Business Details
Your Trusted California Banking Partner
California Bank & Trust has been a trusted financial partner for individuals and businesses throughout California for over a century. Our team of dedicated banking professionals offers personalized financial solutions, including checking and savings accounts, residential and commercial lending services, credit cards, and digital banking tools designed to meet clients' evolving needs. With a strong presence across Northern California, Southern California, and the San Diego region, we combine local expertise with nationwide banking capabilities to deliver tailored financial services.Our FDIC-insured accounts ensure security for deposits up to $250,000 while our innovative technologies enable convenient 24/7 account access through mobile banking and online platforms. We maintain strict compliance with federal regulations and industry standards, evidenced by our membership in the FDIC and adherence to Equal Housing Lender requirements. Our experienced bankers prioritize building long-term relationships through exceptional service and community engagement, supporting local initiatives through our Community Reinvestment Act commitments.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Credit Cards
Digital Banking
Personal Loans
Business Banking
Foreign Exchange
Wealth Management
Community Lending
Highlights and features
- We provide FDIC-insured accounts up to $250,000 for secure banking
- We offer 24/7 digital banking access through mobile and online platforms
- Our bankers deliver personalized financial solutions across California
- We maintain multiple branch locations for convenient in-person service
- We offer specialized accounts for military personnel and seniors
Associations and certifications
- FDIC
Services
Checking Accounts
Our checking accounts provide flexible financial solutions tailored to individual needs, supporting daily transactions, bill payments, and digital banking integration. We offer options like Anytime Checking, Gold Account, and Military Advantage Checking, each with unique benefits including fee-free ATMs, interest rate discounts, and overdraft protection. Committed to accessibility and convenience, our services empower customers to manage finances effectively while maintaining FDIC-insured security.
Savings Accounts
We offer diverse savings solutions including traditional savings accounts, money market accounts, and certificate of deposit products designed to help customers grow their money securely. With competitive interest rates, tiered benefits, and specialized youth accounts, our savings options accommodate varying financial goals while maintaining FDIC insurance up to $250,000. Our automated savings tools help clients develop consistent saving habits through digital banking platforms.
Mortgage Loans
Our mortgage lending services include fixed-rate, adjustable-rate, FHA, VA, construction, and jumbo loans to help clients achieve homeownership. We provide personalized loan counseling through experienced mortgage specialists and maintain transparent rate structures. Backed by decades of local market expertise, we guide first-time buyers and experienced homeowners through the loan selection and application process for properties across California.
Digital Banking
Our comprehensive digital banking platform enables account management, bill payment, fund transfers, and mobile check deposit through secure online and mobile applications. Available 24/7 with features like real-time alerts and Zelle person-to-person payments, these tools provide convenient financial control. We continuously enhance our digital solutions to incorporate the latest security protocols and user-friendly innovations.
Credit Cards
We offer a range of credit card options including cashback, rewards, secured cards, and premium products designed for different spending patterns and credit profiles. Our credit solutions feature competitive rates, fraud protection, and benefits like travel insurance and purchase protection. We provide personalized card selection assistance to help customers choose the most appropriate payment solution based on their financial habits and goals.
Questions
What types of checking accounts do you offer?
We offer multiple checking options including Anytime Checking, Gold Account, OnBudget Banking, Senior Advantage Checking, Military Advantage Checking, and specialized accounts with unique benefits.
Are my deposits insured at California Bank & Trust?
Yes, all deposit accounts at California Bank & Trust are FDIC insured up to $250,000 per depositor.
Do you have mobile banking options?
Yes, we provide comprehensive mobile banking apps for iOS and Android devices with features like mobile check deposit and Zelle® transfers.
What mortgage loan programs are available?
We offer fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, construction loans, and jumbo loans for home purchases and refinancing.
Can I access my accounts 24/7?
Yes, our online and mobile banking platforms provide 24/7 account access with real-time transaction capabilities.
Do you have locations across California?
Yes, we maintain branch locations throughout Northern California, Southern California, and the San Diego region.
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