California Bank and Trust
California Bank and Trust
California Bank & Trust, commonly abbreviated as CB&T, is a California-focused banking division of Zions Bancorporation, National Association. It provides personal banking, commercial banking, small-business lending, corporate banking, real-estate finance, treasury management, private banking, wealth-management solutions, international banking, and digital financial services. CB&T describes itself as having served California families and businesses for more than 70 years and continues to operate with locally managed banking teams throughout the state.
The current California Bank & Trust brand was built through the combination and consolidation of several California banking organizations under Zions. A major structural change occurred at the end of 2015, when the former separately chartered California Bank & Trust legal bank was merged into Zions Bancorporation, N.A. CB&T now operates as one of Zions’ seven separately managed geographic banking divisions rather than as an independently chartered bank. That distinction is important because older records may still describe California Bank & Trust as a standalone institution.
CB&T is currently led by Eric Ellingsen, President and CEO. At December 31, 2025, Zions reported that California Bank & Trust operated 77 branches across California. During 2025, CB&T also expanded its Coachella Valley presence by acquiring four former FirstBank branches and associated deposits and loans. Zions Bancorporation as a whole reported approximately $89 billion in assets, more than one million customers, 407 branches, and 9,195 full-time-equivalent employees at the end of 2025.
California Bank & Trust identifies itself as headquartered in San Diego, California. The longstanding operational headquarters address associated with CB&T is
California Bank & Trust
11622 El Camino Real, Suite 200
San Diego, CA 92130
United States
Current corporate profiles continue to identify this as the primary San Diego location for California Bank & Trust. CB&T now legally operates as a division of Zions Bancorporation, N.A., so this should be viewed as the division headquarters rather than the headquarters of a separately chartered bank.
11622 El Camino Real, Suite 200
San Diego, CA 92130
CB&T also maintains major regional and commercial offices in Los Angeles, Orange County, Oakland, and other California markets.
California Bank & Trust does not publish one universal separate corporate mailing address for every customer issue.
Customers should use the mailing address printed on the applicable account, loan, deposit, dispute, or department correspondence.
Current Los Angeles commercial operations include offices in downtown Los Angeles, while Northern California banking teams operate from locations such as Oakland and Sacramento.These are regional business offices, not replacements for the San Diego headquarters.
Older regulatory records may describe California Bank & Trust as a standalone bank headquartered at 11622 El Camino Real. The bank charter itself became inactive at the end of 2015 after its merger into Zions Bancorporation, N.A. The California Bank & Trust brand remains active, but it now operates as a Zions division.
California Bank & Trust does not separately advertise a headquarters switchboard as prominently as its Customer Service line.
For general customer routing use
800-400-6080
800-400-6080
Monday to Saturday, 5:00 AM to 8:00 PM PT.
11622 El Camino Real, Suite 200, San Diego, CA 92130
11622 El Camino Real, Suite 200, San Diego, CA 92130
Treasury Management Client Services: tmclientservices@calbt.com
Suspected Phishing Email: abuse@zionsbancorp.com
CB&T does not publish one universal ordinary Customer Service email for confidential account matters.
Banking, Commercial Banking, Business Lending, Consumer Banking, Treasury Management, Private Banking and Wealth Services
The current California Bank & Trust franchise was assembled under Zions in the late 1990s, including the combination of Grossmont Bank and other California banking operations. The brand itself has predecessor roots extending more than 70 years.
CB&T does not publish a current standalone audited employee total.
Parent bank Zions Bancorporation reported 9,195 full-time-equivalent employees at December 31, 2025.
77 California branches as of December 31, 2025.
Corporate-office walk-in hours are not broadly published.
Customer Service hours are
Monday to Saturday, 5:00 AM to 8:00 PM PT
https://zionsbancorporation.com/investor-relations/
https://careers.calbanktrust.com/
CB&T offers personal checking accounts designed for everyday spending, direct deposit, debit-card access, online banking, mobile banking, and other routine financial transactions.Account features, minimum balances, fees, and benefits vary by product.
Personal savings options allow customers to earn interest and build funds for short-term and long-term goals. CB&T’s savings products are FDIC insured within applicable limits through Zions Bancorporation, N.A.
Money market products combine savings-oriented interest features with access options for customers maintaining qualifying balances.Current rates and requirements vary according to the account selected.
CB&T offers CDs for customers who want to deposit money for a defined term in exchange for a stated interest rate.Early-withdrawal penalties and minimum-deposit requirements can apply.
Checking customers can receive debit cards for purchases and ATM transactions.
Lost, stolen, damaged, or compromised cards should be reported promptly through Customer Service.
California Bank & Trust provides credit-card options for qualifying personal and business customers.Customers can manage cards through digital banking and may dispute eligible transactions online or through the Customer Care Center.
CB&T offers consumer lending products for qualifying borrowers.Terms, pricing, collateral requirements, and underwriting depend on the loan type and applicant profile.
Home-related financing can include mortgages and other residential lending products through Zions’ banking platform.Borrowers should contact a banker for current loan programs and eligibility.
Business checking products support operating accounts, payments, cash flow, deposits, payroll, and other routine business transactions.Different account structures are available depending on transaction volume and company size.
CB&T provides loans and lines of credit to small businesses.The bank also participates in SBA lending and has long emphasized small and middle-market business banking.
Commercial banking teams serve larger privately held and public companies with credit, deposits, treasury services, working-capital solutions, and relationship banking.
The bank provides real-estate financing for developers, investors, property owners, and operating businesses.
Loan structures depend on property type, borrower, market, and transaction.
