and Money Market accounts linked to your relationship 12 • Add an optional Business Money Market Sweep account 20 to help maximize your earnings • Access optional Treasury Management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a combined business deposit account balance 7b of $10,000, a business loan 14 /credit card 15 balance 7c of $50,000, or by paying a minimum amount of $150 for other qualified banking services during the month, otherwise $25. 19

10 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Features & Benefits • This account provides the flexibility to use many different Treasury Management solutions on an “as needed” basis • An itemized list of services is provided each month along with applicable service charges • An earnings credit is also calculated each month, and that credit can offset part, or all, of the account service charges • If service charges are not fully offset, the statement will indicate what account balance is required to avoid all charges Commercial Analyzed Account Effectively administer higher levels of banking activity and benefit from comprehensive Treasury Management solutions. Maintain a larger account balance and offset part, or all, of the service fees with an earnings credit.

For additional information on Account Analysis services, please refer to our Account Analysis product sheet.

11 For additional applicable disclosures, please refer to pages 19 – 21

Specialty Business Checking

Specialty Business Checking Accounts

Community Checking Attorney Client Checking

Learn more about our specialty checking account options on the next two pages. If you manage a nonprofit organization, take a look at our Community Checking account. If you are an attorney administering clients’ funds, our Attorney Client Checking is designed to help you manage those funds. If you have questions about either account, we’re here to help.

12 For additional applicable disclosures, please refer to pages 19 – 21

Specialty Business Checking

Community Checking Manage the complexity of your nonprofit organization with an account designed for 501(c)(3), 501(c)(4) and 501(c)(6) charitable organizations dedicated to improving our community. Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 350 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Business Online Banking 11 • Access optional Treasury Management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance 7a of $1,000 or a combined deposit balance 7b of $10,000, or by paying a minimum amount of $150 for other qualified banking services during the month, otherwise $10. 19

13 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • CB&T is an approved depository of IOLTAs • Interest earned on this account is remitted to the State Bar of California in accordance with statutory requirements • Attorneys must maintain a separate operating account with California Bank & Trust. The operating account will be charged service-related fees that cannot be assessed to the Attorney Client Checking account. Attorney Client Checking This account enables California attorneys to protect and conveniently deposit and distribute their clients’ trust funds while interest is paid to the California Bar Association.

14 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Savings Accounts

Business Savings Business Money Market Business CD/Business Jumbo CD

From business savings to money market accounts and certificates of deposit, each of these FDIC-insured, interest-bearing accounts is designed to help your business protect and grow its cash and savings.

15 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings Ideal for businesses that want a traditional savings account with a low minimum balance requirement. Features & Benefits • Open an account with a minimum deposit of $100 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium rates with a qualifying checking account 13 • Variable rate, compounded daily, 18 paid monthly • Deposit up to 50 items per month at no charge 10 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $500, otherwise $5. 7a

16 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Money Market Ideal for businesses that want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds. Features & Benefits • Open an account with a minimum deposit of $1,000 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium rates with a qualifying checking account 13 • Variable rate, compounded daily, 18 paid monthly • Deposit up to 50 items per month at no charge 10 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any CB&T ATM 24 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $2,500, otherwise $10. 7a

17 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • A primary business checking account (any type) is required to open a Business Money Market Sweep account 20 • Variable rate, compounded daily, 18 paid monthly • Conduct up to six transfers (sweeps) out of the account per month at no charge 10 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Fees Can the monthly fee be waived? There is no monthly fee waiver available with this account. Business Money Market Sweep Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking.

18 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Certificates of Deposit (CDs)

Features & Benefits • Open an account with a minimum deposit of $1,000 • Deposits are insured by the FDIC to at least $250,000 • Earn a competitive interest rate on money you don’t need to access right away • Fixed interest rate, compounded daily 22 • Choose a flexible savings term between 28 days and 5 years 21 • Use Online & Mobile Banking to view balances through a mobile phone, tablet or computer 2 • Call our U.S.-based customer service 7 days a week Use a Certificate of Deposit to maximize your savings for a fixed period of time. 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 is no monthly fee with this account.

19 For additional applicable disclosures, please refer to pages 19 – 21

Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Business Banking Deposit Rates sheet, and the applicable schedule of fees, or speak with a banker for more details. 2. Online & Mobile Banking – Mobile Banking requires download of the CBT 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 6-7 Page 8-9 Page 10 Page 11 Page 12 Page 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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