Checking Accounts

Analysis Checking

For Businesses with High Volumes of Transactions or Services

How Account Analysis Works: Account Analysis enables us to calculate an Earnings Credit that is used to offset all or part of your service charges each month. Unlike interest, an Earnings Credit does not accumulate from month to month; it only applies to the current month's charges.

How Your Earnings Credit Is Calculated: Your Investable Balance is multiplied by the earnings credit rate for the month, divided by 365, then multiplied by the number of days in the month. This equals your Earnings Credit.

The Investable Balance is your aggregate daily ending ledger balances (minus float, a reserve factor, compensating balances, and collateral) for the month, divided by the number of days in the month.

Float is the estimated time it takes for the bank to actually receive credit from the Federal Reserve or other clearing banks for checks you deposit. We assign a reserve charge of 10% on demand deposit account balances.

How You Are Charged For Services: Your Account Analysis statement itemizes the services for which you are charged. Your statement also shows your ledger balances and the amount of any Earnings Credit. If not enough collected funds were on deposit, the statement will tell you how much would have been needed to support the services you used.

Make It Work For You: With this comprehensive information, you will be able to use bank services more cost effectively and offset your monthly service charges. For further details on terms and charges, please ask for copies of our Account Analysis and deposit agreements.

By monitoring your average collected balance, you can cover your service charges while investing the balance of your funds in an interest-bearing account. Account Analysis lets you tailor the bank's services to meet your individual business needs.

With Account Analysis, you have an easy, convenient way to measure the investment value of the funds you leave on deposit each month. Plus you receive an easy-to-read monthly statement.

Let us show you how to save money and maximize your earnings. Ask any of our Financial Services Representatives for details about California Bank & Trust's Account Analysis today.

Attorney Client Trust

For California Attorneys who Receive and Disburse Client Funds

• $200 minimum opening deposit requirement
• California Bank & Trust is an approved depository of IOLTAs, and pays interest in accordance with the statutory requirements. All interest earned is remitted to the State Bar of California.

Business Plus Checking

Interest-Bearing Account for Sole Proprietors or Qualified Non-Profits

• $200 minimum opening deposit requirement
• Monthly maintenance fee: $12
• Maintenance fee waived if $3,500 minimum or $5,000 average collected balance maintained
• Fee covers 75 paid items, $0.30 debit items fee per check or debit over 75
• Fee covers 15 deposits. $1.50 credit items fee per deposit over 15, excluding ACH
• Fee covers 100 deposited items, $0.15 deposited items fee per item over 100
• Fee covers $5,000 deposited coin/currency per month, $0.10 currency deposited fee per $100 over $5,000
• Fee covers $5,000 purchased coin/currency per month, $0.10 currency purchased fee per $100 over $5,000