CB&T offers treasury products for collections, payments, liquidity, fraud prevention, cash positioning, account reporting, and business financial operations.Dedicated Treasury Management Client Services can be reached at 888-316-6500.
Private Banking serves qualifying high-net-worth individuals, families, executives, and business owners with personalized banking, lending, liquidity, and relationship-management services.
Wealth-related services can include investment management, trust solutions, estate-planning support, and other financial services provided through the broader Zions organization and affiliated professionals.
Online and mobile banking allow customers to review balances, transfer funds, pay bills, manage cards, deposit checks, and access other account services.Digital Banking Support is available at 888-217-1265.
CB&T provides international banking capabilities to qualifying businesses, including foreign payments, international wire services, letters of credit, and trade-related banking.
The bank provides tools and education designed to reduce account takeover, payment fraud, impersonation scams, phishing, and business-email compromise.Suspected fraud should be reported immediately.
For general routing
800-400-6080
California Bank & Trust does not prominently publish a separate public headquarters switchboard.
Use Customer Service
800-400-6080
No separate verified public corporate-office line is currently promoted.
800-400-6080
800-400-6080
800-400-6080
888-217-1265
Monday to Saturday, 5:00 AM to 8:00 PM PT.
888-316-6500
tmclientservices@calbt.com.
800-400-6080
Customers should immediately call this number for suspected fraud or identity theft.
888-217-1265
Fraudulent emails can also be forwarded to
abuse@zionsbancorp.com.
No universal sales line is separately published.Prospective customers can call 800-400-6080 or contact a branch.
Not applicable as one universal category.Loan, card, account, or treasury payment questions should use the number shown on the applicable statement or agreement.
No single universal regional-office number.Regional banking offices use local contacts.
Individual branch numbers are available through the CB&T branch locator.
CB&T does not advertise one universal international consumer-support line.International customers and businesses should contact their banker or Treasury Management team.
No general corporate emergency number is published.Suspected account fraud should be reported through the published Customer Service or Digital Banking channels as quickly as possible.
Investor Relations is handled through parent Zions Bancorporation, N.A., not through a separate CB&T shareholder department.
CB&T media contacts vary by announcement.No permanent universal media line is prominently published on the consumer contact page.
No single applicant HR number is prominently published.
https://careers.calbanktrust.com/
Not applicable.
For most personal-banking questions, the best first number is 800-400-6080, available Monday through Saturday from 5:00 AM to 8:00 PM Pacific Time. Have your account information, transaction date, card details, loan number, branch location, or other relevant information ready. Avoid sending confidential financial details through ordinary email unless a bank representative specifically instructs you to use a secure channel.
For online and mobile banking problems, call 888-217-1265. Business clients dealing with treasury services can contact 888-316-6500 or tmclientservices@calbt.com. Suspected fraud should be reported immediately rather than waiting for normal branch follow-up. CB&T specifically directs customers experiencing fraud to call 800-400-6080.
If the matter involves a specific branch, commercial banker, loan officer, or relationship manager, contact that person directly before escalating to the central support team. Because California Bank & Trust operates with locally managed banking teams, branch and relationship managers often have the most direct access to transaction history and decision-makers.
Complaints may involve unauthorized transactions, deposits, loans, credit cards, account closures, fees, digital banking, customer service, fraud, lending, discrimination, or commercial banking. Before escalating, gather account statements, transaction dates, copies of correspondence, branch information, loan or card numbers where appropriate, and any prior complaint reference.
Call 800-400-6080 and explain the complaint clearly. Provide the relevant account or transaction information, dates, and the resolution requested. For unauthorized transactions or suspected fraud, contact the bank immediately because federal banking rules can impose important reporting deadlines.
Use the department responsible for the problem. Digital Banking issues can go to 888-217-1265, Treasury Management issues to 888-316-6500, and branch-specific matters to the branch manager or banker. Routing the complaint to the correct group can reduce delays and repeated explanations.
If the first representative cannot resolve the issue, ask for a supervisor, branch manager, relationship manager, or department manager. Explain what has already happened, provide any case number, and request a written explanation if the bank denies the requested correction or reimbursement.
Use California Bank & Trust’s official feedback/contact process for a written complaint that is not confidential or time-sensitive. For sensitive account issues, follow the secure communication method provided by the bank. Save copies of forms, messages, letters, and responses.
For a serious unresolved matter, send written correspondence to California Bank & Trust, 11622 El Camino Real, Suite 200, San Diego, CA 92130. Explain that the complaint concerns the California Bank & Trust division of Zions Bancorporation, N.A., and include relevant documentation without sending original records.
Transaction disputes may be initiated through digital banking, by calling Customer Service, or through the applicable card-dispute process. Fraud concerns should be reported immediately through 800-400-6080. For phishing or impersonation emails, CB&T also directs customers to abuse@zionsbancorp.com.
Because California Bank & Trust operates as a division of Zions Bancorporation, National Association, unresolved national-bank complaints can be submitted to the Office of the Comptroller of the Currency Customer Assistance Group. The OCC publishes 800-613-6743 and P.O. Box 53570, Houston, TX 77052 for customer complaints.
Depending on the complaint, customers may also consider the Consumer Financial Protection Bureau, California Department of Financial Protection and Innovation, payment-card dispute procedures, identity-theft reporting channels, or a state consumer-protection agency. The correct route depends on whether the issue involves credit, deposits, lending, privacy, fraud, or another financial product.
If the dispute remains unresolved, review the applicable deposit agreement, loan agreement, credit-card agreement, or other contract for arbitration, notice, or dispute-resolution provisions. For substantial financial losses, complex lending disputes, or legal claims, consulting qualified counsel may be appropriate before deadlines expire.
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